Online Services

Guardian Alerts

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Login Credentials

Click here to login to your Guardian Alerts. 
When you login to your Guardian Alerts to either enroll, or change any settings, you will be asked for your:
  • Debit card number
  • Last 4 digits of SSN
  • Zip code


The text message format for Guardian Alerts will appear as below with minor variations depending on the type of alert presented:  "SMB&T Guardian Alert on card XXXX at Merchant Name/Location for $999.99 - Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."*  Alerts will be sent to your cell phone, or other SMS text messaging device, for enrolled cards. The number of alerts you receive will be based on card usage, however, you will not receive more than one alert per transaction.
If you need help regarding the use of Guardian Alerts or your account, you may reply to an Alert message with the word "HELP" or you may click on the "Service Usage Guide" on the website, or call (888) 868-8611.
Certain mobile carriers such as Sprint, Nextel, Boost, and Virgin require a subscription reminder message sent to cardholders enrolled in the smsGuardian program. The alert message will display as: "Reminder: You have subscribed to Guardian transaction alerts for Southern Michigan Bank & Trust.  Message and data rates may apply.  Reply HELP for help. Reply STOP to cancel."

Cancelling / Opting-Out of Guardian Alerts

You may discontinue the receipt of Alerts immediately by texting the word "STOP" in reply to a Guardian Alert, or by unsubscribing from this service entirely on the website as well.  Cardholders may also discontinue alerts by texting "STOP" to 27576.
*   Message and Data rates may apply