Online Services

Applications & Forms

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Thank you for your interest in Southern Michigan Bank & Trust.  For your convenience, the following applications are available for download.

Personal Banking

Switch Kit – Transferring your deposit account to Southern Michigan Bank & Trust is easy!
eStatement/eBill Authorization

Personal Loans

Home Equity Line of Credit (HELOC) Application

HELOC Application
HELOC Booklet
Fixed Rate Disclosure

Residential Loan Application 

Residential Loan Application
Adjustable Rate Mortgage Booklet

Equity Application

Equity Application
Adjustable Rate Mortgage Booklet

Other Personal Loan Applications

Signature Authorization
Consumer Loan Application - “Consumer loans” are specific to things like auto, boat, RV, motorcycle, snowmobiles, etc.

Business Loans

Business Loan Application
Personal Financial Statement




All loans subject to credit approval.