Online Services


Print this page

Jump to our savings page for more money management options.


Business Free Connection Checking 
For start-ups, home-based businesses, small corporations, organizations and clubs.

  • Balance to Open $50.00
  • No Monthly Maintenance Fee 
  • No Per Item Charge for the First 200 Items
    • $0.10 for each item thereafter

Business Connection Plus 
For sole proprietors and not-for-profit organizations with large balances and low to moderate checking activity.

  • Balance to Open $50.00
  • Interest Paid on Balance 3, 4
  • Item Fee of $0.10 per item

Business Checking 
A checking account tailored for commercial businesses.  Any individual operating a business, corporation, sole proprietor, partnership, estate, DBA’s (doing business as) and other profit organizations.

  • No Minimum Balance to Open
  • Account Maintenance Fee of $6.00 1
  • Deposits $0.17 each
  • Debits $0.22 each
  • Items Deposited from Other Banks - $0.06
  • Items Deposited from Southern Michigan Bank & Trust - $0.03 each
  • Service charge reduction available with Earnings Credit 3

Community Investment 
Simple, straightforward, and free for municipalities and non-profit organizations.

  • Balance to Open $50.00
  • No Minimum Balance Required
  • No Monthly Maintenance Fee1
  • Tiered Interest According to Balance 2, 4



 Business Savings 
An interest bearing account that keeps it simple.

  • Balance to Open $50.00
  • Minimum Balance $200.00 Required
  • Monthly Maintenance Fee of $3.00 If Below Minimum 1
  • Interest Paid Monthly Based on Tiered Rate 2, 4


Health Savings Accounts 
Give your employees the option to manage and defray their healthcare costs with Health Savings Accounts (HSAs) through Southern Michigan Bank & Trust.  Find out more by contacting your local branch for details.

  • Balance to Open $50.00
  • Interest Tiered Based on Account Balance 2
  • Unlimited Withdrawals for Qualified Medical Expenses
  • Free HSA Debit Card
  • Set-Up Fee $15.00

Other Business Accounts and Services

Additional business solutions from Southern could help give your company an edge!


Back to Top


1Special fees may apply to all accounts.   2Ask a New Account Representative for current interest rates.  Interest will accrue daily on the available balance if the balance meets the stated minimum requirement.  Interest is compounded monthly and paid monthly on the statement cycle date.  Interest rates are subject to change.   3  Earnings Credit is based on average balance and can help to offset service charges based on monthly activity.  4Government regulations limit availability of interest-bearing checking to certain categories of businesses.