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 1
  • No Per Item Charge for the First 200 Items
  • $0.10 per Item Fee for Each Item over 200
  • Free ATM/Debit Card 2
  • Detailed Monthly Statements 4
  • Free Direct Deposit and Automatic Payments
  • Free Online Banking 2, 9, Bill Pay 3, 9 and Check Images 9

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 5, 8
  • Free Direct Deposit and Automatic Payments
  • Item Fee of $0.10 per item
  • Free ATM/Debit Card 2
  • Free Unlimited SMB&T ATM Access 6
  • Free Online Banking 2, 9, Bill Pay 3, 9, and Check Images 9
  • Monthly Statements

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
  • End of Month Statements
  • Check Images Returned With Statements 4
  • Account Maintenance Fee of $6.00 Per Account 1
  • Deposits $0.17 each
  • Items Paid Against the Account $0.22 each
  • Items Deposited from Other Banks - $0.06
  • Items Deposited from Southern Michigan Bank & Trust - $0.03 each
  • Reduced Service Charge With Larger Balance 1
  • Service Charge Earnings Credit 7
  • Unlimited SMB&T ATM Access 6
  • Free ATM/Debit Cards 2
  • Direct Deposit with Automatic Payments

Check Reorders

If you are running low, you may reorder business checks here.



 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 5, 8

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

  • Balance to Open $50.00
  • No Minimum Balance Required
  • No Monthly Maintenance Fee 1
  • Tiered Interest According to Balance 5, 8
  • Check Images Not Available
  • Free ATM/Debit Card 2
  • Personalized Checks Available
  • Free Online Banking 2, 9 and Bill Pay 3, 9
  • Cash Management and Remote Deposit Capture Available 2
  • Monthly Statements 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
  • No Minimum Balance
  • Interest Calculated Daily Based on Daily Collected Balances and Credited Monthly
  • Interest Tiered Based on Account Balance 5
  • Unlimited Withdrawals for Qualified Medical Expenses
  • Monthly Statements
  • Free Online Banking 2, 9
  • Free HSA Debit Card
  • Set-Up Fee $15.00
  • Personalized Checks at Cost

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.  2Upon qualification, some restrictions may apply.  3Electronic bill payments are processed through iPay Technologies.  4Check Safekeeping.  5Ask 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.  6You may be charged a terminal fee when using your SMB&T card at another bank’s ATM.  Earnings Credit is based on average balance and can help to offset service charges based on monthly activity.  8Government regulations limit availability of interest-bearing checking to certain categories of businesses. 9 Fees from your mobile or data carrier may apply.