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The Convenience and Security of eServices

Running a business in todayís fast paced world can pull you in many directions. Thatís why we offer time and money saving solutions with electronic services.  More than just convenient, our eServices are an extremely secure way to accomplish everyday banking that helps make your business run.  At SMB&T, we use appropriate measures to make sure your eService experience is always safe and secure.

Click here to find your topic of interest: Credit Card ServicesCash Management / Direct DepositRemote Deposit CaptureOnline BankingBusiness Bill PayeStatementsMobile BankingPayroll CardsPrepaid CardsGift Cards or Alerts.

Credit Card Services

Would you like to accept major credit cards at your business as a method of payment?  We have access to competitive credit card services to give you fast collection and low prices on your credit card receipts.  Take advantage of credit and debit card growth by contacting our eServices Advisor today.

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Cash Management

Do you still pay your employees by paper check?  Save time and money by offering direct deposit options to your employees.  By using SMB&Tís Cash Management Services, you can electronically deposit your employees' payroll directly into their deposit account at any financial institution within the United States.

Do you want to offer automatic payment options to your business customers?  With Cash Management, you can electronically debit fees owed to you from your business customers' accounts at any financial institution within the United States.  Contact our eServices Advisor for additional information.

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Remote Deposit Capture

Is it difficult for you to make it to the bank to make your deposit?  With SMB&Tís Remote Deposit Capture, you can electronically submit your check deposits using software and equipment provided by SMB&T from the comfort of your business.  Remote Deposit Capture utilizes a desktop scanner that connects to your PC and the internet.  With it, you can scan checks received from customers and issue deposits electronically to the bank, anytime day or night.  Itís the fastest way to turn check deposits into cash while cutting courier costs and trips to the bank.  Contact our eServices Advisor for additional information.

To access your existing Remote Deposit Capture account, simply log into Online Banking through the menu in the upper left hand corner of your screen.

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Online Banking

Enjoy simple and secure access to your accounts anytime through Online Banking.  Your money is just a click away.  The Online Banking Services is available to our account holders free* of charge, including the Bill Payment feature allowing you to schedule online payments ensuring prompt and accurate payments month after month.  We even offer our commercial customers Bill Pay with their Southern Michigan Bank & Trust account.

With SMB&T Online Banking, you can navigate quickly between different tasks such as:

  • Checking your account balances in real time
  • Downloading eStatements
  • Viewing account history, along with copies of past checks and deposits
  • Transferring funds between accounts
  • Scheduling online bill payments
  • Adding personal or account reminders
  • Adding stop payments
  • Customizing your account preferences, including nicknaming your accounts
  • Accessing our online financial management tool which can help you create financial goals, set up budgets, and gain an overview of your financial portfolio

If you are ready to enroll now, you may find our online banking enrollment guide helpful.  This is a great way to discover all the ways you can make online banking work for you.

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Business Bill Pay

Designed with businesses in mind, SMB&T's Business Bill Pay offers all the capabilities of traditional Bill Pay (such as the ability to schedule payments, set repeating payments, and view payment history), but it also allows you to:

  • Make payroll deposits
  • Perform bank to bank transfers
  • Set reoccurring transfers
  • Assign security to employees who process functions
  • Create customized reports

Click here for a demonstration or if you are ready to sign up, contact us today.  To access your existing Business Bill Pay account, just log into Online Banking through the menu in the upper left hand corner of your screen.

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Mobile Banking

Mobile Banking provides all of the great features of Online Banking, but delivers it in the palm of your hand.  Itís perfect for todayís constant on-the-go lifestyle.  Regardless what model of cell phone you have, SMB&T Mobile Banking has a solution for you.

Phones with text-only capabilities can:

  • Get a text message of your current balance
  • Get recent transaction history
  • Find branch locations
  • Find ATM locations

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Payroll Cards

SMB&T PayCards provide a way for your employees to accept wages electronically without a regular deposit account. By offering SMB&T PayCards, you can:

  • Reduce your payroll costs
  • Increase your office efficiency
  • Decrease your fraud potential
  • Integrate the cards seamlessly into your current payroll processes
  • Offer instant issuance of cards

If you'd like more information, contact your local branch for more information or watch a video on how SMB&T PayCards can benefit you and your staff.

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Prepaid Cards

SMB&T Prepaid Cards are perfect anytime you want the option to reload funds onto a card in the future.  This makes them a versatile tool for employers, allowing them to provide employees with funds for business trips (domestic and international) or preauthorized spending throughout the year.  Use of prepaid cards allows employers to relax, knowing there is no chance of accidental overdrafts and they have the opportunity to track expenditures online.

The SMB&T Prepaid Cards provide benefits such as:

  • Immediate access to funds
  • Ability to use the card anywhere Debit Mastercard is accepted
  • Accepted internationally for traveling employees
  • ATM Access
  • Mastercard Zero Liability Protection*
  • Ability to get additional cards traveling/multiple employees
  • No minimum balance requirements
  • No chance of overdraft
  • No interest on purchases (unlike corporate credit cards)
  • Easy process to reload funds to the card at local SMB&T branches

If youíd like more information, contact your local branch.

* Some limitations may apply. 

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With a few simple steps, you can stay informed about important activity in your deposit account(s) with free* alerts.  These notifications can be delivered to your email inbox or to your cell phone through text messages.  You simply need to be a current Online Banking user to get started. 

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* Fees from your mobile or data carrier may apply.

**  Subject to approval. Certain restrictions apply.  See the Consumer Mobile Deposit Terms & Conditions for details.  Fees from your mobile or data carrier may apply.