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Click here to find your topic of interest: Credit Card Services, Cash Management / Direct Deposit, Remote Deposit Capture, Online Banking, Business Bill Pay, eStatements, Mobile Banking, Payroll Cards, Prepaid Cards, Gift Cards or Alerts.


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.


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 or online demo helpful.  This is a great way to get familiar with the interface and 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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Your account statement can be as close and convenient as your computer or laptop.  With eStatements you can access your account statements electronically as soon as your statement is available.  Itís faster than traditional paper delivery, more secure and even environmentally friendly!  Imagine no more paper statements to file away.  Store your statements electronically by saving the PDF document to your computer or storage device.

eStatements is offered free* to all account holders.  To sign up, log into your Online Banking account and go to the Settings menu.  If you would like additional assistance, you may find it helpful to view our detailed instructions for enrolling in and retrieving eStatements.

  With eStatements you can access important tax information sooner than with traditional paper delivery

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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

Phones with internet access can:

  • Access all the features listed above
  • Pay bills
  • Review balance information
  • Review recent transaction history
  • Transfer funds
  • Locate offices and ATMs
  • iOS and Android devices have a convenient app!
  • Deposit checks any day, anytime, and anywhere with SMB&T Mobile Deposit.  It is a simple, fast, and secure way to deposit funds by capturing check images with a compatible device (iPhone and Android platforms).  Apply today!**
  Apply for Mobile Deposit Today

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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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Gift Cards

So many reasons to give.  Even more ways to spend.

SMB&T gift cards are an excellent way to thank employees for a job well done, to reward staff for reaching specific sales goals, or to thank clients for their patronage through the year.  Itís a simple, tangible way to show people you appreciate their contribution to the success of your business.  Cards can be purchased from your local branch for $5 and can be loaded with any dollar amount up to $1000.  Recipients will appreciate receiving a card that isnít specific to a certain store, giving them the freedom to spend the funds worldwide Ė anywhere Master Card is accepted.

Giving the perfect gift just got easier!  If youíd like more information, contact your local branch.


  Give the gift that's always in style with Southern gift cards.

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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.  For more information, check out our online demo.  You will be able to view several of the available alerts by clicking "Options" in the gray bar across the top of the demo screen.

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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.