ATM Cards
 A simple card that only allows you to perform ATM transactions.
 Debit Cards
 A card that allows you to make purchases online, over the phone, or in-person at retailers that debits the funds directly from your account. 
- Cards include a chip for added security and protection
 
Credit Cards
 Make purchases online, over the phone, or in-person and pay later. 
Gift Cards
 Give your employees the perfect gift...exactly what they want.
- Available at your local SMBT branch
 - Load any amount up to $1,000
 - Use anywhere Mastercard is accepted
 
PayCards
 Reloadable employee debit cards without the requirement of a bank account.
Employer Benefits of PayCards:
- Allows for all employees to receive their pay electronically (direct deposit)
 - Drastically reduces chance for payroll check fraud
 - Saves cost of creating payroll checks
 - Instantly issue to employees at time of hire
 
Employee Benefits of PayCards:
- Employees have the benefit of immediate access to funds
 - Free online banking, mobile banking, and 24 hour telephone banking
 - No chance of overdrafting funds
 - Ability to order secondary cards for family or spouse
 - No monthly maintenance fees
 - No geographical restrictions for card use
- Please still let us know if you will be traveling with your SMBT card
 
 - Access to over 30,000 nationwide ATMs
 
Merchant Services
 Payment solutions for businesses.
- Accept credit/debit card payments
 - Next-day funding
 - Local support
 
Message and data rates from your mobile carrier may apply. Enrollment criteria and restrictions may apply.
Contact us for more information today!

