Privacy Policy

Southern Michigan Bank & Trust values your privacy.  Click here to view our privacy policy.

Community Reinvestment Act Notices

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the FDIC, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) a map showing the assessment area containing this branch, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at Southern Michigan Bank & Trust, 51 West Pearl Street, Coldwater, MI 49036. At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from Regional Manager, Division of Supervision and Consumer Protection (DSC), FDIC, 500 West Monroe Street, Suite 3600, Chicago, IL 60661. You may send written comments about our performance in helping to meet community credit needs to Kurt Miller, Southern Michigan Bank & Trust, 51 West Pearl Street, Coldwater, MI 49036 and the FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Southern Michigan Bancorp, Inc. a bank holding company. You may request from Applications Officer, Federal Reserve Bank of Chicago, 230 South LaSalle, Chicago, IL 60604 an announcement of applications covered by the CRA filed by bank holding companies.


Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. For data covering years 2017 and beyond, the HMDA data including ethnicity, race, sex, age and income will be available online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this website..


USA Patriot Act

In accordance with Section 326 of the USA Patriot Act signed October 26, 2001, Southern Michigan Bank & Trust is required to obtain a copy of the documents used in identifying our new account customers and in identifying signatory individuals added to an existing or new account. In some cases, identification will be requested for those individuals banking with the Bank prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the account, or the Bank is unable to form a reasonable belief that it knows the true identity of the existing customer. In all cases protection of our customer’s identity and confidentiality is Southern Michigan Bank & Trust pledge to you.


Weblinking Practices

Southern Michigan Bank & Trust (SMB&T) may provide access to information, products or services offered on websites that are owned or operated by other companies ("third party websites"). We provide this access through the use of hyperlinks that automatically move you from a SMB&T website to the third party site.

While we do our best to provide you with helpful, trustworthy resources, SMB&T cannot endorse, approve or guarantee information, products, services or recommendations provided at a third party website. Because we may not always know when information on a linked site changes, SMB&T is not responsible for the content or accuracy of any third party website. SMB&T shall not be responsible for any loss or damage of any sort resulting from the use of a link on its websites nor will it be liable for any failure of products or services advertised or provided on these linked sites.

SMB&T offers links to you on an "as is" basis. When you visit a third party website by using a link on a SMB&T site, you will no longer be protected by SMB&T’s privacy policy or security practices. The data collection, use and protection practices of the linked site may differ from the practices of SMB&T sites. You should familiarize yourself with the privacy policy and security practices of the linked website. Those are the policies and practices that will apply to your use of the linked website, NOT SMB&T's policies and practices.

Here are some tips to help you tell if you have left the SMB&T website:

  1. Instead of a SMB&T address, the URL of the linked website appears in the location box (or address field) of your web browser.
  2. The linked website is shown in a new browser window. The appearance of the linked site, including its colors and graphic design, is significantly different from the SMB&T site.
  3. The linked site or page does not appear in a new browser, but you find one or more of the following:
    1. The phrase "A SMB&T linked site" beneath the SMB&T logo.
    2. The logo of a different company in the upper right hand corner or other prominent location on the linked website, along with the words "Powered by", "Brought to you by", or "Provided by".
    3. The layout and content of the navigation tools on the left-hand side of the linked site or in the header at the top of the new webpage are different from SMB&T’s navigation.
    4. The first navigation link refers to a description of the company that sponsors the website. It may be titled "About (Third Party’s Name)".
    5. A third party’s privacy policy and terms of use statement are identified instead of SMB&T’s.
  4. Information in the footer at the bottom of the webpage contains information about a company other than SMB&T.
Terms & Conditions

These terms govern the use of this website. Please read them carefully before accessing the site. If you do not agree with these terms do not access the website or any of its pages. By accessing this site or any of its pages you agree to be bound by these terms of use.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this website.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new “Terms of Use” on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the state of Michigan.