Online Services




Checking

Click here for a comparison chart to help you find the checking account thatís right for you!

eChecking
High performing, interest bearing.

  • Balance to Open $50
  • No Monthly Maintenance Fee when using eStatements, Bill Pay/ACH and Debit Card Services**
  • Free Online Banking*
  • Free Bill Pay*
  • Free eStatements*
  • Free ATM/Debit Card
  • Free Mobile Banking*
  • Interest Bearing++
  • Unlimited Check Writing through Bill Pay
  • Perks for customers 50 years and up+

Regular Checking 
All the essentials.

  • Balance to Open $50
  • No Monthly Maintenance Fee with minimum average balance of $500, or when using direct deposit or SMB&T automatic loan ***
  • Free Online Banking*
  • Free Bill Pay*
  • Free eStatements*
  • Free ATM/Debit Card
  • Unlimited Check Writing
  • Perks for customers 50 years and up+

Check Reorders

If you would like to order personal checks online, click here.

Switch Kit

Ready to switch over to Southern Michigan Bank & Trust?  Transferring your accounts and automatic transactions to Southern Michigan Bank & Trust is a breeze. Our Easy Transfer Kit offers a single source for all of the forms you will need. 

Health Savings Accounts (HSA)

Click here for information on HSA accounts which allow you to pay for qualified medical expenses while earning interest++.

 

 

 

*      Fees from your mobile or data carrier may apply.

**     Monthly maintenance fee of $6 is reduced $2 for each of the following services used per statement cycle: eStatements, Bill Pay / ACH, and using debit card for 10 or more transactions.

***   Monthly maintenance fee waived when maintaining $500 avg. monthly balance, making at least 1 direct deposit, or making at least 1 automatic SMB&T loan payment per statement cycle.

+    Customers 50 years or older receive free personalized check reorders and monthly maintenance fees on checking account are waived.

++  Ask a New Account Representative for current interest rates.  Interest rates are subject to change.