All SMB&T Personal Checking accounts include free* online/mobile banking, Bill Pay, ATM/Debit Card, Mobile deposit, alerts, and eStatements.
High performing, interest bearing.
- No Monthly Maintenance Fee when using eStatements, Bill Pay/ACH and Debit Card Services**
- Interest Bearing++
All the essentials.
- 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+
Health Savings Accounts (HSA)
Account to pay for qualified medical expenses while earning interest.
- Balance to Open $50
- No Minimum Balance
- Interest Calculated Daily Based and Credited Monthly***
- Interest Tiered Based on Account Balance
- Unlimited Withdrawals for Qualified Medical Expenses
- Monthly Statements
- Free Online Banking**
- Free HSA Debit Card
- Set-Up Fee $15
- Personalized Checks Available
- Ask your employer and/or insurance provider for withdrawal qualifications
Ready to switch over to Southern Michigan Bank & Trust? Transferring your accounts and automatic transactions to Southern Michigan Bank & Trust is a breeze. Our Switch Kit offers a single source for all of the forms you will need.
* 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.
*** Ask a New Account Representative for current interest rates. Interest rates are subject to change.