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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++

Regular Checking 
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

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 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.