Drive-thru Only

COVID-19 Financial Assistance Programs


Southern Michigan Bank & Trust (SMB&T) has announced relief efforts for customers directly affected by COVID-19.

“Our thoughts are with those who are currently experiencing unexpected financial stress due to the recent pandemic,” said John Castle, Chairman and Chief Executive Officer. “We are here, and we are prepared to help our customers through this difficult time.”


The following are potential means of assistance:

  • Mortgage and Home Equity Loan Programs
    • Customers with a Freddie Mac loan serviced by SMB&T may request a 6 to 12 month forbearance.
    • Customers with loans held in SMB&T’s loan portfolio may request a 90-day payment deferment.
    • Customers seeking relief for a residential mortgage can contact our Retail Loan Servicing Department at (517) 279-5500 or (800) 379-7628 ext: 5731. We will work with customers on a case-by-case basis.
  • Consumer Loan Programs
    • Customers can request a 90-day deferment.
    • Customers seeking relief for a consumer loan can contact our Retail Loan Servicing Department at (517) 279-5500 or (800) 379-7628 ext: 5731. We will work with customers on a case-by-case basis.
  • Suspension of foreclosure sales and repossessions for the next 60 days
    • This foreclosure suspension does not apply to mortgages on properties that have been determined to be vacant, abandoned, or are already in process.
  • Government Stimulus Benefits
    • Stimulus checks will be dispersed based upon annual income and number of dependents under 17 years of age.
      • $1,200 per adult and $500 per child to individual filers earning less than $75,000 annually.
      • $2,400 per couple and $500 per child to joint filers earning less than $150,000 annually.
      • Lesser amounts will be provided to those individual filers earning more than $75,000 and less than $99,000, and those joint filers earning more than $150,000 and less than $198,000.
      • For more information about the stimulus program visit:

    • No action is needed to receive these benefits for those who qualify.
    • If you used a Southern bank account to direct deposit your tax refund from the IRS, you will likely receive your payment electronically in approximately 3-6 weeks.
    • If you do not have a direct deposit set up with the IRS, you will most likely receive a paper check. You can deposit that check at any one of our drive-thru locations, PTM/ATMs, or the SMB&T mobile app.
  • Regarding Commercial Loans, please contact our Commercial Lending Department for potential relief opportunities at  (517) 279-5500 or (800) 379-7628.

For any additional questions, please call our toll-free number.

Branchless Banking Services

Even though our lobbies are closed, we are proud to still be able to serve you. The chart below shows common banking transactions, and the different solutions we have to assist you. If you require an in-person meeting, please contact our customer service contact center at 1-800-379-7628.


branchless banking chart

Employee/Customer Safety


Over the past few weeks, Southern has adopted social distancing practices and other mitigation measures necessary to provide employees a work environment reducing safety and health hazards. These measures include, without limitation: restricting the number of employees present on premises to no more than is strictly necessary to perform the bank’s critical infrastructure functions; promoting remote work to the fullest extent possible; keeping individuals who are on premises at least six feet from one another to the maximum extent possible; increasing standards of facilities cleaning and disinfection to limit exposure to COVID-19; and any other social distancing practices and mitigation measures recommended by the Centers for Disease Control.