Southern is excited to introduce Military Member Checking

 
Exclusive financial benefits designed for active-duty military members and veterans. Banking solutions built to support those who serve and have served. 
 
 
Military Member Checking

Your Benefits at a Glance

Waived checking account fees, lower rates on loans, and higher rates on savings.
 
Featured Account

Southern Rewards Checking

Everyday banking perks with an added benefit for qualifying military members.

Features
Perks
Checking
Do you have a cell phone or look for deals when you shop?
Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card, and eStatement.


Shop Local, Save Local with BaZing Savings
Local discounts and national retailer deals to save you money on shopping, dining, travel, and more. 


Cell Phone Protection 1,2
Receive up to $600 per claim ($1200 per year) if your cell phone is broken or stolen.


ID Theft Aid 1,2
Includes payment card fraud resolution, $2,500 in personal identity theft benefit identity monitoring*, and credit monitoring*.
 
Experian ID and Credit Monitoring
Includes credit monitoring and quarterly credit reports, credit score and score tracker, score stimulator, identity monitoring, and child cyber monitoring.


Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges, up to 4 times per year. 


$10,000 Travel and Accidental Death Coverage 2
Peace of mind for the unexpected.


Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.


Military Member Benefit
$7 monthly fee waived
 
 
1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.
2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
* Identity monitoring and credit monitoring require additional enrollment on BaZing.com 
** Proof of military service must be provided at the time of account opening.
  • More Ways We Support You

    More Military Member Benefits

    Additional benefits across lending, checking and savings products.
Mortgages
Up to $525 off closing costs for eligible first mortgage refinances, purchases and construction loans.
 
Consumer Loans
0.25% discount on eligible new secured loans, with an additional benefit for qualifying SMBT Checking auto-debit.
 
 
Money Markets & CDs
Receive an additional 0.25% above the posted rate on qualifying products, excluding promotional offers.
 
Health Savings Account
Setup fee waived plus an additional qualifying rate benefit.
Additional Military Member Benefits

Even More Ways to Save

Additional services and benefits available to qualifying military members.
Financial Guidance
Free Wealth Management Consultation*
 
Comprehensive Planning, Investment Management, Trust Administration, and more!*
Account Benefit
Checks
 
Free first order of basic checks. Free Cashier Checks. 
Secure Storage
Safe Deposit Box
 
Free small safe deposit box (3x5) where available. 50% off larger boxes.
*Products provided by Southern Michigan Bank & Trust’s Wealth Management department are not FDIC insured. They may lose value and there is no bank guarantee. 
**Proof of military service must be provided at the time of account opening.