Online Services


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Click to jump down to your topic of interest: General information, Online Banking, Online Banking Security, LoansTelephone Banking Services, Debit Cards, Checking Accounts, Cash Management, or Bill Pay.

General Information

Where are your banking centers located and what are your hours?
You will find a listing of our branch locations and hours on the locations page.

Which banking centers are open on Saturday?
You will find our branch locations and hours on the locations page.

What are the banking hours?
You will find our branch locations and hours on the locations page.

Are you hiring?
Please visit our Career Opportunities page for information about employment with our company.  Southern Michigan Bank & Trust is an Equal Opportunity Employer.

Are my deposits insured at Southern Michigan Bank & Trust?
Southern Michigan Bank & Trust is a member of the Federal Deposit Insurance Corporation (FDIC).  Click here to find out more about FDIC insured accounts.

What is Southern Michigan Bank & Trust’s routing and transit number?
Southern Michigan Bank & Trust
Coldwater, MI 49036
Transit/ABA # 072402283

What is the Bank's mailing address?
For general bank correspondence and loan payments, please use the following address:

Southern Michigan Bank & Trust
51 West Pearl Street
P.O. Box 309
Coldwater, MI 49036-0309

Could an identity thief get my Social Security number from items you mail to me?
We do not send Social Security numbers with any correspondence unless it is legally required.  We require that you give us written instructions authorizing certain transactions.  We reserve the right to compare your signature on these instructions to the one we obtained when you opened your account to verify its validity.

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Online Services

What is SMB&T’s Online Banking?
SMB&T’s Online Banking gives immediate access to account information 24 hours a day, 7 days a week, from the convenience of your home, office, or while traveling.  Online Banking is available to both retail customers and commercial customers.

What accounts can I view with SMB&T’s Online Banking?
You will have access to certificates of deposit (CDs), loans, Individual Retirement Accounts (IRAs), checking accounts, savings accounts and cash management services.

Can I transfer money from one account to another?
Yes, with SMB&T Online Banking you can transfer money between your eligible SMB&T checking, savings and money market accounts. You may also make payments to your SMB&T Bank loans from your checking, savings or money market accounts.

Can I schedule recurring or future-dated transfers?
Yes, click on the Transfer button, select the accounts you would like to transfer funds to and from, enter the amount, and set the transfer date and frequency.

Can I tell when a transfer has posted to my account?
Yes, click on the Transactions button and you will see the transfer post immediately.

On a normal business day, how late can I make a funds transfer?
All transfers requested before 9:00 pm (ET) will be processed that day.  Any transfers after that time will post the next business day.

Are there limits on the number of transfers I can make?
Yes, depending on the type of account you have.  Some accounts, such as checking accounts, have no limits on the number of transfers a client can make.  However, by federal regulation, savings accounts and Money Market accounts are allowed no more than six electronic transactions per month.

Can I stop or modify my request to transfer funds?
You may change any details of a transfer by editing the scheduled transfer or deleting the transfer and creating a new one.

How often is my account information updated?
Account activity is updated throughout the day.

What services are available with Online Banking?
You can perform the following services with Online Banking:

  • View account balances
  • Pay bills (one time or recurring)
  • View cleared checks, and current and previous statements
  • Review recent transactions
  • Transfer money between accounts in real-time
  • View and print bank statements
  • Set up email alerts
  • Place stop payments
  • Set budgets with Financial Management tools (see the tab in Online Banking called "My Finance")

Are there any fees for banking online?
Online Banking is FREE* for personal consumers, including unlimited online Bill Pay.  Commercial customers, please contact an eService Advisor to discuss the pricing options available to you.

When can I use Online Banking?
Online Banking and Online Bill Pay are available with Internet access 24 hours a day, seven days a week.  No special software is required, as long as you use an SSL-compliant Internet browser such as Microsoft Internet Explorer 8 or later.  It is also compatible with other web browsers such as Mozilla Firefox and Google Chrome.

When does my account information update on the Internet?
Balance information is available real-time online.  Transaction information is available real-time during the day, but may not be during overnight hours.

What if my Online Banking Password doesn't work?
Make sure you are keying in your password exactly as it was given to you, including case sensitivity.  If it still does not work, contact a Customer Service Representative during business hours for assistance in resetting your password.  Branch hours and locations are available at our locations directory.

Will my Online Banking Password expire?
Yes, at Southern we take your online security very seriously.  Every six months or 180 days you will be automatically prompted to change your password.  Passwords must be at least 8 total characters without exceeding 12.  Your password must also contain at least one letter, one number, and a special character.  Special characters allowed are:  + _ % @ ! $ & * ~.

I have a hard time remembering all my Passwords.  Do you have any suggestions on how to select and remember new Passwords?
If you have a hard time coming up with or remembering new passwords, here are a few suggestions:

  • When selecting a password, select one that you can remember but one that would not be easily guessed by others.
  • We do not recommend using common information like your zip code, address box number, dates of births, or social security numbers.  
  • Substitute numbers for letters within your password.
  • Change the special character each time you are asked to change your password.
  • Alternate the password formats – move your numbers and letters around.
  • Adjust the numbers within your password by adding a digit to them.
  • Remember, your password is confidential and should not be disclosed or shared with anyone!
  • You may change your password at any time.

What happens if I receive a message that my account has been disabled?
Please call a Customer Service Representative for assistance when your Online Banking is not accessible.

How many statements can I see online?
With Online Banking, you are able to access and print current transactions since your last statement.  When you enroll in eStatements, you will be able to view and print up to 18 months of statements.

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Online Banking Security

What should I do if I think someone has my access codes?
Contact a Customer Service Representative at any of our branch locations.

What happens if I don’t log off the system?
Online Banking has a 10 minute time-out feature.  If you are logged in and remain on the same page for 10 consecutive minutes without refreshing the browser, you will be asked to log in again to resume banking.  You will receive a warning at 9 minutes to let you know the session is about to expire.

What are verification questions, and why do I need them?
To obtain information on customer accounts, callers must answer verification questions.  These questions relate to the personal information we have obtained through our account relationships and are used to verify the identity of a person calling the bank.  If callers are unable to correctly answer these questions, we do not discuss any information about the account(s).  We may ask things such as the amount of a specific deposit or withdrawal on the account in question in order to verify the identity of a caller and their affiliation with the account prior to releasing information about the account.

What can I do to keep my information secure?
There are several things you can do to protect your Online Banking ID and password:

  • Do not use an obvious number or other accessible information for your Online Banking password 
  • Ensure no one is watching when you enter your Online Banking ID and password 
  • Try to memorize your Online Banking ID and password rather than writing them down
  • If you record your Online Banking ID and password, store the documents in a secure place
  • Do not share your Online Banking ID and password with others
  • Report any unusual activity immediately
  • Do not give your information to anyone requesting it over the phone unless you have initiated the call
  • Always log out of the system

Are there personal precautions I should take regarding Internet security?
Yes. The security of any system relies on more than just having the latest technology.  Your Online Banking ID and password are very important to the safety of your account information; do not share your password with anyone.  Also, be sure to exit the SMB&T site or close down your browser when you are through accessing your accounts.

Where and when can I use the system?
One of the advantages of banking with SMB&T is that you can access your bank information wherever you can access the Internet.  Some financial packages force you to keep your information on a single computer, and conduct your banking from that one computer.  With SMB&T, you can conduct banking transactions (pay bills, check your register, transfer funds) from any computer with Internet access, whether you are in a coffee shop in Ann Arbor, at the cottage in Traverse City, or sitting in your home.

What is 128-bit encryption?
There are basically two types of encryption: "High" and "Standard."  The difference between these types of encryption is the strength of cipher.  A "High" (128-bit) encryption is more powerful than a "Standard" (40 or 56-bit) encryption.  "High" or 128-bit encryption means there are possible keys that could fit into the locks that hold your account information, but only one that works for each time you bank online.  SMB&T uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.  Our Online Banking System does not support use of browsers with 40 or 56-bit encryption.

What if I forget my Online Banking ID and Password?
If you lose or forget your Online Banking ID or password, you may contact any of the branch locations for assistance, during regular banking hours.  After confirming your identity, we will be happy to assist you.

What are cookies?
Cookies are a secure way for us to keep track of your Online Banking session.  They are valid for one session only.  Each time you log on, you receive a new set of cookies.

How do I know if I have cookies enabled?

  • On the Tools menu in Internet Explorer, click "Internet Options"
  • Click the Privacy tab
  • Click the Advance button.
  • Place a checkmark in the box next to "Override Automatic Cookie Handling"
  • Click the radial button next to "Accept" under "First and Third-Party Cookies"
  • Place a checkmark in the box next to "Always Allow Session Cookies"
  • Click "Ok"
  • Click "Ok" again
  • Click "Yes" if Internet Explorer prompts you to save your settings

What else do I need to know about security?
Southern Michigan Bank & Trust Online Banking takes full advantage of the security provided by our web browser and your web server.  Your transactions are encrypted as they travel over the Internet.  In addition, your online account is protected by a password.  No one can access your account without knowing your password.

How do I know my web browser is in secure mode?
This is evident by the "https" that will appear in the URL as opposed to "http".  When browsing securely in Microsoft Explorer, the browser will display a locked padlock icon at the bottom of its open window.  When browsing insecurely, the padlock will NOT appear.

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Where do I send loan payments?
Send consumer loan, mortgage loan, and home equity loan payments to:

Southern Michigan Bank & Trust
51 West Pearl Street
P.O. Box 309
Coldwater, MI 49036-0309

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Telephone Banking Services

What is your Telephone Banking number?
Telephone Banking is available at 517-278-7474 or 800-600-2136.

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Debit Cards

What should I do if I have lost my ATM card or my MasterMoney™ debit card?
To report your ATM card or MasterMoney™ debit card lost or stolen during business hours, please contact any of our branches and speak with a Customer Service Representative.  After business hours, on holidays, or weekends, call 866-546-8273 to report the card lost or stolen.

Why does it sometimes appear that my MasterMoney™ Debit Card transactions are posting twice?
Merchants use telephone communications to approve transactions from your card.  They receive a pre-authorization and a permanent authorization, both of which appear on your account information.  You may also see a pre-authorization for $1.00.  When the amount charged to your account posts, the pre-authorization will be removed from the account.

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Checking Accounts

How do I check the balances in my bank accounts?
You can access your account balances 24 hours a day, every day of the year, via our Telephone Banking line at 800-600-2136.  Enrolled users of Online Banking also have access around the clock every day of the year.

How do I make deposits to my account?
You can make deposits in one of five ways: electronic direct deposit, ATM deposits and transfers, mail,  telephone transfers, or wire transfers.

When do I receive paper statements?
Checking account statements are issued monthly.  Savings account statements are issued quarterly, unless there is electronic activity, at which time a statement is then issued that month.

How do I know which number on my check is my account number?
The routing number and your account number are located at the bottom of your check, starting at the lower left-hand corner.  The routing number is composed of the first nine digits.  Note that there is a four digit number (it will be a six digit number if you are looking at business checks) that matches the number in the top right-hand corner of your checks.  This number is not part of either the routing number or account number.  This number represents the sequential number of the check and may come before or after the account number.

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Cash Management

What is SMB&T’s Online Cash Management?
SMB&T’s online cash management offers business customers all the benefits of Online Banking, plus additional options like wire transfers, ACH payment processing and dual control capabilities.  Now you can do your banking without leaving the office.  Save time and streamline the banking process with online transactions, electronic transfers, and other important financial tasks.

Are there fee(s) associated with SMB&T’s Online Cash Management?
Contact your local branch to discuss the pricing options available for you and your business (subject to credit approval).

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Bill Pay

What is Bill Pay?
Bill Pay is an online payment system that allows our customers to send an electronic or check remittance to any business or person within the United States.

How many days in advance should I schedule my payment?
You should allow time for your payments to process.  For a payment made by check, allow 5-7 business days.  For an electronic payment, allow 3 to 5 business days.

Who can I pay with Bill Pay?
You can pay anyone in the United States, including your next-door neighbor, the utility company, or away at child college.

When I pay a bill, when does the money come out of my account?
If the payee is in the Electronic Payee database, the funds come out of your account the day the payment is made.  If the payee is paid by check, the funds will come from your account the day the check clears the bank - just as if you'd written it from your checkbook.

Do I need to re-enter payee information each month?
Only if the payee information changes.  The payee information will remain in Online Banking until you delete it.  The only thing you will have to change each month is the amount you want to pay and the date you want the bill paid.

Can I set up recurring payments?
Yes.  Recurring payments are possible in the following frequencies:

  • Weekly
  • Bi-weekly
  • Semi-monthly
  • Monthly
  • Quarterly
  • Semi-annually
  • Annually

What happens if I have a scheduled payment that falls over a weekend or holiday?
When you setup a recurring payment it will ask you how to handle processing payments that fall on holidays and weekends.

Will the memo field that I fill out when setting up a payment be passed on to the merchant?
Yes.  The recipient of the check will see what you type into the memo section of the check.

What type of financial software can I download into?
You can use Financial Management software such as Intuit's Quicken® (.QFX), Intuit's ®QuickBooks (.IIF), Intuit's ®QuickBooks (.QBO), Spreadsheet (.CSV) or Word Processing (.TXT).

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* Fees from your mobile or data carrier may apply.