Online Services

Welcome to Southern

Welcome to Southern Michigan Bank & Trust.  Now that you have the right account, it's time to make it work for you!  The following tips, tricks, and instruction guides will give you quick access to some of the top ways you can customize and maximize your account.  If you need additional help, please stop by your local office, give us a call (800-379-7628), or send us a message to let us know how we can assist you.


Great Ways to Start

Go PINless - Activate your new debit card and immediately start qualifying for cash with our PINless promotions.  Just swipe your card and choose the “Credit” option to sign for your purchases.  Make 10 or more of these signature-based purchases per month and you can earn up to $30 the first 3 months after you activate your new card.**  And after that, you can qualify for our monthly $100 drawing.  There are 3 new winners each month!***

Go Stampless - Sign up for SMB&T Bill Pay today and enjoy savings on postage for years to come. 

Go Anywhere - Simplicity and convenience are yours 24/7, wherever you go in life, when you take advantage of all our complimentary* mobile and electronic services.  In fact, you can deposit checks any day, anytime, and anywhere with SMB&T Mobile Deposit.  It is a simple, fast, and secure way to deposit funds by capturing check images with a compatible device (iPhone and Android platforms). Apply today!+

Achieve Goals - Set your financial goals and reach them by pairing your checking with a savings, money market, or Christmas Club account.  And be sure to take advantage of our free* online financial management tool which can help you create financial goals, set up budgets, and gain an overview of your financial portfolio.  This tool is found within your Online Banking account.


How to Guides

Video tutorials
How to Enroll in Online Banking
How to Navigate When Signing Into eServices the First Time
How to Nickname Accounts in Online Banking
How to Sign-up for and View eStatements
How to Download Transaction History into Software Like Quicken  
How to do a Signature-Based Transaction with Your Debit Card 
How to Add Additional Recipients to Receive eStatements


Helpful Tips

ID Theft/Fraud Reporting
ATM/Debit Card Security Measures
Savings Tips
Article on Estate Planning
Student eSolutions 

Other Resources

Switch Kit - this is a great document to use if you have other accounts that you would like to bring to Southern.
Calculators - Over 50 calculators are available to you anytime through our Resources drop down menu.
Reorder Checks - When you are running low on paper checks, just click here.
Financial Literacy - Kids of all ages can benefit from lessons in financial management.  Help the children in your life take control of their money with these resources.
Applications & Forms - When you need to access loan applications or to let us know you've changed your mailing address, this is the page you'll want to visit.


*  Fees from your mobile or data carrier may apply.

** Promotion begins on the 1st of the month after you receive your Debit Card. Use your Debit Card with a signature-based transaction ten times a month in the first three months of having a Debit Card and Bank will deposit $10 per month into your account.  

*** The $100 winner each month will be randomly selected from all qualifying entries during that month. All SMB&T Debit Card customers completing ten signature-based transactions per month are automatically entered. Transactions that require a PIN or are set up as ongoing deductions do not qualify. The winners will be notified by the 15th of each month after the month of the qualifying transaction. Employees of SMB&T are not eligible. Chances for winning a prize are based upon the number of eligible entries received. To enter without purchase: send a 3”x5” postcard with your name, address, phone number, the name of your financial institution and their ABA number to “Sign For It” SMB&T promo, PO Box 309, Coldwater, MI 49036. Mail-in entries must be postmarked by end of month to be included in that drawing. Entrants may enter only by using one of the entry methods described in these rules. Entries that are mechanically reproduced, copied, illegible, incomplete, or inaccurate are void. Entries become the property of SMB&T and will not be acknowledged or returned. No purchase necessary to enter or win. This promotion is open only to legal residents of the fifty United States, 18 years of age and older as of January 1, 2014. Void where prohibited. Random drawings will be held on the 10th of the month following qualifying entries. Cash prize will be deposited into the account the Debit Card is issued on when applicable.

+ Subject to approval. Certain restrictions apply. See the Consumer Mobile Deposit Terms & Conditions for details. Fees from your mobile or data carrier may apply.