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Welcome to Southern

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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 SMB&T debit card and start enjoying the ability to perform PINless transactions.  Just swipe your card and choose the “Credit” option to sign for your purchases.  It's an easy way to get in, get out, and get moving when you are at the grocery store or pump.  Watch this quick video for a demo!

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


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.

*  Fees from your mobile or data carrier may apply.

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