Personal Deposits

YOUR LIFE

Tell us your story

It is our mission to be a trusted partner working for the betterment of our communities. 

View Our PERSONAL CHECKING ACCOUNTS

Community Appreciation Days

Stop by your local branch!

We’re excited to host our upcoming Community Appreciation Days, an opportunity to celebrate our customers and the incredible people who make our communities thrive. Each of our branches will be hosting a special event filled with gratitude, fun, and local flavor.

Community Appreciation Days

 

 

Start your journey with Financially Fit - quizzes, courses, videos & more!


Check it out today!

SMBT Financially Fit is your go-to hub for financial literacy - featuring interactive quizzes, courses, videos, and blogs to help you grow smarter with money. 

Financially Fit


Open Close Online Mortgage Application
simple & secure ONLINE MORTGAGE APPLICATIONS
Southern's NEW Open-Close program provides an intuitive application process, offering secure document uploads and a customer portal with status updates!
PTM Video
Personal Teller Machines!

Skip the line and take control of your banking with our Personal Teller Machines (PTMs)! Available Monday to Friday from 9 AM to 7 PM, and Saturdays 9 AM to 12 PM. Easily make withdrawals, deposits, loan payments, and more – all at your convenience. Use a PTM today! 

We're proud to be rated five stars!
We're rated five stars with Bauer Financial!


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People happy to give reviews

TESTIMONIALS

See What Others Have to Say

Please check out some of our client testimonials below, to hear all of the great things they have to say about our services.

Harper Creek Community Schools

"I've been with the school district for about 35 years, and have gone through 3 or 4 banking changes. This is the one that has gone the smoothest, and I think has been the most positive for all of our employees." 

 - Carol Davis
Finance Director of HCCS

Cornwell's Turkeyville USA

"I would always recommend Southern Michigan to people because they believe in the dreams and thoughts of small town people." 

- Patti Cornwell
Owner

Yoder's Country Market

"It's fulfilling to serve this community. Now, we have a bank that believes the same thing we do." 

- Jon & Brenda Yoder
Owners 

Allen Edwin Homes

"Southern Michigan Bank & Trust values what we value.  They use common sense in lending.  Southern worked to make the relationship beneficial for both sides and have become a partner with us." 

- Mike McGivney
VP of Sales & Marketing



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CONTACT US

for more info

Have any questions, or need more information? Contact us today and one of our representatives will be happy to help you!