Personal Deposits

YOUR LIFE

Tell us your story

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

A message from our President and CEO, John Waldron.

Switch Today!

We offer personal accounts to suit all your needs. Switching your accounts and automatic transactions to Southern Michigan Bank & Trust just got even easier. See which accounts are right for you today!

TAKE THE ACCOUNT FINDER QUIZ

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!

Apply Today

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!

LEARN MORE ABOUT BAUER FINANCIAL

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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

harper creek story

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

turkeyville story

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

See more testimonials

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