Payment Options

 

Southern Offers Several Convenient Options to Pay Your Mortgage Loan 

1. AUTO PAY

Set up autopay from your SMBT checking or savings account and never worry about missing a loan payment.

2. ONLINE OR MOBILE BANKING

Make loan payments anytime with SMBT online or mobile banking. Set alerts for due dates and get e-Statements for faster access to your monthly statements.

3. IN-PERSON

Visit any one of our full service branches or drive-thru only locations to make your payment during normal business hours.

4. PERSONAL TELLER MACHINE (PTM)

Make loan payments at any of our convenient PTMs, with live local teller help available until 7 PM on weekdays and 12 PM on Saturdays.

5. ACH WITHDRAWAL

Set up an ACH (Automated Clearing House) withdrawal through any non-SMBT checking or savings account to ensure monthly on-time loan payments.

6. MAIL YOUR PAYMENT TO:

Southern Michigan Bank & Trust
PO Box 309, Coldwater, MI 49036
Include your return address and loan number in the memo line.