Southern Michigan Bank & Trust Routing Number

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the Southern Michigan Bank & Trust routing number?

The Southern Michigan Bank & Trust routing number is 072402283. It is the primary ABA routing transit number registered to Southern Michigan Bank & Trust, headquartered in Coldwater, MI. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 8, 2026.

What is the Southern Michigan Bank & Trust wire routing number?

This page lists 072402283, the primary routing number registered to Southern Michigan Bank & Trust. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with Southern Michigan Bank & Trust before sending a wire.

Is ABA number 072402283 the routing number for Southern Michigan Bank & Trust?

Yes. ABA number 072402283 is the primary routing number registered to Southern Michigan Bank & Trust. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 072402283?

Routing number 072402283 belongs to Southern Michigan Bank & Trust, headquartered in Coldwater, MI. It is the bank's primary ABA routing number (FDIC certificate 5019).

Routing numbers of similar-size institutions in Michigan

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Century Bank and Trust: 072404883

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Frankenmuth Credit Union: 272480131

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Honor Credit Union dba Honor Investment Services: 272484852

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