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Personal Banking

Personal Banking


Welcome to SMB, the oldest independent, locally owned bank on the Emerald Coast and home for all of your personal financial needs.


Personal Checking 

Savings and Identity Protection for you and your family1Interest checking with free nationwide ATMs.

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Savings & Money Market Accounts

A high yield savings account exclusively for SMB Rewards Checking or IDeal Checking account customers!

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Certificates of Deposit & IRAs

SMB Certificates of Deposit are available in a variety of terms to meet your individual financial needs. 

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Personal Loans

SMB can help with all of your lending needs. Whether planning for a major purchase, consolidating debt, or paying for back to school expenses, SMB has the right loan for you.

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Rates & Terms

Check out SMB's Rates. 

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CD Special 

SMB is not offering any Certificate of Deposit specials at this time.  

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