The Southern Michigan Bank and Trust is a business credit card from Southern Michigan Bank and Trust. The annual fee is $29. The ongoing APR is Variable, typically around 12% - 18% after a 0% introductory rate. Rewards: Rewards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).