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Table of ContentsMarketing Campaigns
Email Marketing
Business Development
Print Advertising
Social Media
Events
Public Relations
Awards & Recognition
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Does ChoiceOne Bank Offer… Yes No Low Rates Online Applications 24/7 Flexible Terms Grant Funds Available Construction Loans Rehab Loans FHA Loans MSHDA Loans Vacant Land Loans Rural Development Loans Portfolio Loans Lenders who work “banker hours” At ChoiceOne Bank, we’re committed to serving you with quick, friendly service to help you better serve your customers. With our experienced team of lenders, wide range of mortgage solutions and local decision makers, we’ll close your loans promptly and take care of you and your customer every step of the process. Contact Your Local Expert Annette Powell | Office 616.678.5395 | Email [email protected] NMLS: 533604 | Co. NMLS: 302123
Right from the start, Jumpstart helps you in three important ways:
Get your Jumpstart Pre-Approval today!
At ChoiceOne Bank, we’re committed to serving you with quick, friendly service to help you become a Serious Buyer. With our experienced team of lenders, underwriters and local decision makers, we’ll close your loans promptly and take care of you every step of the process. Information we need from you to begin:
Two Year History Your Address (Landlord Information if applicable) Name and Address of Employer(s)
Income Documents
Previous 30 Days Pay Stubs Copy of W-2s for Previous Two Years
Asset Statements
Last 2 Months Bank/Credit Union statements – all pages Last 2 Months / Last Quarter Statements for IRA, 401K,
Pension, Mutual Funds—All other assets If Self-Employed
Personal Tax Returns Past Two Years – All Schedules Corporate Tax Returns Past Two Years – All Schedules
If You Already Found a Home
Purchase Agreement Copy of Earnest Money Check Name of Homeowners Insurance Agent
No Application Fee Apply Online Quick turnaround
Your Local Expert
Annette Powell
616.678.5395 [email protected]
Local Office: 1423 W. Main St. Fremont, MI 49412
NMLS: 533604 Co. NMLS: 302123
1 | Let Your Realtor and The Seller Know You are a Serious Buyer
2 | Know The Extent of Your Buying Power
3 | Streamline Your Buying Process
Introducing the home buyer’s advantage.
your mortgage.APPLY NOW
Marketing CampaignMortgage | JumpstartRetail Handout, Billboard, Webpage Header, Realtor Handout, Lender Handout, Online Application
Marketing CampaignAuto Loans | Accelerate
Retail Handout, Retail Signage
With 1% Cash Back
for your Auto Loan today.
Accelerate your savings. Get 1% Cash Back when you switch your Auto Loan to ChoiceOne Bank. From January 4 to March 31, we will give you 1% cash back* when you refinance your auto loan from a dealer to ChoiceOne. We are committed to saving you time and money so you can ac-celerate your savings! Act now to save.
Apply Today | Ask us how! Call 24/7 888.775.6687 or Apply Online 24/7
*Subject to credit approval. The cash back will be paid to you as a money order or a deposit to your ChoiceOne account on the day of closing. The cash back
is paid based on 1% of the total loan amount not including any additional loan dollars toward ancillary products or additional cash out on the loan. Maximum
cash back amount is $500. Cash back amounts are subject to all applicable taxes and are the responsibility of the customer. Offer available for the refinancing of
non-ChoiceOne Bank auto loans only and ends March 31, 2016.
Member FDIC | Equal Housing Lender
With 1% Cash Back
for your Auto Loan today.
Easy Steps to Prepare and Apply for a Loan
Understand the type of loan that suits you. Community banks offer differently types of credit to match your unique needs and financial situation. They don’t just bundle everything together in one or two different types of loans. The type of loan that will suit you depends greatly on what you need the loan for, your credit score, and the payments you can afford.
Start by assessing your goals, budget and credit score. Then research the different types of loans that are available to suit your needs. Loan officers at ChoiceOne Bank can help you find a loan that fits your unique situation.
Understand what goes into a loan. The rate is the interest you will pay for the loan. A fixed-rate loan will have the same interest rate throughout its term. In a variable-rate loan, the interest rate will go up or down as market interest rates changes.
The rate will have an APR – which stands for Annual Percentage Rate. Many factors go into an APR depending on the type of loan. Typically, additional fees can be included in an APR. Most banks advertise the APR with the rate, but not all financial institutions are held to the same standards. So check all fees closely to make sure you are comparing properly.
The amount of time during which you will be repaying your loan is the term. Different types of loans vary in their terms. Car loans range from three to seven years, while home loans range from 10 to 30 years.
The rate and term determine the payment you will make each month, which is typically our customers’ first question: “What comes out of my pocket?” Know what you can afford and create a monthly budget so you can stick to it. You will appreciate this as you continue to make other financial decisions.
continue reading on next page
• Commercial Loan Checklist• Home Equity Checklist• Mortgage Checklist• New Business Account Checklist for Branch Managers
Prepare for application. Know the materials you need to have prepared. Every loan application will require the same basic information and documentation. Some types of loans will require additional information due to the unique rules, regulations, and requirements surrounding the loan process. See Appendix A for a quick checklist for Auto, RV, Consumer, Mortgage, and Business loan applications.
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Angela C. Anderson
From: ChoiceOne Bank [[email protected]]Sent: Wednesday, July 08, 2015 3:45 PMTo: Angela C. AndersonSubject: [Test Send]: Mortgage Drip Campaign
Easy Steps Closer5 Easy Steps to Prepare and Apply for a Loan
Read Now
It's exciting when the search is over, whether you've been
researching fuel-efficient cars, finding a dependable truck, or
discovering the right house. We want the loan or mortgage process
to be a hassle-free process to keep that excitement going. When
preparing or applying for a loan, follows these easy 5 steps found
in our article 5 Easy Steps to Prepare and Apply for a Loan. This
will help to organize everything needed to apply for that new house,
car or toy that you've been eyeing.
The ChoiceOne DifferenceBanking is simple. Right? Most people don't think so. As your local
community bank, we are committed to making your banking more
convenient so you have more free time.
For more information:
Share with a friend
Manage your Preferences
This email was sent to you by:
Common Loan Pitfalls to AvoidAt ChoiceOne Bank we look forward to partnering with you to make banking convenient and simple. This includes helping you prepare for and understand the loan process so you can avoid costly and potentially show-stopping mistakes. We want to help you avoid these common pitfalls in the loan application process.
Disregarding Your Credit ScoreThe loan application process is a horrible time to find surprises. Your credit score is what you bring to the table for a loan. It tells the lenders how likely you are to make payments on time and ultimately repay your loan. Review your credit score for accuracy before you begin the loan application process. Take time to understand your credit score and the ingredients that make up the credit score so you can proceed with confidence.
Ignoring the DetailsPurchasing a new car or home is exciting, but understanding your loan before you sign on the dotted line is important in preventing unexpected costs. Review the details thoroughly and create a list of questions you want to understand before you sign. Make sure the rate, term, closing fees and payment are what you expected and can afford. When you are talking with the ChoiceOne team, we’ll take the time to help you understand what you are buying and how we can help you fulfill your dream.
Not Getting PreapprovedPreapproval empowers you in the shopping process. It helps you feel comfortable with what you can afford and gives you time to understand all the costs involved before you sign on the dotted line. With a preapproved loan we discuss with you the rates based on your qualifications and inform you on the anticipated monthly payments. Understanding your loan before you walk into what most people would consider a high-pressure situation means you can focus more on getting to the bottom line.
Your local ChoiceOne branch can help you get preapproved so you can be empowered in the shopping process: knowing what fits your budget.
Limiting Your OptionsMany people don’t know what to ask for when it comes to finding the best loan for them. The amount of the loan, type of credit, what the loan will be used for and whether you have collateral will determine the best for you.
It’s important to know what you’re signing in your agreement. At ChoiceOne, we are here to help discuss the appropriate fit for your specific situation.
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Angela C. Anderson
From: ChoiceOne Bank [[email protected]]Sent: Friday, July 17, 2015 1:19 PMTo: Angela C. AndersonSubject: [Test Send]: Mortgage Drip Campaign - 4 Pitfalls
Common Loan Pitfalls to Avoid
Read Now
Mistakes are frustrating, especially when it deals with finances. In
some cases, it means starting over from scratch-and who has that
kind of time to waste? ChoiceOne is here to help smooth out the
application process for your first or next loan. We've put together
some tips to help you avoid some headaches by following our
guide 4 Common Loan Pitfalls to Avoid.
The ChoiceOne DifferenceBanking is simple. Right? Most people don't think so. As your local
community bank, we are committed to making your banking more
convenient so you have more free time.
For more information:
Share with a friend
Understanding Your Credit Score
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Payment HistoryThe largest contributor to a credit score your payment history. It is based on how often you pay your bills on time, over time. Late payments will decrease your score, however, numerous late payments in a row will significantly decrease your credit score. TIP: Setting up electronic payments and alerts help keep your payments on schedule and payment history positive.
Amounts Owed There are two different types of credits: loans and lines. Loans typically are set for a certain amount, such as an auto or mortgage. Lines are an amount offered to you that you can use over time, for example, a credit card or a home equity line of credit. The amount owed of a loan is the entire balance of the loan that you haven’t paid off for either a loan or a line. The larger amount you owe doesn’t necessary mean your credit score is increasing or decreasing. TIP: Managing the amount you owe is the most important factor.
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For many banks, your credit score has the final say. At ChoiceOne, we see you as a person, you talk with our people and we evaluate the best options for your personal situation. We understand what it takes to be successful in our community and we have a vested interest in keeping our communities strong. The credit score is part of what we consider when we are evaluating the opportunity though, so we want to make sure you are putting your best foot forward when applying with us.
Qualifying for a loan, line of credit or mortgage
doesn’t reflect a specific moment in time—it involves
commitment and discipline. Whether it’s a credit card,
car loan, or a mortgage, lenders want to know that you
are likely to repay your loan and make payments on
time. To determine if you are a good credit risk, lenders
examine your credit score whenever you apply for credit.
FICO Credit ScoreA FICO Credit Score is simply a numeric summary of
the information in your credit reports that represents
your potential credit risk in a measurable way. FICO
Credit Scores range from 300 to 850, with the average
being 680 – 700. The factors included are payment
history, amount owed, length of credit history, new
credit, and types of credit used. Each factor makes
up a percentage of the total score.
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Angela C. Anderson
From: ChoiceOne Bank [[email protected]]Sent: Friday, July 17, 2015 1:18 PMTo: Angela C. AndersonSubject: [Test Send]: Mortgage Drip Campaign - Understanding Credit Score
Understanding Your Credit ScoreBreaking Down Your Credit Score
Read Now
A credit score is one of the major factors that contribute to
the overall cost of a loan. In some cases, it can mean not
even getting a loan. Knowing what contributes to your
credit score can help identify where to look if your credit
score needs improving. Understanding Your Credit Score is a road map for helping you comprehend the
credit score basics and help you increase your score in
the future.
The ChoiceOne DifferenceBanking is simple. Right? Most people don't think so. As
your local community bank, we are committed to making
your banking more convenient so you have more free
time.
For more information:
Share with a friend
Manage your Preferences
Drip Email MarketingLoan EducationEmail with White Paper for loan education
Business DevelopmentDrip Prospect Program
Prospect Program, Introduction Letter, Follow Up Letter, Phone Script
Follow Up Letter Sent with business brochure and business card
www.choiceone.com 109 East Division Street, P.O. Box 186, Sparta, MI 49345 / tel 888.775.6687 / fax 616.887.7990
October 30, 2015 Customer Business Name Address Address Dear Customer Name, As your local community bank, our goal is to provide you with the technology you need to manage your daily operations efficiently, and the personal care you deserve to make your business decisions confidently. Here are some of the services available to save you time, money and hassle:
Commercial Loans Lines of Credit Deposit Accounts Cash Management Merchant Services
Retirement Plans Debit Cards Payroll Direct Deposit Business Mobile Online Banking
One of the greatest advantages we can offer you is our status as your locally owned and operated community bank. Because we are locally owned, we are able to put your financial needs above everything else we do. We are here to listen to you, get to know you personally, offer you flexible business solutions and focus on your financial success. Our strength is rooted in our experience and reputation as community bankers – supporting our local communities, families, farmers and businesses over time. You can depend on us to help you face your financial challenges and opportunities with ease, confidence and trust. When you choose a bank, it should be for the right reasons. Let us show you why ChoiceOne Bank is your local choice. We are committed to you, your business and your future. Please feel free to call on me at 616.678.5658 to discuss managing your daily business operations more efficiently and without all the hassle. Sincerely, Name VP Business Development Officer
First Letter Insert Business Card
www.choiceone.com 109 East Division Street, P.O. Box 186, Sparta, MI 49345 / tel 888.775.6687 / fax 616.887.7990
February 1, 2016 Customer Business Address Address ChoiceOne Bank | Your Local Community Bank Dear Customer Name, With over 100 years of serving our communities, ChoiceOne Bank has always made it our responsibility to connect with every customer that visits our branches, calls us about a business or personal loan, and logs onto our website to conduct their banking. Because we are the local community bank in Ravenna, we recognize and appreciate that community banking will always be a business driven by dedicated people. At ChoiceOne Bank, we operate with an entrepreneurial spirit and are encouraged to spend quality time with our customers – consulting, solving problems and building trust. This partnership is what builds relationships – the foundation of community banking. As you know, there is much consolidation in the banking industry today. Unlike the larger, out-of-state banks, deposits with ChoiceOne Bank remain in our communities. Our deposits are reinvested in loans to create new homes and businesses in our communities, like Ravenna. Our Board of Directors is made up of local business people well known to our communities with a commitment to growth and wellbeing. They make investment and loan decisions right here in our communities for our local families and businesses. Our goal is to offer the technological resources of large banks while maintaining the face-to-face relationships that characterize community banks to businesses just like yours. We are the local choice and are here to stay to serve all your financial needs. We are committed to your family, your business, your community, your future. I will call you next week to see if there is an opportunity for us to connect. Sincerely, Name VP Business Development Officer
Print AdvertisingBusiness Lending, Retail, Business Development, Mortgage Lending
Does your small business rely on responsiveness?ChoiceOne Bank’s small business lending team offers:
• Attentive business support teams• Express business loan options for loans up to $100,000 in 2 days• Commitment to supporting small business in our communities
As your home-town bank, we offer simple, yet flexible solutions so you can focus on growing your business.
small business
Troy Butler, IIIVP Grand Rapids Sales Executive
www.choiceone.com | 616.205.0328
big commitment to
simply local choiceChoiceOne Bank is about building great communities. When we help you buy your home, expand your business or support your local charity, our community grows too.
Main Location109 E. Division Ave. | Sparta, MI
616.887.7366 or 888.775.6687
We are your local choice. We are your community bank.
ChoiceOne Bank is about building great communities. Make us your local choice.
We are your local community bank
serving local municipalities
for over 115 years!
Your Local PublicFunds Expert
Kent G. Gagnon VP | Treasury Management 616.887.3298 | 616.706.6780 [email protected]
Sue PurcellFremont Branch Manager616.205.0329 office 616.260.2389 [email protected] #438885 Co. NMLS #302123
ChoiceOne Bank is about building great communities. When we help you buy your
home, expand your business or support your local charity, our community grows too.
We are your local choice. We are your
community bank.
your local choicemortgage | simply answered
Kevin KellingMortgage Loan Originator616.205.0319 | 616.446.1882Sparta LocationsNMLS #684299 Co. NMLS #302123
What affects mortgage rates?Over twenty different factors affect mortgage rates such as: market fluctuations, credit score, loan to value, property type, loan term and transaction type.
What is a Rural Development loan?A great loan program designed to help those with low to moderate incomes buy homes. The property must be located outside of large cities.
Local choice. Committed to you.
Social MediaSenior Scholarship Campaign
Channels Managed, Lobby Sign, Handout, Cover Image, Paid Ads, Posts
Corporate Facebook: ChoiceOne Bank Industry Twitter: @AngelaChoiceOne
Corporate Twitter: @ChoiceOneBank Corporate LinkedIn: ChoiceOne Bank
Event ManagementWine Tasting, Patio Party, Ribbon Cutting Invites & Emails
RSVP by April 12 to [email protected] | 616.887.9814
Suggested parking: Louis - Campau Parking Ramp located on Monroe north of Courtyard hotel
Join us to celebrate the Grand Opening of
our Grand Rapids Office with a ribbon cutting ceremony!
Wednesday, April 13 4:00pm ribbon cutting Followed by networking, hors d’oeuvres and beverages
ChoiceOne Fulton Office237 W. Fulton Ave. Grand Rapids
Join us for our 9th Annual Wine & Beer Tasting
Celebrate with ChoiceOne!Join us for a Party on the Patio with your local community bankers!
Wednesday, June 22 | 4:00 to 6:00 p.m.Networking, hors d’oeuvres and beverages
Waters Edge Golf Course | 1100 Ramshorn Dr., FremontPlease RSVP to Angela at 616.887.9814 or [email protected] by June 17.
Public RelationsRibbon Cutting, Donations
Contact: Kelly Potes President Phone: 616.887.6837
ChoiceOne Bank Remodels Cedar Springs Branch Office
Cedar Springs, MI (July 28, 2015) – ChoiceOne Bank officially announced the completion of its remodeled Cedar Springs branch office with a ribbon cutting ceremony on July 24.
“We are pleased to provide a more open and convenient layout for our customers,” said Kelly Potes, President of ChoiceOne Bank. “The new design is also consistent with the look of our other ChoiceOne branch offices in the communities we serve.”
The Cedar Springs branch now features a more visually appealing office that is consistent with other ChoiceOne Bank locations from Fremont to Rockford. The remodeled Cedar Springs facility offers greater convenience including a more open branch lobby area and a repaved parking lot.
The project was completed in a manner to ensure little disruption to business during the remodeling, and allowed the bank to maintain full operation throughout the process.
“As the local community bank, it’s important to have a strong and consistent presence in the communities we serve,” said Potes. “We are very pleased with these renovations and thank our customers for their patience during this remodeling project. We invite all to stop by for a visit. We improved our branch office so we can better serve the Cedar Springs community.”
Photo Caption: James Bosserd, Chief Executive Officer, cuts the ribbon to the newly remodeled Cedar Springs branch office joined by Denise Gates, Cedar Springs Branch Manager, Kelly Potes, President, and other ChoiceOne and key development officials. Left to right: Front row: Bonnie Koehn, Kelly Potes, Linda Anderson, Denise Gates, James Bosserd, Mary Johnson, John Fountain (Thompson Phelan Group), Louis Knooihuizen, Patricia Brown – Back row: William F. Cutler, Jr., Thomas Lampen About ChoiceOne Bank ChoiceOne Bank is a full service financial institution with offices in Kent, Ottawa, Muskegon and Newaygo Counties. Member FDIC. ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. is the holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank. The company is publicly traded and is available on the OTCBB under the symbol “COFS.” For more information on the bank, please visit ChoiceOne’s website at www.choiceone.com.
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Contact: Kelly Potes President Phone: 616.887.7990
ChoiceOne Bank Supports Habitat for Humanity of Kent County
Sparta, MI (April 12, 2016) – ChoiceOne Bank recently donated $15,000 to support Habitat for Humanity of Kent County and will donate another $15,000 in 2017. The donation this year is helping fund Habitat Kent’s Homebuyer Financial Education Program to provide financial education for qualified homebuyers in Kent County. The $15,000 in 2017 will help leverage a $2.5M community investment to build and preserve low-income housing for 120 homeowners through Habitat Kent’s Building Blocks strategy. “We are pleased to support Habitat for Humanity of Kent County,” said Kelly Potes, President of ChoiceOne Bank. “As the local community bank, we are honored to bring people together to build homes, communities and hope. This is the mission of Habitat Kent and it speaks to our mission as well. We look forward to a continuing partnership with this exceptional organization.” Habitat Kent’s homeownership program provides critical access to affordable homeownership and is designed to make it easier for low- to moderate-income borrowers to make the transition from renters to homeowners. In addition to a down payment and monthly mortgage payment, homeowners invest hundreds of hours of their own labor into building their home and the homes of others through Habitat Kent’s sweat equity agreement. Potes said this year’s donation from ChoiceOne Bank goes towards specific financial educational programs for homebuyers that are facilitated by Habitat Kent. “It is part of their requirement for sweat equity hours necessary to buy a home,” he said. Part of Habitat Kent’s Building Blocks strategy is to help make homeownership affordable with volunteer labor and donations. Instead of giving houses away, Habitat Kent empowers people to build and own their home alongside volunteers and pay an affordable mortgage. Photo Caption: BriAnne McKee, Habitat for Humanity of Kent County Executive Director, and the Habitat Kent team accepting check from ChoiceOne Bank President, Kelly Potes; CEO, Jim Bosserd; and Marketing Officer, Angela Anderson. About ChoiceOne Bank ChoiceOne Bank is a full service financial institution with offices in Kent, Ottawa, Muskegon and Newaygo Counties. Member FDIC. ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. is the holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank. The company is publicly traded and is available on the OTCBB under the symbol “COFS.” For more information on the bank, please visit ChoiceOne’s website at www.choiceone.com.
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Contact: Kelly Potes For Immediate Release President
Phone: 616.887.7990
ChoiceOne Bank Opens Grand Rapids Loan Center With Ribbon Cutting Ceremony and Donation to Cherry Health
Sparta, MI (April 15, 2016) – ChoiceOne Bank officially opened its Loan Center on Wednesday at 237 W. Fulton in downtown Grand Rapids with a ribbon cutting ceremony supported by the Grand Rapids Chamber of Commerce. Joined by Grand Rapids Mayor, Rosalynn Bliss, local clients and ChoiceOne Bank management, Kelly Potes, President of ChoiceOne Bank, presided over the ribbon cutting ceremony. “This is an exciting day for us as we expand our community bank franchise into the Grand Rapids market,” Potes said. “April is recognized as community banking month nationwide, so it’s very timely for us to celebrate.”
ChoiceOne will provide commercial loans and residential mortgages from this location, which is a central area for Grand Rapids businesses and easy access to local neighborhoods. Offering the latest technology in banking convenience, ChoiceOne provides online applications for loans and deposits, and the latest in mobile banking including check deposit from smart devices.”
“With nearly 120 years of serving the families and businesses in West Michigan, this is a natural progression for ChoiceOne Bank,” said Potes. “The banking industry continues to experience consolidations and Grand Rapids has certainly seen its fair share. As the local community bank, we believe the families and businesses in Grand Rapids prefer the personal relationships ChoiceOne builds with our customers and the local support we provide to the communities we serve.
Potes pointed to the positive response from Grand Rapids residents and businesses regarding ChoiceOne's Loan Center. “Our customers appreciate that we put their needs first, and that we actively support their communities.”
Cherry Health’s CEO, Chris Shea, joined the celebration to accept the second installment of ChoiceOne’s $50,000 donation to its Grand Rapids and Cedar Springs projects. Potes said, “Cherry Health provides services to all individuals, regardless of their ability to pay. As the local community bank, it is important for us to support our families and our communities.”
About ChoiceOne Bank ChoiceOne Bank is a full service financial institution with offices in Kent, Ottawa, Muskegon and Newaygo Counties. Member FDIC. ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. is the holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank. The company is publicly traded and is available on the OTCBB under the symbol “COFS.” For more information on the bank, please visit ChoiceOne’s website at www.choiceone.com.
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Awards & Recognition2015Independent Community Bankers Association | Top 10 Community Bank Marketing AwardMichigan Bankers Association Marketing Campaign Award | Local Choice Campaign
2014Michigan Bankers Association Marketing Award | Social Media
ContactAngela Anderson616.443.5415 [email protected]
