Loans	Deposits
Business Term Loans SBA Loans Lines of Credit Real Estate Mortgages Business Charge Cards	Checking Accounts Savings & Money Market Certificate of Deposit CDARS Health Savings Accounts
Cash Management
Online Banking ACH Service Courier Service Loan Sweep	Merchant Services Lockbox Services Wires Positive Pay

Loans	Deposits
Home Mortgages Home Equity Loans Car & Truck Loans RV/Boat Loans Charge Cards	Checking Accounts Savings & Money Market Accounts Certificate of Deposit Individual Retirement Accounts CDARS Health Savings Accounts

Main Office
Location Lobby Hours	Contact Information ATM and Night Drop
Downtown Bay City Office	State Street Office
Location Lobby Hours Contact Information ATM and Night Drop	Location Lobby Hours Contact Information ATM and Night Drop