Our final Intern Spotlight features 13 dynamic, motivated and determined students that we had the pleasure of working with this summer.  Read their stories as they share their passion, interests and lessons they’ve learned this summer at Mercantile Bank.

Jasmine Palmer

Jasmine is a junior at Winthrop University majoring in Finance. Her position as a Loan Operations Intern has encouraged her come out of her shell, and step out of her comfort zone.  Meeting her new team members helped her gain confidence and she has enjoyed learning from people who have been in her position in the past. A fun fact about Jasmine is that she was born on a military base.

Liam Perdue           

Liam attends Arizona State University. As a Commercial Loan Operations Intern this summer, he gained valuable real-world experience by working cohesively with his support team.   He learned the importance of working effectively and efficiently on time sensitive reports.  He also gained a new perspective on evaluating situations in a banking environment. A fun fact about Liam is that he can run a mile in 5 Minutes and 3 second—now that’s fast!

Christina Raeff

Christina is a junior at Western Michigan University working on a degree in Human Resources Management. She joined Mercantile as a Commercial Loan Operations intern.  During her internship she was able to gain valuable knowledge on how technology plays a role in banking.  She also enjoyed taking part in the Grand Opening of our new Portage office.  Christina is also an accomplished musician, she had the opportunity to play flute in concert band for 6 years!

Anna Roodbergen           

Anna is a recent graduate from Kalamazoo College with a degree the Mathematics and Computer Science. During her time as an Audit department intern she learned how the branches interact with many different departments to run more efficiently.  She appreciated how everyone was so willing to help answer questions and solve problems whenever possible.  Anna had the opportunity to study abroad at the University of Aberdeen in Scotland for four months.

Nikki Schroeder

Nikki is a junior at Grand Valley State University studying Advertising, Public Relations and Marketing.  She spent this summer as an intern in the Card Services department.  In addition to learning all the ways that Mercantile can help their customers with great products, she was able to use her classroom studies when she participated in a Marketing project.  Nikki is looking forward to finishing her degree and the opportunity to indulge her love of animals but adopting a pug in the future!

Sydney Sheehan                                                      

Sydney is a sophomore at Central Michigan University studying Social Work.  She spent her summer as an intern in the Mortgage Loan Processing department, where she was known as “Syd the Kid”.  Sydney was able to jump in and really help the team from day one.  She enjoyed the opportunity to learn all that goes into getting a mortgage. She hopes that her intern experiences will help her in the future when she looks to purchase a home of her own.

Elizabeth Sheil

Elizabeth is a junior studying Human Resources and Finance at Grand Valley State University.  She was able to apply her classroom studies to her summer internship as she worked with the Human Resources team.  Elizabeth played a valuable role in the department by helping to maintain employee files, communicating with new hire candidates and creating orientation packets.  She feels this internship has provided her with a great foundation to excel in her future career path.  As an avid runner, she has a goal of running a marathon before graduating from college!

Darryl Shongedza                                          

Darryl is a recent graduate of Grand Valley State University with his degree in Finance.  This summer he had the opportunity to work as an intern with the Mortgage team.  Not only did he learn about some of the processes associated with mortgages, he also gained insight on the overall operations of the banking industry.  His supervisors encouraged him to work hard each day and that in-turn gave him the motivation to learn more and appreciate his team.  Darryl is a self-described astronomy geek, and a great dancer!

Gabriel Smith

Gabriel is a sophomore attending Kennesaw State University studying Political Science.  His summer internship with the Property Management department provided Gabriel with insight on many different aspects of the Bank. He had the opportunity to work on a property tax project for his team and spent time gathering data and doing research.   One of the most valuable insights has been the importance of time management and balancing work and personal time.  Gabriel is also interested in designing furniture in the future.

Victor Sosa                                                       

Victor is a senior attending Alma College studying Business Administration.  As an intern in the Marketing department this summer, Victor learned about many functions of the bank.  Through his involvement in an intern organized community project, he had the opportunity to realize the importance a community bank plays in the community around it. He enjoyed working on projects such as writing blog posts, and organizing large mailing projects.  Victor enjoys learning to play guitar and hopes to improve his skills in the future.

Sanchay Thamman

Sanchay is a freshmen studying Finance and Computer Science at Grand Valley State University.  Sanchay had the opportunity to work in the Deposit Operations department this summer.  During this internship program he learned a lot about all the different operations that go on inside the bank.   He really enjoyed the chance to work in a professional setting which is a bit of a change from his previous retail job experience.  Sanchay also enjoys playing tennis at GVSU.

George Wanty              

George is a senior at the University of Utah studying Finance and Spanish.  “Jeep” as he’s known as to his friends, worked as a Mortgage Clerk intern this summer.   Helping the disclosure department to run smoothly by working on e-signed disclosures, creating disclosure reports, and working with mortgage applications gave him the opportunity to have a deeper understanding of how the mortgage process works right through to the closing.  Through this internship, he feels confident that this is an industry he could definitely pursue after graduation.

Joseph Wenzel

Joseph attends Grand Valley State University and worked this summer as a Commercial Loan Operations intern.  He assisted the department in becoming more digital by uploading and organizing files to our online database.  One important thing he learned from this experience is the importance of taking care of personal finance. With good personal finance, working with the bank becomes much easier.  Joseph is also one of few people who can say that he’s hit a hole-in-one on the golf course!

It was a great summer with all of our interns.  All of us at Mercantile Bank wish you all great success with your future plans! Have a great year!

 

Written By Victor Sosa | Marketing Intern

We bring you another installment of the Intern Spotlight! This week we have 8 featured interns who have different backgrounds and life experiences, but are all developing real-world job experience and skills to help them succeed in the future.

Brooke Harper:

Brooke Harper is a sophomore at Grand Valley State University majoring in Marketing and minoring in Studio Art. She is a Branch Support Intern and her most memorable moment at Mercantile was when she took a trip to City Hall where all interns learned about the LEAD program. She believes the LEAD program is an awesome way to prepare young students for college and the workforce. As a teller last summer she had some experience with transactional-banking processes. She now understands how much more goes on within a bank. A fun fact about Brooke is that she high jumped on her high school’s track and field team for about 6 years. Now that’s commitment!

K’Mari Johnson:

K’Mari Johnson is a junior and majoring in Finance. He is a Commercial Loan Operations Intern. One of his biggest take aways from this internship is the importance of setting a good example for those around him, because you never know when someone is watching. He has learned the importance of having connections in a business setting and the importance of customer service as a whole. In his spare time, he enjoys spending time with his friends and family.

Abigail Kane:

Abigail is a senior at Grand Valley State University majoring in Management of Information Systems (MIS). She is a Deposits Operations Intern and hopes this work experience will allow her to gain a better understanding of her MIS degree. She also learned that it’s never a bad idea to ask for more information or to ask a supervisor for advice. A fun fact about Abigail is that she is a third degree black belt in Karate.

Jalin Long:

Jalin is a sophomore at Western Michigan University double majoring in Accounting & Entrepreneurship and minoring in Finance. He is a Commercial Loan Operations Intern and his most memorable moment as an intern is when he wore the Earnie the Otter mascot suit at the Grand Opening of the new Portage location. Jalin owns his own clothing line for Men and Women called Power Moves Only LLC. Check it out!

Justin Manns:

Justin is a freshman at Loyola University majoring in Finance and minoring in Sociology. He is a Commercial Loans Intern and one of the biggest take aways from this experience is that he’s improved his time management skills. He better understands the importance of being responsible with your time and with all of his tasks he’s been forced to use his time effectively. Justin grew up in Oakland, California and he hopes to go back one day and help out the community.

 Samuel Moffett:

Samuel is a senior at Grand Valley State University double majoring in Finance and Accounting. He is a Commercial Loans Intern and one of the things he has learned is there are many steps involved in creating the best possible customer experience. He believes this experience will be a great reference when he is looking to secure a job post-graduation. A fun fact about Samuel is that he is a Michigan Football fan and a Michigan State Basketball fan. Go Green? Or Blue?

Devin Moore:

Devin Moore is a junior at Yale University majoring in Environmental Studies. He is a Branch Support Intern. He has had a major impact in his department by being one of 3 interns who helped work a yard sale that got extra supplies to other branches. He believes Mercantile will be a great resume builder and great experience for his future employment. A fun fact about Devin is that his favorite ice cream flavor is blue moon.

Makenna Ott:

Makenna is a senior at Hillsdale College majoring in Financial Management. She is a Commercial Loans Intern. Her most memorable moment as an intern was attending the lunch and learn on bitcoin. She found the presentation to be fascinating and it sparked some interest and ongoing conversation in her office. Attending meetings with Treasury Sales Officers really provided her with a lot of knowledge about banking in general. A fun fact about Makenna is that she has two dogs and enjoys traveling!

 

Stay tuned for the next installment of our Intern Spotlight!

Written by Victor Sosa | Marketing Intern

Welcome back to our intern spotlight.  Interns are in full swing with their work, projects, and volunteering. Let’s meet a few more!

 

Maria Acosta is a sophomore at Western Michigan University and is majoring in Accounting. She is a Card Services Intern and her most memorable moment was at the Steve Smith Golf Outing where she connected with a lot of people and created wonderful memories with her colleagues. A fun fact about Maria is she wants to explore more countries in Europe and wants to travel the world.

 


Allison Fike is a junior at Loyola University majoring in Accounting and Minoring in Finance. She is an Accounting Intern. She has learned how a bank’s day to day operations impact businesses and each branch. This knowledge will help her bring a different perspective to any future employment. She enjoys running in her spare time and is currently training to run the Chicago Marathon in October.

Brandon Fuller is a junior at Hope College double majoring in Economics and Mathematics. As a Mortgage Clerk Intern he’s learned a great deal about the mortgage process and specific products Mercantile offers. His biggest take away is realizing that the banking world is more lively and energetic than he envisioned, he didn’t realize the creativity and strategic thinking involved. For Brandon a guilty pleasure meal consists of a nice cup of green beans with a strawberry mango cooler from Culver’s.

 

Corey Gilmer is a senior at Grand Valley State University majoring in Finance. He is a Mortgage Clerk Intern and he’s learned just how complex banking can be; especially within the mortgage department. His most memorable moment thus far is when he was learning how to fax and received an email with a quote of Michael Scott from The Office saying “Fax? Why not just send it over on a dinosaur?” He found it even more hilarious when the email was marked as important. Corey is appreciating the time he has left in college and sometimes feels nostalgic about it. 

Austin Gregory will be finishing his bachelor degree in Accounting at the end of summer at Northwood University and plans to attend graduate school there as well. As a Mortgage Clerk Intern, he’s learned a great deal about overdraft protection and how to close out loans. His understanding on banking has tremendously increased working as an intern.  A fun fact about Austin is that he is the all-time leading scorer of the Ionia basketball program—Impressive!

 

Stay Tuned for our next installment of the Intern Spotlight!

Written by Victor Sosa | Marketing Intern

From June through August 2018, 32 summer interns will be experiencing what it is like to be part of Mercantile Bank of Michigan. Interns are challenged with many projects, meetings, and tasks such as putting together presentations or sharing thoughts with their departments. Attending workshops is also an integral part of this experience. Topics vary from diversity training to developing networking skills. All in all, the program is filled with opportunities for growth and advancement. Misti Stanton, coordinator of the internship program sets the bar high for each intern; “I give you 150% and I expect the same in return at all times.” All of this makes this internship special, challenging and rewarding. Each week we will introduce you to a few of the interns and learn what each has to say about their experience being part of the Mercantile team.

Amari Brown is a sophomore at Hope College double majoring in Sociology and Social Work with a minor in Political Science. She joined the Human Resource team as an intern working directly under Misti Stanton, Diversity and Inclusion officer. Amari hopes this experience gives her the tools necessary to navigate her future career. A fun fact about Amari is that she enjoys participating in pageants. They have helped her tremendously with her communication skills and learning to be comfortable with who she is.

Kristin Cebelak is a sophomore at Ferris State University, who joined Mercantile as a Treasury Sales Intern. Her biggest take away from this internship is that a positive attitude is extremely important. She states that “A person can go far with a positive attitude and willingness to learn in the workplace”. She has done tasks such as data mining and analyzing of information to further assist treasury sales officers. In her spare time, she enjoys boating on Lake Michigan with family and is an avid game and movie enthusiast.

Michael Crenshaw, a sophomore at Michigan State University majoring in Finance, was selected as a Commercial Loans Intern. Crenshaw has learned a great deal about lending during his time at Mercantile. His biggest take away from this internship is the value of versatility in commercial lending. He says being a commercial lender requires one to have extraordinary people skills. Crenshaw not only cares a lot about the ins and outs of finance but, he has also watched every Marvel Cinematic Universe Movie except Thor: Dark World—impressive!

 

 Justin Cutts is a junior at Alma College double majoring in Health Care Administration and Public Health. As a Retail Loan Operations Intern, he feels that having Mercantile Bank on his resume can be an attention grabber towards his future employment. He believes all work is important for the success of the team so he does his part so others can narrow down their focus. Justin plays college football and couldn’t be more thrilled to lace up his cleats and put on his football pads as he gets closer to the start of his football season Go Scots!

Zachary DeVries, a senior at Calvin College majoring in Accounting and minoring in Economics, was selected as a Real Estate Valuation Risk Intern. He feels this internship experience has helped him grow professionally, and so far he feels he has learned a great deal about office etiquette and other professional aspects that go along with working at a bank. DeVries’ biggest take away thus far has been how much he has learned about the banking industry as a whole. A fun fact about Zachary is he is afraid of snakes more than any other animal. He has been swimming with stingrays and sharks in the ocean, but nothing frightens him more than snakes. He says he is basically Indiana Jones.

 

Glory Emmanuel, a senior at Calvin College double majoring in Accounting and Economics, was selected to be a Commercial Loan Operations Intern. He feels delighted to learn how eager his co-workers and supervisors were to teach him everything he needs to know and more. One of his most memorable moments thus far is when interns took a trip to the city’s office in Grand Rapids. He was pleased to see the efforts the city is making to educate other students about college and post college life as well as their youth development programs. A fun fact about Glory is he has spent most of his life living between Nigeria and the United States. Now that’s a lot of traveling!

 

Stay tuned for our next installment of the Intern Spotlight!

 

 

 

Helping fill the needs of people in our local communities is one of the most important things we do.  Nikki Biermann, Branch Manager at our  West Branch M76 office spearheaded a volunteer event for the Mobile Food Pantry – Food Bank of Eastern Michigan at the First United Methodist Church in West Branch.  Volunteers from the Bank along with local Boy Scouts and people from the congregation helped to unload the semi, sort the food, and then distribute it to over 260 individuals.  Nikki uncovered the need through her involvement with Boy Scouts and put together a group of volunteers to help. Thank you Nikki, Alan, Shantel, Karen, Bennie, Steve, Alta, Kayla and Debbie for your commitment to the community of West Branch!  

Exciting news! We are upgrading our online and mobile banking experience!  Improved with you in mind, this new design will make it faster and easier to use than ever before.  With enhanced security, new features and expanded functionality, it will offer convenient access to your banking information whenever and wherever you need it.  This upgrade will occur on September 14, 2016.  We encourage you to visit our Readiness page:  https://www.mercbank.com/upgrade/  to find out more details. 

 

At Mercantile Bank, you’ll find a home mortgage experience unlike any other.  We provide personalized service that goes far beyond appraisals, escrows, and finance rates.  We’re with you step by step through the entire mortgage process to make sure that you get the home financing program that meets your needs and lifestyle.  Visit our newly designed website to find out all the ways our team can help you.  Whether it’s a new purchase, or refinancing your existing home, discover why we’re the premier choice for all sorts of home loans.  *All loans subject to credit and collateral approval.

https://www.mercbank.com/mortgage/index.asp

 

An essential part of our cornerstone values is to strengthen the communities we serve throughout Michigan.   We accomplish this in many ways including our commitment to revitalizing our neighborhoods as well as creating and promoting economic prosperity by investing in industry, agriculture and real estate.  We also have a relentless drive to help provide affordable housing, supporting housing for low and moderate income families, persons with developmental disabilities and the homeless.

Our most significant impact goes beyond financial investments.  Our hands-on approach to community engagement has helped to support the people in our communities in countless ways.  Over the past year, Mercantile Bank employees have volunteered a total of 30,140 hours.  That’s an average of 62.53 hours per employee.  We’re proud of the efforts of our team throughout the communities we serve. 

 Watch our Community Impact Report video to learn more about all the ways we’re impacting our communities.

 

 

Mercantile Bank´s Giving Together program is another way for us to give back to the communities we serve. Non-Profit organizations are able to apply to be considered for a chance to receive a donation decided by the public during a weeklong voting period at www.mercantilegivingtogether.com or at our Facebook page at https://www.facebook.com/mercbank

Congratulations to the most recent winners of our Giving Together Program! 

First Place: The Geek Group National Science Center

Second Place: West Michigan Veterans Assistance Program

Third Place: Foster Closet of Michigan-Isabella County Branch

Thank you to all of our finalists for the meaningful work that you do in our communities.  It’s our pleasure to help you in your mission. 

We are currently accepting applications through September 26th for Health & Human Service related organizations. To find out more about our Giving Together Program and to apply, visit us at: www.mercantilegivingtogether.com                                                                                                                                           

 

eNewsletter, community bank, information, quarterly, spring 2016ID Theft, protection, Deluxe, Provent,In 2014, over 25% of U.S. consumers were notified that their personally identifiable information had been compromised in a data breach – over 2.5 times more than in 2013.1 That’s why we’ve teamed up with Deluxe to offer Provent ID Protect Plus.  Membership for this program is $4.95 per month and includes great services such as;

-Monitoring to scan the Internet’s black market chat rooms for your personal and credit information.

-An online vault to store sensitive information with top level data security, with 24/7 online customer access.

-A certified Resolution Specialist to manage your fraud or identity theft case.

-Daily credit monitoring and alerts to notify you of activities associated with your credit file.

No one wants to be the victim of identity theft, so why not protect yourself with the help of your trusted financial partner.  Enrollment is easy, so come in and talk to us today! 

Click here to learn more!

 

The Mercantile Bank Leadership Camps featuring Kirk Cousins took place in April. Students from Grand Rapids and Lansing Schools were invited to spend a day learning about self-awareness, communication, and teamwork with pro quarterback, Kirk Cousins. It was an impactful day for students and volunteers alike. We have an incredible group of young leaders here in our communities! Thank you to everyone involved in making these powerful events possible!

 Loans, Mortgage, Cars, RV, Boat, House, Construction

Mercantile Bank is excited to offer some great mortgage, construction and consumer loan specials! 

Construction Loans- are you thinking about building that dream home?  Ask about our convenient one-time close construction to completion loan.  This great loan option provides you with a 16 year loan, with a one year construction and a 15 year repayment period.

First Time Homebuyers*- we offer a wide range of options for those looking to purchase their first home!  For a limited time, we have special rate options, access to up to $10,000 in down payment assistance, and we’re waiving the origination fees (up to $545 value.)

1.99% Consumer Loans (2.66% APR)** It’s back by popular demand! If you’re in the market for that new boat, truck or RV, let us show you how affordable it can be.        

Stop in and talk to our friendly, knowledgeable loan officers and find out how we can help you find the loan option that best fits your needs.

 

*Please consult a Loan Officer for complete details. All loans subject to credit and collateral approval. Waived origination fee available through October 1, 2017. All loan products and programs are subject to additional terms and conditions. Down payment assistance available through the Homeownership Opportunities Program for households at or below 80% of area median income. To be considered a first time home buyer the purchaser and purchaser’s spouse may not have owned a primary residence 3 years prior to purchase. Home buyer must contribute a minimum of $1000 toward the purchase and complete pre-purchase counseling; grant is repayable if the home is sold or refinanced within five years. Funding based on availability. Other restrictions may apply for down payment funds.

**Annual percentage rate (APR) is based on a $10,000 loan with 47 payments of $219.83 and 1 payment of $220.33, includes $135 processing fee. Loans subject to credit approval. All loan terms and conditions apply. 48 month maximum term. Automatic payment from checking account is required. Rate only applies to personal secured loans with maximum collateral age of 10 years and does not apply to real estate secured loans. Minimum credit score of 690 for advertised rate; APR may be higher based on credit qualifications. Offer valid on new loans and does not apply to refinancing of existing Mercantile Bank loans. Offer cannot be combined with any other loan discounts or offers. Limited time offer available as of 05/16/16, subject to change without notice. Contact a Mercantile lender for complete details.

Shredding, recycle, free, service,

The safety and security of your important documents is important to you, and so it’s important to us.  That’s why we’ve brought back our annual free Shred Day events!  Bring us your unneeded, sensitive documents to take advantage of this free service.  Check our website to find a location close to you.  It’s just one more way, we’re here to help you! 

Click here to find dates and locations near you!

-1 Javelin Strategy & Research, 2015 Identity Protection Services Scorecard- Direct-To-Consumer Market, April 2015                                                                                                                                                                     

It was a great start to our 2016 Giving Together Program! We enhanced our program in several ways, doubling the number of organizations who can compete for votes from 10 to 20, and adding a 2nd and 3rd place winner.  We just wrapped up our first voting period focusing on Schools and Education and are happy to announce our winners:

$5,000 1st Place Winner- Holt Public Schools (Holt, MI)

$1,500 2nd Place Winner: Calvin Christian Schools (Grandville, MI)

$500 3rd Place Winner: Ogemaw Kids Club (West Branch, MI)

It was a fun week of voting and we’d like to thank all of the schools and non-profit organizations that participated. You are all winners in our book!

The next application period begins on May 23 and continues through June 27. The focus for this period is Community & Economic Development. Non-profit organizations can apply at www.MercantileGivingTogether.com. The selected organizations will be announced on July 8 and voting will be the week of July 18-25th. Stay tuned to our Facebook page for updates throughout the year!

Winter 2016 eNewsletter

Research shows that in recent years 85% of the world’s population shop online and the average American uses electronic media up to 11 hours a day.  Spending time online is a quick and convenient way to communicate, get our news and shop.  However, it can be dangerous if we’re not vigilant in protecting our private information.   

With help from our friends at NerdWallet, we’ve put together a list of important steps to keep in mind to help protect yourself from online dangers. 

1. Do your online shopping/banking from home

You’ve probably taken steps to secure your home network, so it makes sense to do most of your online activity there. Public computers are convenient, but be careful about entering passwords and sensitive account information when using these machines. Many will keep your login data in the web browser history, so after you leave, the next person who uses the computer might be able to see what you typed and access your account.

If you’re on your own laptop or mobile device but using public Wi-Fi to access the Internet, you could run into similar issues. You can’t be sure the network you’re on is secure, and if it’s not, a lurking hacker could see any information you send. When you use public Wi-Fi, consider updating the settings on your device to make sure you don’t automatically join networks you won’t use regularly.

If you have to shop or bank online while away from home, consider using a virtual private network, or VPN, service to protect your account information.

2. Install antivirus software

Many antivirus companies will send security patches to your computer automatically, so you don’t have to be a tech genius to get the most up-to-date protection. In addition to installing an antivirus program, it’s a good idea to check your operating system, web browser and mobile devices to make sure they also have the latest software updates.

3. Be smart with account passwords

Strong passwords include both upper- and lower-case letters, numbers and symbols, and they can’t easily be guessed. Security experts recommend that you change your passwords regularly — at least once every few months.

4. Don’t skimp on mobile security

Sometimes you may need to shop or bank online while you’re on the go. When using smartphones, tablets and laptops, you can help protect your accounts by adding a password to lock your device screen. Also, install a “find your phone” tool to help locate your device if it’s misplaced. Many such tools give you the ability to disable your device remotely, in case it can’t be recovered.

 5. Remember, “secure” starts with an S

Before sending over account numbers or other sensitive information, check to see whether your browser address bar begins with “https” instead of “http”. The extra “S” literally stands for “secure,” because the page is encrypted. In addition to checking for the “S,” you can also look to see whether the webpage has a seal from such organizations as the Better Business Bureau, Trusted or VeriSign, which means the site is more likely to be trustworthy.

Margarette Burnette is a staff writer covering personal finance for NerdWallet. Follow her on Twitter @margarette and on Google+.

 

Debit Card protection

We are proud to offer our customers an innovative new service!  CardValet is a mobile app that lets you control your debit card usage and spending on the go.  This free app is available on the Android App store or iTunes.

Exciting features of this product include

•      Card usage controls: Establish spending limits to allow transactions up to a certain dollar amount and decline transactions when amounts exceed pre-defined thresholds.  Transactions can also be monitored or controlled for specific merchant categories such as gas, hotel, travel, groceries or electronic stores. 

•      Card on/off setting:  When the card is “on,” transactions are allowed in accordance with the usage control settings you’ve established.  When the card is “off,” no purchases or withdrawals are approved until the card is turned back “on.”  This control can be used to disable a lost or stolen card.

•     Location-based controls:  Restrict transactions to merchants located within a certain range of your location (using your phone’s GPS); transactions requested outside of the specified area can be declined.

•      Fraud protection: Report or restrict PIN and signature transactions, enabling you to manage, track and report specific types of transactions and quickly detect unauthorized activity.

•      Interactive alerts: Real-time alerts can be sent when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined.  

•      Financial features: Conduct limited card-related transactions wherever you are, any time of the day, including real-time balance inquiries and locating ATM’s.

If you have questions or would like find out all the ways that CardValet can help you, visit our website at: https://www.mercbank.com/cards/cardvalet.asp.  You can also stop in to any of our offices for full details.

Community Investment is “Outstanding” at Mercantile Bank

 Giving back to the communities we serve has always been a priority to us at Mercantile Bank. We are honored to once again be rated as “Outstanding” by the FDIC in our Community Reinvestment Act (CRA) examination.

 The CRA is a law that requires banks to help meet the credit needs of their communities for housing and other purposes, particularly in neighborhoods with low or moderate incomes, while maintaining safe and sound operations. An “Outstanding” rating is the highest available ranking and one which only about 5% of all banks achieve. We are proud of the fact that this is the third consecutive time we’ve received this rating, meaning that we’ve had nine years of “Outstanding” ratings.

 The “Outstanding” rating is based on our performance in lending, investments and services, focusing on areas such as mortgages, small business, and community development lending and services.  Our CRA evaluation made specific references to our strengths in lending, including our responsiveness to credit needs, and geographic distribution of small business and home mortgage loans throughout low and moderate income areas in the markets we serve.

 We believe that this rating is the result of the hard work and dedication of our employees, who year after year contribute and invest in the communities where we live and work. To this end, we are consistently looking for ways to build stronger relationships with our community partners by providing accessible banking and lending services in all of the communities we serve. 

Article Written By: Bob Kaminski| President & CEO| Mercantile Bank of Michigan

Giving back to the communities we serve has always been a priority to us at Mercantile Bank. We are honored to once again be rated as “Outstanding” by the FDIC in our Community Reinvestment Act (CRA) examination.

The CRA is a law that requires banks to help meet the credit needs of their communities for housing and other purposes, particularly in neighborhoods with low or moderate incomes, while maintaining safe and sound operations. An “Outstanding” rating is the highest available ranking and one which only about 5% of all banks achieve. We are proud of the fact that this is the third consecutive time we’ve received this rating, meaning that we’ve had nine years of “Outstanding” ratings.

The “Outstanding” rating is based on our performance in lending, investments and services, focusing on areas such as mortgages, small business, and community development lending and services.  Our CRA evaluation made specific references to our strengths in lending, including our responsiveness to credit needs, and geographic distribution of small business and home mortgage loans throughout low and moderate income areas in the markets we serve.

We believe that this rating is the result of the hard work and dedication of our employees, who year after year contribute and invest in the communities where we live and work. To this end, we are consistently looking for ways to build stronger relationships with our community partners by providing accessible banking and lending services in all of the communities we serve.