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The Safety of Hanmi Bank – Is It FDIC-Insured?

Hanmi bank

Only a few banks can serve different communities of different countries and Hanmi Bank is one of them. This bank is successfully serving the Korean-American community. It’s a journey of 25 years.

Because of their organizational structure, they’ve come with both English and Korean versions. Even they have a variety of options for the banking product that starts from checking and ends with savings.

From the money market, lending and business activities, lots of people prefer this bank. It’s not only convenient but has recognition from different organizations like the FDIC. Here is more information you can find.

What Is Hanmi Bank?

Hanmi Bank is a newbie in the banking sector. But their age doesn’t reflect their dedication to the client and banking services. It started in 1982 and is headquartered in Los Angeles, California.

In their financial report, it’s shown that they own $5 billion assets and $4 billion deposits. Because of the traditional banking service, clients are free to get access to service representatives all the time.

It also offers web and mobile applications. Users of their mobile apps rate this app 4.1 out of 5. That means it’s good enough to give a client freedom to manage an account.

Hanmi Bank
Picture: Hanmi Bank

Overall Status of Hanmi Bank:

Without knowing their actual financial status it’s hard to find how good or bad this bank could be. Here are their asset and liabilities details.

ParticularsQ1 2021Q1 2020
Assets$6,44 B$5.62 B
Loans$4.76 B$4.48 B
Deposits$5.52 B$4.60 B
Equity Capital$688.4 MM$650.1 MM
Loan Loss Allowances$88.4 MM$66.5 MM
Unbacked Noncurrent Loans$42.1 MM$40.9 MM
Real Estate Owned$1.5 MM$63.00 K
Branch of Hanmi Bank
Picture: Branch of Hanmi Bank

What Are The Product Types?

As you know, the best bank comes with different types of financial products for their client. Let’s see what types of products this Bank offers.

Personal Banking

  • Checking
  • Money Market & Savings
  • Certificate of Deposit
  • Personal Debit Card

Business Banking

  • Checking
  • Money Market & Savings
  • Certificate of Deposit
  • Business Debit Card
  • Treasury Management
  • Korea Desk


Personal Loans:

  • Home Loan

Business Loans:

  • Commercial Lending
  • SBA Lending
  • Healthcare Lending
  • Equipment Leasing
  • Trade Finance
  • Entertainment Lending

What Are The Pros & Cons of Hanmi Bank?

It doesn’t matter how good a bank is if you find disadvantages. This bank also has some pros and cons and here it is.


  • Low fees
  • Wide Variety of Accounts


  • A limited number of branches
  • Less competitive rates

Is Hanmi Bank FDIC Insured or Not?

As you know, this bank was founded on December 15, 1982. But the sad news is this bank is not an active FDIC-insured bank. We found that this Bank has an FDIC insurance membership with DIF. DIF refers to the Deposit Insurance Fund. This one is regulated by the (FRB) Federal Reserve Board. So, this Bank is assigned under the San Francisco Federal Deposit Insurance Corporation (FDIC). Here are more details of Hanmi Bank

Bank NameHanmi Bank
Address3660 Wilshire Boulevard, Shuit A, Los Angeles, CA 90010
CountyLos Angeles
Bank’s StateCalifornia
FDIC certificate ID24170
Bank Institution NameHanmi Bank
Is the Bank Active?Inactive
Office of Thrift Supervision Docket IDNot an OTS member
RegulatorFederal Reserve Board (FRB)
Bank Charter ClassSM – Commercial Bank, Bank is supervised by the Federal Reserve Board (FRB), State Charter, and Fed member
FDIC Bank’s Chartering AgencyState
Bank is FDIC InsuredNo, FDIC insured bank is not a member of the Bank Insurance Fund
Date of Deposit InsuranceDecember 15, 1982
Change Code DescriptionNot FDIC Insured Bank Changes
OCC Bank CharterNo FDIC Bank Charter Number
ConservatorshipFDIC insured bank is not being operated by government conservatorship

What Is The Popular Product Rate of This Bank?

Hanmi Bank has a variety of products but only a few of them got the most attention of the people. We decided to give you some details about the rate of all these popular products of this bank.

Savings and Money Market Rates:

Money Market0.05%$2,500$2,999
Money Market0.10%$10,000$14,999
Money Market0.10%$25,000$29,999

CD Rates:

6 Mo CD0.25%$10,000$14,999
6 Mo CD0.35%$100,000$199,999
12 Mo CD0.50%$10,000$14,999
12 Mo CD0.65%$100,000$199,999
18 Mo CD0.50%$10,000$14,999
18 Mo CD0.65%$100,000$199,999
24 Mo CD0.50%$10,000$14,999
24 Mo CD0.65%$100,000$199,999
30 Mo CD0.50%$10,000$14,999
30 Mo CD0.65%$100,000$199,999
36 Mo CD0.55%$10,000$14,999
36 Mo CD0.60%$100,000$199,999
48 Mo CD0.55%$10,000$14,999
48 Mo CD0.60%$100,000$199,999
60 Mo CD0.55%$10,000$14,999
60 Mo CD0.60%$100,000$199,999

Int. Checking Rates:

Int Ckg0.05%$2,500$3,499
National Average vs. Hanmi
Picture: National Average vs. Hanmi

What About Service Quality?

Only a few banks have the dedication to offer quality service to their clients. Hanmi Bank does its best for this purpose. It has a total of 41 barnacles in California, Illinois, New York, New Jersey, Virginia, and Texas.

To reach their clients easily, they introduced mobile applications and web applications. So for on-the-go banking service, this bank could be the option only for its mobile application.

Maybe it does not have all-day customer service, but clients can access and can communicate with customer service officers through this app.

Picture: The mobile app gives freedom to control account
Picture: The mobile app gives freedom to control account


Finally, we found a bank that not only secured our money but also offered the best service. In many ways, this bank draws everyone’s attention in a short time. When you need a great bank with a flexible financial product, then Hanmi Bank is the solution.

It gives the client full freedom to control the account in every possible way. This bank is full of packages that are contemporary for everyone. All these products can fulfill our financial needs easily.

Most importantly, this bank has recognition from different organizations that can certify a bank for its service in the banking sector.

Should You Open A Checking Account With Florence Savings Bank?

florence savings bank

When it comes to opening an account or managing your money with a secure and convenient bank then Florence Savings Bank could be the solution. This bank not only ensures better cashback offers but gives the client full freedom to manage accounts.

Every client of this bank loves to share their experience with other people who want such a bank for better cashback. Even this bank is full of different financial products that let us choose which option we need based on our situation.

With a better health rating, this bank secures our money as well as the return. But how do they do it? Let’s find out more information about this bank.

Picture: Florence Bank: Customers Choice

What Is Florence Savings Bank?

Florence Savings Bank is a community bank that offers stress and hassle-free banking service for the community of Florence. As the 29th largest bank of Florence, this one started its banking journey in 1873. It’s headquartered in Florence.

Read More: Embassy Bank Opens Up Their Tenth Branch In Allentown Fairgrounds:

In 13 different locations, this bank offers physical banking services. The management makes a strong team of 200 employees. It is also popular for sound financial advice.

To meet the unique needs, this bank has various options. They have fantastic financial situations and long-term goals.

Picture: Make your move with florence savings bank
Picture: Make your move with Florence Bank

Overview on Financial Strength:

To know the financial health of a bank, you must know about its current assets and liability status. Check assets and liabilities of the FSB.

ParticularsQ1 2021Q1 2020
Equity Capital$166.0 MM$160.7 MM
Loans Loss Allowance$8.7 MM$4.4 MM
Unbacked Noncurrent Loans$2.1 MM$1.5 MM
Real Estate Owned$0$0

What Types of Product FSB Offers?

A community bank must come with a variety of options for the financial product. The FSB also has all the essential products that we need for our daily banking as well as to fulfill financial needs.

Personal Banking

Deposit Accounts:

  • Checking Accounts
  • Savings Accounts
  • IRAs
  • Personal Deposit Rates


  • Home Loans
  • Mortgage Rates
  • Rate Lock Guarantee
  • Home Equity Loans and Lines
  • Home Equity Rates


  • Mobile Services
  • Debit Cards
  • Account Services
  • Calculators

Business Banking

Deposit Accounts:

  • Business Checking Accounts
  • Business Savings Accounts
  • Other Deposit Account
  • Business Deposit Rates


  • Commercial Loans
  • Commercial Lenders
  • Paycheck Protection Program


  • Cash Management Services
  • Business Account Services
  • Business Debit Card
  • Business Mobile Services
  • Business Online Security


  • Locations & Hours
  • Information Center
  • Contact Us
  • Account Inquiry
  • Security Center
  • Financial Education

What Are the Product Rates?

A bank can’t be better if the rate is not below the average. Florence Savings Bank has some popular products that have different rates based on terms and conditions. Here is the rate.

Savings and Money Market Rates:

Money Market0.05%$2,500$2,999
Money Market0.05%$10,000$14,999
Money Market0.05%$25,000$29,999
Premium Money Market Account0.05%$10,000$14,999
Premium Money Market Account0.05%$25,000$34,999

CD Rates:

6 Mo CD0.25%$10,000$14,999
6 Mo CD0.25%$100,000$199,999
12 Mo CD0.20%$10,000$14,999
12 Mo CD0.20%$100,000$199,999
18 Mo CD0.20%$10,000$14,999
18 Mo CD0.20%$100,000$199,999
24 Mo CD0.30%$10,000$14,999
24 Mo CD0.30%$100,000$199,999
30 Mo CD0.35%$10,000$14,999
30 Mo CD0.35%$100,000$199,999
36 Mo CD0.40%$10,000$14,999
36 Mo CD0.40%$100,000$199,999
48 Mo CD0.50%$10,000$14,999
48 Mo CD0.50%$100,000$199,999
60 Mo CD1.00%$10,000$14,999
60 Mo CD1.00%$100,000$199,999

Checking Rates:

Rewards Checking0.10%$0$0.00
Free Checking0.00%$0$0.00


The best bank doesn’t compromise with the service to ensure a better banking experience. When a bank imposes charges in different ways, then clients don’t appreciate their services.

The good news is, FSB comes with extremely low fees. After the comparison with the national average, we feel very comfortable with this bank. It doesn’t have any monthly fee for the checking account.

For a simple account, this bank is best. Even the overdraft fee is lower than the national average. It doesn’t impose out-of-network ATM charges.

ParticularsRemarksNational Average
Monthly Fee$0$3.21
Non-network ATM FeeN/A$1.2
Overdraft Fee$33$35
National Average vs. Florence
Picture: National Average vs. Florence

What About The Service Quality?

The service quality of a bank sets the parameter that guides clients to rate their services. To increase the quality of the service this bank has 13 different locations. So, you can easily visit their branches and get the service that you want.

To reach their customers this bank offers mobile and web apps. You just need to download the app from the Google play store or app store and enjoy your banking.

You can easily access your account and manage your money like transferring and receiving, paying bills, and many more through the app. It is even possible to check your account balance and download statements as well.

Read More: Woodsville Guaranty Savings Bank Mortgage Rates Compared To State Averages

If you don’t have the time to go to the branches, then you can easily contact the customer service officer through the apps. This bank included many more options in their mobile and web app.

  • Overall Mobile Rating: 3.3/5
  • Consumer Satisfaction Rating: 5.0/5       
  • Online Banking Portal: No
  • Live Chat: No
Picture: Manage your florence savings bank  account through a mobile app
Picture: Manage your account through a mobile app


No bank can serve in the best way unless it can provide every service that customers want from a community bank. For daily banking, there is nothing a bank can minimize especially for the service.

Florence Savings Bank doesn’t frustrate us with their services. In many ways, it is a better bank for the people of the US. They offer a high rate, the lowest charge, better customer service, security, easy account access, and many more for their valued clients.

If you want to be one of them, then this is the best time to open an account. You won’t regret it after opening an account at this bank.

Why People Use The State Bank of Cross Plains

state bank of cross plains

Only a few banks have a large community for banking and the State Bank of Cross Plains is one of them. For many reasons, it’s one of the best banks in Serving Dane, Green, and Rock County, Wisconsin.

Like other competitive community banks, this one also offers different but effective personal and business financial services. For general banking, business lending, real estate, wealth management, and financial advisory service, this bank comes with lots of contemporary products.

They set their branches in different locations to keep the customer in touch all the time. Without knowing details it’s hard to judge how good this bank is for the people. Let’s jump into the deep.

Picture: State Bank of Cross Plains
Picture: State Bank of Cross Plains

What Is the State Bank of Cross Plains?

State Bank of Cross Plains is known as one of the best community banks that started its banking service in 1908. This 112-year-old bank established its headquarter in Cross Plains, Wisconsin. This place is near Madison.

At first, they were focusing on serving the community of Madison and its surrounding areas. This is the reason, most of the people of this area give priority to this bank for their daily banking. It offers different types of accounts. Even they have a strong and active online presence as well.

Some people rate this bank as the best option for numerous lending and investment. To meet your personal financial need, this bank could be your ultimate option.

Picture: Homepage of State Bank of Cross Plains
Picture: Homepage of State Bank of Cross Plains

Assets and Liabilities Status:

When you look at the details of this bank to find out the financial strength, it will be easy to make decisions for daily banking.

Assets and LiabilitiesQ1 2021Q1 2020
Equity Capital$168.7MM$156.7MM
Loan Loss Allowance$12.4MM$9.3MM
Unbacked Noncurrent Loans$4.3MM$9.5MM
Real Estate Owned$184.00K$0

What Are Financial Products?

This bank offers different types of products and most of them are suitable for everyone.

Personal Banking

Accounts & Cards:

  • Checking
  • Savings & CDs
  • Debit Cards
  • Credit Cards
  • uChoose Rewards

Digital Banking

  • Online Banking
  • Mobile Banking
  • Online Bill Pay
  • Card Manager
  • Zelle
  • Mobile Wallet
  • Alerts & eDocuments
  • Credit Sense


  • Mortgage Loan Options
  • First-Time Homebuyer
  • Refinance
  • Construction & Lot
  • Meet The Mortgage Team


  • Home Equity
  • Personal Loans
  • Students Loans

Private Banking:

Business Banking

By Industry:

  • Commercial Real Estate
  • Construction
  • Manufacturing
  • Retail
  • Agriculture
  • Nonprofits
  • Public Depositories
  • Professional Services


  • Loans & Letters of Credit
  • Leasing

Treasury Management:

  • Payment Solutions
  • Fraud Protection
  • Checking
  • Credit Cards
  • Investments & Savings

Digital Banking

  • Online Banking
  • Mobile Banking
  • eCourier
  • Account Alerts
  • Online Bill Pay
  • CardValet

Business Wealth Management:

Wealth Management


  • Investment Management
  • Financial Planning
  • Retirement Planning

Trustee & Estate

  • Fiduciary Services
  • Choosing the Right Trustee
  • Charitable Giving Plan

Business Wealth Management:

  • Employee Retirement Plans
  • Trustee & Estate Services
  • Investment & Cash Management
  • Financial Planning

SB Financial Services

  • Insurance and Risk Management
  • Digital Investing Solution
  • Meet Our SB Financial Team

Private Banking:

What Are the Key Features?

After reviewing all the details and other facilities we’ve found some key features of this bank and these are.

  • Convenient 24-hour access
  • Online account management system
  • Download statements
  • Pay your bill online
  • Online Customer Service
Picture: Branch of State Bank

What Are The Product Rates?

Check all the popular product rates of this bank and compare them with the notational average.

ProductCurrent Terms and RatesMinimum Balance
Savings Account0.05% APY$200
Certificates of Deposit12 Month: 0.25% APY24 Month: 0.35% APY36 Month: 0.55% APY48 Month: 0.65% APY60 Month: 1.26% APY$2500 for all terms
Money Market Accounts0.05% APY0.1% APY$10000$15000

Based on the rates, we found some products that are perfect for daily banking and some are not. We tried to compare the rate with the national average. A person always wants a convenient banking service along with the lowest rate and highest return.

Read More: The Merger Between Sevier County Bank And SmartFinancial, Inc.

To get a high return, the decision is up to you. Remember, for the saving rate, we found 0.05% where the national average is 0.09%.

What about the Fees?

In many ways, the State Bank of Cross Plains is best but for the charge, it’s not good at all. After the comparison, the fees seem above average than the national average.

It also charges an out-of-network ATM fee. To save your money from such types of charges, you must find a State Bank of Cross Plains. Even the overdraft fee is also $35. The good news is this fee is lower than the national average. Take a quick look at the fees.

ParticularsSBCPNational Average
Monthly Fee$5.00$3.21
Non-network ATM Fee$2.5$1.2
Overdraft Fee$35.00$35.00

What about The Service Quality?

To ensure better service, this bank has 19 branches. These branches play a vital role to keep the customer in touch. To make the banking service more convenient this bank offers access to mobile and web apps.

Through these media, clients can get an easy mobile-banking experience. But for the customer service, you can get all-day service. It’s only possible when the bank is open. From the customer, their mobile apps got a fair rating. That means, this app is more user-friendly and keeps everything flexible.

Picture: Mobile app in play store

You can use it on both iOS and Android platforms. It got a 3.7 rating out of 5. So, as a client, you can easily manage your account as well as money through making transfers, paying bills, downloading statements, and many more.

If you can’t reach customer service physically, then this app is the way to reach them. It has the option to reach customer service. Here is the rating for different services of this bank.

  • Overall Mobile Rating: 3.7/5
  • Consumer Satisfaction Rating 5.0/5
  • Online Banking Portal: No
  • Live Chat: No

Read More: The History of Legence Bank And Their Proud Heritage


For potential customers, the State Bank of Cross Plains offers different account types and other online tools that make banking easy. From mortgage to a personal loan, every type of account is available.

Undoubtedly, it’s the best bank in Madison, Wisconsin. To maintain a low balance this could be your bank. Down worry about your low liquidity, this bank has its method to keep you happy.

To enjoy flexible financial service with easy reach, we choose this bank. For in-person banking, especially to get higher-yield money market or CD accounts, this bank of Wisconsin is the most secure place.

Long-term Technical Forecast For The AABB Stock (Should You Buy It)

aabb stock

Nowadays, investors want to get involved in AABB stock to get some benefit. But is it really good to get? Before we discuss the stock and its financial forecasting, we should know more about Asia Broadband, Inc (AABB).

This company is known as Resource Company. So, most investors know how to calculate and make a prediction for such types of companies. For this company, they also calculate some financial data.

It’s not the end for the valuation of AABB stock. There are more details you should get that can make your investment much better.

aabb stock
Picture: Stock Market is the best place for investment

What Is Asia Broadband, Inc. (AABB)?

Simple, this company operates as a resource company. So, it is focused on a specific path and plan. They are involved with the production, supply & sale of Precious & Base metals. On January 24, 1996, this company started to operate its activity. But it owns a subsidiary named Asia Metals Inc.

Asia is their primary market. That’s why most of the activity of this company focused on this market. Now we can see the success of AABB stock on the stock market. Maybe it is focused on Asian Market but its headquarters are in Las Vegas. NV.

About Asia Broadband Inc.:

Take a quick look at this resource company and some key details.

Sub-industryMetals & Mining
Address1066 West Hastings Street, Suite 2000 Vancouver, BC V6E 3X1

Stock Market Info of Asia Broadband Inc.:

Now let’s talk about the stock. Is it good to buy AABB stock or sell it? According to the different finance reports and stock market analysis, it is possible to get a prediction about the stock of this company.

Read More: Why Clinton National Bank Is The Bank of Choice For Area Farmers?

For you, we’ve gathered different information including share forecast, buy/sell opinion, stock quotes, and many more. In the last 12 months, the stock of this company has been in a bullish cycle based on the market environment and present data of AABB.

Picture: Share Market Trend
Picture: Share Market Trend

In this period, it seems basic material sectors are popular. It has become a trend for such types of stock. The good news is, we found a positive trend for the AABB stock. For the investment, this stock could be good and can ensure a better return.

Not only for the positive outlook, trending in the bull market lets everyone buy this stock and it’s easier to calculate. We suggest you for the optimal investment if you are new in this market.

Historical Data of AABB Stock:

We collect 14 days of historical data, including opening price, closing price, minimum price, maximum price, etc. Take a quick look at this data.

DateOpening priceClosing priceMinimum priceMaximum price
2021-08-27 0.1165 0.1196 0.1137 0.124
2021-08-26 0.1125 0.115 0.111 0.1155
2021-08-25 0.1119 0.115 0.1102 0.1155
2021-08-24 0.1164 0.1172 0.1115 0.1175
2021-08-23 0.1213 0.12 0.1184 0.123
2021-08-20 0.1237 0.1201 0.1173 0.1237
2021-08-19 0.1294 0.1234 0.1212 0.1298
2021-08-18 0.1269 0.129 0.1269 0.1335
2021-08-17 0.127 0.1269 0.125 0.1277
2021-08-16 0.1234 0.1295 0.1225 0.1295
2021-08-13 0.1234 0.121 0.1199 0.1234
2021-08-12 0.1198 0.1203 0.1195 0.123
2021-08-11 0.1244 0.127 0.1216 0.127
2021-08-10 0.1371 0.1242 0.1209 0.138

AABB Security Details:

Here are more details you might need to know for the valuation of the AABB stock.

Share StructureRemarksDate
Market Cap27183244608.27.2021
Authorized Shares250000000008.28.2021
Outstanding Shares229394469008.28.2021
Outstanding Shares (Restricted)29717988908.28.2021
Outstanding Shares (Unrestricted)199676480108.28.2021
Held at DTC178248917708.28.2021
Per Value0.0001 

Stock Price Prediction, Forecast for Upcoming Months and Years:

Based on the previous data, and financial report, including the trend, our experts predict the upcoming year. Below you’ll find the data.

Picture: Forecast trend line

Stock Price Forecast for 2021:

DateOpening PriceClosing PriceMinimum PriceMaximum PriceChange
October 2021$0.1089$0.114$0.1016$0.1144.43
November 2021$0.1160.112.1031.116-3.61
December 20210.110.1079.0994.113-2.02%
Short-term AABB stock prediction of aabb stock
Picture: Short-term AABB stock prediction

Stock Price Forecast for 2022:

DateOpening PriceClosing PriceMinimum PriceMaximum PriceChange
January 2022.113.1096.10042.117-3.55
February 2022.111.1830.111.18339.27%
March 20220.1820.1840.1710.1871.31%
April 20220.1850.1630.1610.186-14.05%
May 20220.1640.1630.1570.164-0.92%
June 20220.1610.1460.1460.164-10.33%
July 20220.1480.1540.1480.1573.92%
August 20220.1560.1530.1530.163-2.49%
September 20220.1510.1500.1500.158-0.73%
October 20220.1500.1560.1410.1564.38%
November 20220.1560.1500.1430.156-3.86%
December 20220.1490.1470.1390.153-1.95%
Long term prediction of aabb stock
Picture: Long term prediction

Frequently Asked Questions:

Who Are Asia Broadband’s Key Executives?

Asia Broadband, Inc. has an energetic management team. James G. Gilbert got a position as a chairman, President, CEO, CFO & Secretary.

What is Asia Broadband’s stock symbol?

There is a ticker symbol that is used for the trade on the OTCMKTS and this symbol is “AABB”.

How do I buy shares of Asia Broadband?

Through your online brokerage account, you can easily buy shares of AABB. But the brokerage house should have access to the U.S. stock market. You can take a look at WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, etc.

Who Are Some of Asia Broadband Key Competitors?

Accelerate Resources, Adriatic Metals, Adventus Mining, Aeries Resources, Aftermath silver, Akora Resources, Aldoro Resources, American Manganese, American Rare Earths, AMG Advanced Metallurgical Group, Anax Metals, Apollo Gold & Silver, Arcadia Minerals, etc. are the key competitors of Asia Broadband Inc.

What is the Asia Broadband Stock Price Today?

Currently, the price of AABB is approximately $0.12.

Read More: How Gorham Savings Bank LaunchPad Competition Drives Innovation


Asia Broadband Inc. Company is focused on producing base metals. In the production, supply, and sale, this company uses specific geographic expertise. That’s how they are still best in the base metal market, especially in Asian territory.

Even their focus on innovation in the distribution process. Indeed, there are lots of positive sides we found about this company. Such positivity for the business makes their stock more valuable than other competitors.

If you want to invest in AABB stock, then this is the perfect time to do so. Before the investment, make sure you are on the right track for the investment.

Tips for Choosing the Right Business Partner

business partner

Are you searching for a business partner who will help you hit your goals? Well, you aren’t alone! A lot of people who dream of starting their own business, or taking their existing business to the next level, often seek out the assistance and support of a trustworthy and talented partner. But the key to success lies in finding the right partner who will be compatible with your personality and will understand what you want to achieve.

How can you increase the odds of selecting the right partner with whom you can go into business? Below are some helpful tips that you can use to get started on this exciting journey.

Talk to People You’ve Worked with in the Past

Sure, you can look into business networking events in your industry, or you can search for potential partners on social media websites like LinkedIn. But another way to find a great business partner is by asking people you’ve worked with in the past, especially if you aren’t too keen on the idea of working with a stranger.

Is there anyone you met in the workplace that you got along with? Perhaps you were able to complete a variety of projects together and you collaborated wonderfully, so you think that you’d make a great team in your own business too. By looking into your existing network of colleagues, you might discover that you already know quite a few people who would make awesome business partners.

Consider Running Background Checks

When you first meet someone online or at an event, you aren’t getting the full picture of who they are and what they’ve done in the past. And even if you have known someone for many years, you might not know everything about them, so it is always a good idea to run a background check and gather more details about an individual before officially signing on as business partners.

Want to give it a try? Head over to Nuwber and type in a person’s name to see what information appears. You might find out about lawsuits or police records that you didn’t know about, and this extra info might help you avoid a problem in the future.

Don’t Be Afraid to Conduct an Interview

Whether you are meeting someone for the first time or you have known them for a long time, when you want to partner with them to run a business, it’s a great idea to interview them first. That way, you can ask them plenty of questions about their background, work history, education, and aspirations for the future.

During your interview, you can also provide them with details about what you want your business to provide, and how you plan on delivering products or services in an efficient manner. If they have positive things to say, they’re excited, and they can provide valuable input, those are all good signs that you might have found someone who is worth seriously considering for the role.

Remember, if you want to do well in business, and you want to do it all with a reliable partner at your side, it’s best to take your time and really do your research, rather than just selecting the first person who comes along and shows an interest in your idea. By taking care to choose the ideal partner, you can go far!

How Many Interests Will You Pay For A Home Loan At Waukesha State Bank?

waukesha state bank

Only a few banks are there like Waukesha State Bank that always serves personalized and community banking services for everyone. They love community involvement that influences them to innovate and introduce more and more financial products.

Not every bank is perfect for offering every type of service but this bank proves this theory wrong. In every aspect, we found all the products and services of this bank fit with our desire easily.

As one of the largest but locally owned independent banks, this one knows how to deal with clients and offer the best services to become an example of a successful financial institution. You’ll find more details about this bank below.

Picture: Waukesha State Bank
Picture: Waukesha State Bank

What Is Waukesha State Bank?

As a medium-size bank, the Waukesha State bank started its banking journey in 1944. Today, they have assets totaling $995 million and deposits $828 million. That means they are progressing very fast in this sector.

At first, Waukesha, Wisconsin was their region to offer banking services. But now, they’ve more branches and more services to offer all over the country. It only happened because of technological advancement.

Yes, they have mobile apps and web services, where anyone can get all the information about the financial product and services from this bank. Not only that, it’s also easy to reach them to get customer services in minimum time.

This bank is specialized in four types of services like savings accounts, Certificates of Deposits (CDs), Money Market Account, and Checking accounts. So, this is your bank for daily banking.

Learn More about Waukesha State from their website
Picture: Learn More about Waukesha State from their website

Financial Structure of Waukesha State Bank In 2021:

A bank just cannot offer better services unless it has a strong financial structure. For this bank, you can check its current financial structure below.

FDIC InsuredYes
FDIC Certificate# 16160
Date Established1944
Assets$ 1324.34 Million
Loans$ 863 Million
Deposits$ 1102.66 Million
Capital$ 141.49 Million

What Types of Product and Services Does Waukesha State Bank Have?

This locally-owned bank has a great financial product line. We made a list of their current product and here it is.

Personal Banking


  • Personal Checking Accounts
  • Student Checking
  • Debit & ATM Cards
  • Lost Card
  • Check Re-Order

Read More: Woodsville Guaranty Savings Bank Mortgage Rates


  • Savings Accounts
  • Friendly’s Club for Kids
  • CDs
  • IRAs
  • HSAs


  • Personal Loans
  • Home Equity Loans
  • Mortgage Loans
  • Credit Cards
  • Loan Rates


  • Online & Mobile Services
  • Online Account Services
  • Pay Your Loan
  • Safe Deposit Boxes
  • Security Resources
  • ITIN Registration Services

Business Banking


  • Business Checking Accounts


  • Savings
  • CDs


  • Loans & Credit
  • SBA Loans
  • Small Business Online Loan Application


  • Treasury Management
  • Business Solutions
  • Retirement Plan Services
  • Payroll Services
  •  Pay Your Loan

To ensure better services based on the product, this bank also has a different team to work with. These teams are fit for specific sectors like personal and business banking.

  • Rattail Banking Team
  • Mortgage Banking Team
  • Spanish Speaking Team
  • Commercial Banking team
Picture: Manage your account easily

What Are Their Product Rates In 2021?

Based on the banking regulations, the rate for financial products and services changes all the time. But this time, we’re able to pick the latest rate of the popular financial product of this bank.

Savings and Money Market Rates:

Money Market0.02%$2,500$2,999
Money Market0.02%$10,000$14,999
Money Market0.04%$25,000$29,999

CD Rates:

6 Mo CD0.10%$10,000$14,999
6 Mo CD0.10%$100,000$199,999
12 Mo CD0.15%$10,000$14,999
12 Mo CD0.15%$100,000$199,999
18 Mo CD0.15%$10,000$14,999
18 Mo CD0.15%$100,000$199,999
24 Mo CD0.30%$10,000$14,999
24 Mo CD0.30%$100,000$199,999
30 Mo CD0.30%$10,000$14,999
30 Mo CD0.30%$100,000$199,999
36 Mo CD0.40%$10,000$14,999
36 Mo CD0.40%$100,000$199,999
48 Mo CD0.40%$10,000$14,999
48 Mo CD0.40%$100,000$199,999
60 Mo CD0.50%$10,000$14,999
60 Mo CD0.50%$100,000$199,999

Fixed IRA Rates:     

Fixed IRA0.15%$1$999

Int. Checking Rates:

Int Ckg0.02%$2,500$3,499

Comparison of Rates:

Without comparing the rate with other banks and services, it’s not possible to justify how good or bad all the products of this bank are. Here is the comparison chart of the most popular product of this bank.

Notable RatesAPYVs. Others
1 Year CD0.15%0.70%
2 Year CD0.30%0.75%
5 Year CD0.50%1.15%
30 Year Mortgage3.59%2.72%
15 Year Mortgage3.19%2.36%
National Average vs. Waukesha State
Picture: National Average vs. Waukesha State

Read More: Embassy Bank Opens Up Their Tenth Branch In Allentown Fairgrounds


If you want lower fees for the financial product that you want to enjoy, then this bank could be your ultimate choice. For many and different types of products, this bank charges less than the national average.

They don’t charge any kind of monthly fees at all. This facility is best if you want to do your daily banking with this bank. But for using the ATM, you need to pay $2. Don’t worry, this charge is fair enough to the national average.

The good news is, after imposing some conditions, the charges for using an ATM are refundable. That means this bank is very convenient on this side.

What about the Service Quality?

In the USA this bank has 19 physical branches that are always active to serve their community with financial products and services. Their mobile and web application is offering a simple but better banking experience. Now it’s easy to communicate with the representative of the customer service and manage the account as well.

Mobile app is available in Play Store
Picture: Mobile app is available in Play Store


With outstanding customer satisfaction, Waukesha State Bank justified its name for banking services. They offer every type of control of the account to their customer. They can understand what types of services a client wants from them.

So, they design their product line in such a way where the rate, charges, and getting customer service became easier than everything. They have one motto to become an example of a successful financial institution and that is to support customers as they want.

This bank is comparatively better in every aspect. After going through this review, you can say why this bank is better in the banking industry.

Coastal Community Bank Partners With Synctera:

coastal community bank

Coastal Community Bank got appreciation because of their excellent upper management and opportunities that secure people’s financial needs. Yes, we are talking about this bank because consumers say that the environment of this bank is enjoyable and offers good communication.

Not only that, their product variety is loved by customers. They can easily fit their financial needs with this small but forward-thinking community bank in this region.

Everything in this bank, like managing the account and getting services is quick. There are more things to explore about this bank. Keep reading, we’ve got more information to share with you.

Picture: Coastal Community Bank
Picture: Coastal Community Bank

What Is The Coastal Community Bank?

One of the new community banks, Coastal Community Bank started to operate its banking services in 1997. Its headquarters is located in Everett, Washington.

Despite being a new financial institution, this has assets totaling $806 million and deposits totaling $706 million. So, it’s classified as a medium-sized bank. They have superior customer service to offer.

Additionally, to reach their clients within minimum time, they introduced mobile and online banking. That’s how they not only save time for both bank and client but also make the account easy to manage.

Their mobile application got a 4.1 rating out of 5. From the rating, you can understand how user-friendly this app is and its operations as well.

Picture: There are bigger banks around
Picture: There are bigger banks around

Assets and Liability Status:

Now let’s check out the overall financial status of this bank. It will clear the current state of this bank and the future.

ParticularsQ1 2021Q1 2020
Assets$2.03 B$1.18 B
Loans$1.75 B$992.3 MM
Deposits$1.68 B$1.01 B
Equity Capital$154.0 MM$133.7 MM
Loan Loss Allowance$19.6 MM$12.9 MM
Unbacked Noncurrent Loans$306.00 K$74.00 K
Real Estate Owned$0$0

Which Types of Product Does It Offer?

Undoubtedly, this bank understands which types of products people need right now for their daily banking. Based on this concept, they enrich their financial product and services, and here they are.

Business Banking

Business Checking:
  • Community Business Checking
  • Commercial Checking
  • Commercial Analysis Checking
  • Online and Mobile Banking
  • Business Debit Card
  • Nonprofit Commercial Checking
  • Nonprofit Business Checking

Business Savings:

  • Business Savings Account
  • Business Money Market
  • Business Certificates of Deposits (CDs)

Business Investment Service:

Business Loans:
  • Coastal Flexiline
  • Business Line of Credit
  • Business Term Loans
  • Commercial Real Estate Loans
  • Small Business Administration & Paycheck Protection Loans

Business Credit Card:

Business Services:
  • Treasury Management
  • Credit Card Processing
  • Remote Deposit Capture             

Personal Banking

Personal Checking:
  • Compare Our Accounts
  • Green Rewards Checking
  • Coastal Checking
  • Interest Checking

Read More: Why Passumpsic Bank Is One of The Best Banks

Personal Savings

  • Personal Savings
  • Money Market
  • Certificates of Deposits (CDs)
  • Individual Retirement Accounts (IRAs)

Personal Loans:

  • Home Mortgage Loans
  • Home Equity Loans
  • Registered Loan Originator

Personal Credit Card:

Account Services:
  • Digital Banking
  • Surcharge-Free ATMs
  • Sending Money With Zelle
  • Additional Services

Personal Investment Services:

What Is The Rate of Popular Product of This Bank?

For different types of products, this bank offers competitive rates. So, it’s easy to choose the perfect product as we need it. Here are the rates are given below.

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Accounts0.03% APY$100
Certificates of Deposit12 Month: 0.70% APY24 Month: 1.06% APY36 Month: 1.16% APY48 Month: 1.26% APY60 Month: 1.36% APY$500 for all tiers
Money Market Accounts10K tier: 0.06% APY25K tier: 0.09% APY$5,000$25,000
Checking Accounts0.02% APY$100

With several deposit options, this bank offers rates that are not only low but also have a great return. As you see, based on the product, and duration, the rate varies but it’s fair enough compared to the national average.

To manage your money, choose which product and rate fit your needs. Besides, choose a product that ensures a high return. This should be your goal.

Picture: Manage your account from everywhere
Picture: Manage your account from everywhere

Comparison of Popular Accounts of This Bank with Others:

Now, let’s compare how best or worst the rate is if we compare it with others. We are going to compare Reward Checking, Savings, and Money Market and here it is.

APYAccount TypeHow They Compare
0.25%Reward Checking0.03% – Citi Citi Priority
0.03%Savings0.50% – CIT Bank Savings Connect
0.09%Money Market0.51% – Ponce Bank High Yield Money Market

Read More: Longterm Review of Personal Banking At The West Gate Bank

What Are The Pros and Cons?

After reviewing some services and history, we’ve found lots of positivity in this bank. But in some cases, there is still scope to develop. Let’s see what the best and worst side of this bank is.


  • It offers top-rate customer service
  • ATM fees refunded


  • Less Competitive interest Rate
Picture: A better way to wait
Picture: A bett Picture: A better way to wait er way to wait

What About Synctera and Coastal Community Bank?

As we know, Synctrera is already paired with the Coastal Community bank. Because of their digital banking platform, Synctrera is getting more benefits for their operations. The President has clarified why they’ve paired with Synctera.

It’s only for using energy on serving their core market by helping with partner management. The authorities of Synctere believe this is the crucial time to work together. That’s how everyone is going to succeed in specific criteria. It opens the way to be more digital with emerging startups.

Somehow both institutions are opening their hands to enjoy unique advantages. Now they know how to build their relationship better than ever. They’ve come with exciting solutions for the business. Ultimately, such paired activity helps to make a bridge between the bank and the community.

Picture: Synctera


To manage your money and take loans without any issues or questions, Coastal Community Bank could be your ultimate choice. We tried to dig out the negative review about this community bank. But we were surprised.

Every client of this bank is highly satisfied. They said that this bank ensures a friendly banking environment that they wanted all the time. Their service lets them experience better banking. This bank understands how badly we need to manage our accounts. It becomes a solution for us.

Even it becomes great financial assistance that can withstand all the time. Now it’s focused on delivering better services in the fastest way. For your daily banking, you can choose this bank without any hesitation.

First Volunteer Bank And FBD Holding Co. Announce Merger:

First Volunteer Bank.

Only a few banks have a clear mission to make customers their only assets and First Volunteer Bank is one of them. Customers are everything in the banking industry.

Without them, there is nothing to do. This bank takes this motto positively and they never lose focus from the customer. They know what a customer wants from a community bank. That’s why a friendly environment has been made by this bank.

Besides a better and friendly environment, it also focused on fulfilling every type of financial need of the local community. So, they remain attentive and take strategies based on the situation.

Now, they have announced to merge with FBD Holding Co. This merge is for a better future. Let’s know more about it from below.

first volunteer bank
Picture: First Volunteer Bank

What Is the First Volunteer Bank?

In 1904, First Volunteer Bank was established in Chattanooga, Tennessee. But this 100-year-old bank doesn’t make itself rich in assets.

Right now it’s handling assets totaling $952 million and deposits totaling $840 million. That means, this financial institute is tagged as a medium-sized bank in this region. But they cover every service that is above average.

They offer live chat features and make them reachable in different ways. Using mobile applications or the web, you can also reach their customer service representative and ask what you need to know. With a variety of products, they are still doing their best for the customer.

Start your online banking -first volunteer bank
Picture: Start your online banking

What Is The Current Assets and Liability Position?

Assets and liability positions give a clear idea about the financial health of a bank. For this bank, we made a chart. Take a look at it.

FDIC InsuredYes
FDIC Certificate# 10307
Date Established1904
Assets$1276.29 Million
Loans$808.17 Million
Deposits$1133.12 Million
Capital$135.26 Million

What Are The Types of Product Does It Offer?

A community bank like this one is full of different financial products. Here is the list of their products.

Personal Banking

Personal Checking:

  • Beyond Checking
  • Personal Interest Checking
  • Heritage Checking
  • Budget Checking

Personal Savings:

  • Personal Savings
  • Moola Savings
  • Health Savings
  • Money Market Savings
  • Investment Savings

Personal Loans:

  • Home Equity Lines of Credit
  • Auto Loans
  • Credit Cards
  • Personal Lines of Credit
  • Express Loans

Personal Mortgage:

  • Purchase Home
  • Refinance Home

CDs & IRAs

  • IRA
  • Simplified Employee Pension
  • Simple IRA
  • CoverdII Education Savings

Business Banking

Business & Commercial Checking:

  • Business Checking
  • Commercial Checking

Business & Commercial Loans:

  • Construction Loans
  • Commercial Real Estate
  • Small Business Loans
  • Equipment Loans
  • Working Capital
  • Lines of Credit


What Is The Rate of The Product?

Based on the rate, you can identify which product will be best for you. All the rates are given below.

Savings and Money Market Rates:

Money Market0.03%$100$9,998
Money Market0.03%$9,999$24,998
Money Market0.08%$24,999$49,998
Premium Money Market Account0.03%$1,000$99,999

CD Rates:

6 Mo CD0.35%$1,000$99,999
6 Mo CD0.35%$100,000$250,000
12 Mo CD0.40%$1,000$99,999
12 Mo CD0.40%$100,000$250,000
18 Mo CD0.30%$1,000$99,999
18 Mo CD0.30%$100,000$250,000
24 Mo CD0.25%$1,000$99,999
24 Mo CD0.25%$100,000$250,000
36 Mo CD0.25%$1,000$99,999
36 Mo CD0.25%$100,000$250,000
48 Mo CD0.25%$1,000$99,999
48 Mo CD0.25%$100,000$250,000
60 Mo CD0.25%$1,000$99,999
60 Mo CD0.25%$100,000$249,999

Int Checking Rates:

Int Ckg0.02%$100$0

Comparison (First Volunteer Bank vs. Others):

Notable RatesAPYVs. Others
1 Year CD0.40%0.70%
2 Year CD0.25%0.75%
5Year CD0.25%1.15%
30 Year MortgageN/A2.72%
15 Year MortgageN/A2.36%

How First Volunteer Bank Ensures Service Quality?

When we focus on the overall service quality of this bank, it seems they are doing better. For that, they have 24 branches in Georgia and Tennessee. That means, if you live in these regions, it becomes easy to get in-person service.

But for the consumers who are not able to keep in touch physically, this bank introduced a mobile app and web app. This method becomes popular to manage the money more efficiently from every corner of the country.

They even have a live chat facility that amazed us. Only a few banks have such features to offer to their customers. That means, they can provide helpful service.

Picture: Great team is the pillar of success
Picture: Great team is the pillar of success

What about the Merger Agreement?

As you know, the First Volunteer Corporation and FBD holding company recently announced an agreement for merging. It’s one kind of acquisition. After getting approval from the board of directors of both companies, the merger agreement came to light. But still, there is some obligation.

The agreement is still an ongoing process because it is subject to both regulatory approvals and shareholders. They have given a specific time for it and that is the fourth quarter of 2021.

The President of First Bank’s said that “this merger is more valuable to them because now they can share the community banking philosophy of the two banks.”

They also believe this combination of idea and strategy will give a better result. This result will bring more opportunities and innovation on financial products and services for the community.

With the same level of dedication, customers can experience a better banking environment under a single roof. This merger agreement gets another name and that is a win-win agreement.

Picture: Merging is a great strategy
Picture: Merging is a great strategy


To get an enhanced banking experience, First Volunteer Bank is the ultimate choice. Because of their dedication, they are going to be a successful financial institution in the near future.

For that, they strategized like a merger with another institute. Such steps make them more aggressive in offering innovative and best banking services.

Comparing their product line, rate, and returns, and other features, this bank has shown a higher level of performance. Consumers love to get such opportunities to manage their accounts with this bank.

On top of that, their community-based banking service philosophy works best and this philosophy takes them forward for many years.

Plumas Bank Awarded The Prestigious Raymond James Bankers Cup For The 4th Time:

pulmas bank

To provide the best and innovative financial services to its valued client, Plumas Bank is the best option in the USA. After the establishment, this bank grew fast by making its customers happy with a better banking experience.

To do that, it offers different types of products and services. Not only that, they are appreciated by many other organizations as well. Because of dedication and hard work, this bank was awarded the Raymond James Bankers Cup for the 4th time. Yes, it’s true.

But this success did not come in a single day. They served the best they could. Keep reading, you can discover more information below.

What Is Plumas Bank?

Plumas Bank was founded in 1980. This new bank is successfully dealing with customers by offering different financial services and products. Its headquarters are in Quincy, California. This is the best place in the USA for banking. With assets totaling $745 million and deposits totaling $663 million, this bank is still able to manage its road to success.

They are specialized in different banking services like savings accounts, checking accounts, money market accounts, CDs, IRAs, and credit cards. These products are the basic service that we want from a community bank.

Management thinks that, without better service and valued clients, it’s not possible to make a successful journey in the banking industry. So, they took it as a challenge and they succeeded.

Picture: Plumas Bank

Assets and Liability Status:

As a successful community bank, Plumas Bank showed its progress in both assets and liabilities. Take a look below for that chart where we mentioned their overall financial health.

ParticularsQ1 2021Q1 2020
Assets$1.21 B$878.8 MM
Loans$722.4 MM$619.5 MM
Deposits$1.07 B$763.2 MM
Equity Capital$110.4 MM$99.5 MM
Loan Loss Allowance$10.0 MM$ 7.8 MM
Unbacked Noncurrent Loans$3.8 MM$2.3 MM
Real Estate Owned$580.00 K$707.00 K

What Are The Popular Products of This Bank?

Most of the products this bank offer are essential for daily banking. These products also come with the best rate and returns. Here is the list of their financial products and services.

Personal Banking

  • Deposit Accounts
  • Online Banking Services
  • Loans
  • Card Services

Business Banking

  • Business Loan
  • Online Banking Services
  • Checking Accounts
  • Savings Accounts
  • Remote Deposits
  • Credit Card Processing
  • Card Services


  • Wealth Transfer
  • Inheritance Planning
  • College Savings Planning
  • Retirement Planning
  • Life Insurance Planning
  • Traditional Investment (Stock, Bonds, Mutual Funds, Annuities)
Business Debit Card
Picture: Business Debit Card

Read More: The Merger Between Sevier County Bank And SmartFinancial, Inc.

What Are The Rate of the Products?

Offering the best product for the consumers is not the last thing to make the services successful. These are also related to other elements like the rate. Here is the rate of the most popular services and products of this bank are given below.

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account0.1% APY$1
Checking Account0.05% APY$1
Certificates of Deposit12 Month: 0.50% APY24 Month: 0.65% APY36 Month: 0.75% APY48 Month: 0.85% APY$500 for all terms
Money Market Accounts0.1% APY 0.15% APY$10000 $15000

After getting a chart like this one for the rate for the product, you’ll easily understand which product will be best for you. They have several deposit options but not every option is suitable for you.

Pick that one that fits with your financial need and ensures the highest return. To manage your money, rates play a vital role.

You might need to look for another bank if these products, as well as the rate, are not suitable for you. But, we found all the rates are comparatively fair for daily banking.


It doesn’t matter, the product is best in rate or not if the fees are high. The good news is, this bank keeps the rate of the fees extremely low for their valued customers.

After comparison, we found that in some cases their fees are equal to the national average but in most cases, they are lower than that. They don’t charge any monthly fee that is good for hassle-free banking.

They don’t charge for using non-of-network ATMs. On top of that, their overdraft fee is also $0 where the national average is almost $35. See, in almost every aspect, the charges are minimized.

ParticularsAmountNational Average
Monthly Fee$0$3.21
Non-network ATM FeeN/A$1.20
Overdraft FeeN/A$35.00

What about the Raymond James Bankers Cup?

For the 4th straight year, Plumas Bank as well the holding company of this bank Plumas Bancorp was awarded the prestigious Raymond James Bankers Cup. This is their fourth consecutive year of success.

Not only that, this bank also gets recognition for the third-best community bank in 2020. This success indicates the profitability of a bank. After evaluation of the operational efficiencies and balance sheet, this award was given by the authority.

It’s a great honor for them that also motivates the team to become more dedicated to ensure better and innovative service for their customer in near future.

Plumas Bank reported for record earnings
Picture: Plumas Bank reported for record earnings

Overall Service Quality of Plumas Bank:

This bank only has 13 branches that are also located in California and Nevada. Despite having regional limitations, especially for the branch, this bank somehow manages to keep their client happy all the time.

The reason we found behind it, is its superior customer service, variety of products, low rate, and high return, and most importantly the freedom to manage the account.

Picture: Good to go with online and mobile banking

Its mobile application and web apps make the job easy for the client to manage and control their account with ease. Now they can send or receive money, check account status, pay bills, download statements, and many more.

Let’s see how many ratings they have got in different criteria for the service.

Overall Mobile Rating3.0/5
Consumer Satisfaction Rating5.0/5
Online Banking PortalNo
Live ChatNo

Read More: Can You Do Backdoor Roth IRA Every Year?


As one of the best performing community banks, Plumas bank wins everyone’s heart in this decade. Their achievement makes them more aggressive to offer more innovative products and services for their beloved community.

As you see, their rates are low but the returns are high. Even they make the charge option nil for many services. They have a mobile app, online banking facility to reach them in a minute. They know which product we’re looking for.

They’ve designed their strategy for the product in such a way where we can fit our financial needs with it. Finally, for better banking, this bank is not only a good but also a friendly option as well.

The Partnership Between North Easton Savings Bank And The Habitat For Humanity of Greater Plymouth


One bank in the USA is always trying to meet the personal and business financial needs of the local community and that is North Easton Savings Bank. They are committed to serving the community, especially in southeastern Massachusetts. 

For community banking, its rate is better than everything. To meet the goal they set the standard for excellence in financial service. Not only that, they are still working to offer more innovative banking. That’s how it becomes an ultimate solution for those who need to fit different financial needs.

We appreciate their team management. They have dedication, love, and show professionalism for banking. Let’s know the growing story of this bank in this review.

North Easton Savings Bank
Picture: North Easton Savings Bank

What Is North Easton Savings Bank?

In 1864, North Easton Savings bank was founded. Now they are operating as a community bank in different locations. But its headquarters is in South Easton, Massachusetts.

As one of the oldest banks, this one has assets totaling assets of $545 million and deposits totaling $495. They still have scope to develop their activity in many sectors but this medium-size bank loves to deal with customers.

You’ll find mobile apps and web apps to make banking easy for everyone. Their product variety and offers are perfect including savings accounts, checking accounts, money market accounts, CDs, and IRAs for daily banking. This bank monitors its rates and services as well.

Homepage of NESB
Picture: Homepage of NESB


Here is more information is given below on this bank:

Company size51-200 employees
HeadquartersSouth Easton, Massachusetts
TypePrivately Held
SpecialtiesCommercial Loans, Mortgages, Deposits, and Full-service Banking

Assets and Liabilities:

There are some differences we’ve found in the assets and liabilities status of this bank after comparing between the 1st quarter of 2021 and 1st quarter of 2020 and here it is.

ParticularsQ1 2021Q1 2020
Assets$1.33 B$1.14 B
Loans$855.9 MM$831.2 MM
Deposits$1.19 B$968.7 MM
Equity Capital$125.1 MM$112.7 MM
Loans Loss Allowance$5.1 MM$4.3 MM
Unbacked Noncurrent Loans$$1.9 MM$2.2 MM
Real Estate Owned$0$0
Branch of NESB
Picture: Branch of NESB

What Are The Product Types of NESB?

Products of this bank are for both personal and business banking. Here is the list of currently offered products.

Personal Banking

  • NESB Checking
  • Online Mobile Banking
  • Savings & CDs
  • Investment Service

Personal Lending:

  • Home Mortgage
  • Home Equity Line of Credit (HELOC)
  • Home Equity Loans
  • Home Improvements Loans
  • Personal Loans

Business Banking

  • Checking Accounts
  • Online and Mobile Banking
  • Savings
  • Money Market
  • CDs
  • Mutual Shares for Non-Profit

Business Lending:

  • Business Loans
  • Commercial Real Estate Loans
  • Mutual Growth
  • PPP Loan Resources

Read More: How Big Is Texas Bank And Trust Compared To Other Banks?

What Are The Rates of The Product?

Product rate reflects how best or worst the product will fit with personal financial needs. So, this chart will be clear about the rate of the product of this bank.

Savings and Money Market:

Money Market0.10%$2500$2999
Money Market0.10%$10,000$14,999
Money Market0.10%$25,000$29,999

CD Rates:

6 Mo CD0.50%$10,000$14,999
6 Mo CD0.50%$100,000$199,999
12 Mo CD0.35%$10,000$14,999
12 Mo CD0.35%$100,000$199,999
18 Mo CD0.55%$10,000$14,999
18 Mo CD0.55%$100,000$199,999
24 Mo CD0.60%$10,000$14,999
24 Mo CD0.60%$100,000$199,999
48 Mo CD0.75%$10,000$14,999
48 Mo CD0.75%$100,000$199,999

Checking Rates:

Now Checking0.05%$400$5.00

For the savings accounts, money market accounts, checking accounts, and CDs the rate is highly competitive with other banks. But there are options for you to choose which product, including the rate will be best for you. Now you can easily compare the rate with the national average. This method will help you to get a decision for your financial product.

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Comparison of Popular Accounts At This bank

 Let’s compare the rates of a few popular products of this bank with different media.

APYAccount TypeHow They Compare
1.50%Reward Checking0.03% – Citi Citi Priority
0.40%Reward Savings0.64% – National Average
0.25%1 Year CD0.55% – Ponce Bank 13 Month High Yield CD
National Average vs. North Easton Savings
Picture: National Average vs. North Easton Savings

Rating For Services:

After reviewing every detail and performance of this bank, we rated this bank in different categories.

  • Rates (3.0/5)
  • Fees (4.3/5)
  • Service Quality (3.5/5)
  • Financial Health (4.95)

Key Highlights:

  • Low Fees
  • Mobile Apps
  • Multiple Banking Products


After a comparison with the national average, fees of this bank are lower than in almost every product. This bank is perfect for the people. If you love to use ATMs all the time, then this bank is for you.

It charges a minimal amount for out-of-network ATM fees and that is $1.50. This amount is reasonable for ATM users.

Besides, the overdraft fee is $35.00. This amount is still considerable for minimizing. It doesn’t refund any amount, especially the out-of-network ATM fees. Here is the comparison of the fees with the national average.

ParticularAmountNational Average
Monthly Fee$0$3.21
Non-network ATM Fee$1.50$1.20
Overdraft Fee$35.00$35.00

Overall Service Quality:

With 10 branches, North Easton Savings Bank is desperately trying to reach its customers and increase the service. Clients can use its mobile app and web app to manage their money as well as communicate with customer service.

Using such an application, you can easily transfer your money, show statements, check current account status, pay bills, and many more. For these types of the flexibility of services, this bank receives an excellent consumer satisfaction score.

Here is the rating for the service quality:

  • Overall Mobile Rating (3.2/5)
  • Consumer Satisfaction Rating (5.0/5)
  • Online Banking Portal (No)
  • Live Chat (No)
Use the mobile app
Picture: Use the mobile app


In every aspect, North Easton Savings Bank overcomes all the obstacles that make the road to success. Their rates, fees, and service quality are best and that strategy is loved by all the customers of the local community.

Maybe there is still some scope to improve services but we found they are best in the banking business. After comparison with other banks of the same category, this one could be your bank for daily banking.

If you are thinking of an option for a flexible banking service that also offers a high return on your money then this bank is the option.

How Gorham Savings Bank LaunchPad Competition Drives Innovation:

gorham savings bank

Gorham Savings Bank cares about the community and loves its customers. They do it by being good in financial service. Management of this bank knows what is the exact point of putting their energy and resources into the community to become successful.

As a result, this bank is now another name of innovation. It makes a difference in banking services. From personal banking to business banking, they’ve come with different products.

All these products are essential to fit our needs in daily banking. Keep reading because we’ve more things to discuss it

Gorham Savings Bank
Picture: Gorham Savings Bank

Read More: How To Refinance Your Investment Home With Woori American Bank?

What Is Gorham Savings Bank?

With $1 billion in assets and $846 million in deposits, one bank provides the best bank service. Yes, we are talking about Gorham Savings Bank that started its banking journey in 1868.

Because of their yearly turnover, assets, deposits, and liabilities, this bank is treated as a medium-sized bank in the USA. Its headquarters is in Gorham, Maine.

They always believe customers are everything for them. That’s why they have live chat features, online banking, mobile banking, websites, and many more.

For the phenomenal services, everyone can easily manage their relation and account with this bank.

 Branch of GSB
Picture: Branch of GSB

Assets and Liability Status:

This bank passed another successful year in the banking business. We can see the result in their assets and liability chart and here it is.

ParticularsQ1 2021Q1 2020
Assets$1.43 B$1.25 B
Loans$1.09 B$978.0 MM
Deposits$1.26 B1.03 B
Equity Capital$129.7 MM$120.8 MM
Loan Loss Allowance$12.0 MM$9.4 MM
Unbacked Noncurrent Loans$12.8 MM$10.6 MM
Real Estate Owned$0$200.00 K

Product Types:

Every bank has some common and some different products to offer to their clients. This bank has a long list of such types of products. Take a quick look at them.

Personal Banking

  • Open Account Online
  • Checking


  • CDs & IRAs
  • Credit Cards
  • Home Equity Line of Credit
  • First-Time Home Buyer Program
  • Mortgages
  • Other Loan
Invest & Protect:
  • Investment & Wealth Management
  • Guided Wealth Portfolios
  • Insurance           
  • Online & Mobile banking
  • Video Teller Machines
  • Switching is Easy
Business Banking
  • Checking
  • Savings
  • CDs & IRAs
  • Workplace Banking
  • Business Lending Team
  • Business Loans
  • Working Capital Lines of Credit
  • Accounts Receivable Financing
  • Cash Management
  • Merchant Services
  • Online Payments & Invoicing
  • Payroll Services
  • Retirement Plans
  • Insurance
  • Online & Mobile Banking

Read More: 7 Reasons Why Passumpsic Bank Is One of The Best Banks In Vermont

What Are The Popular Accounts At This Bank?

If you want to know what are the popular accounts and how deposit accounts get paid, then this table is for you.

APYAccount TypeHow They Compare
0.05%Reward Checking1.48% – National Average
0.25%5 Year CD0.69% – National Average
0.10%1 Year CD0.55% – Ponce Bank 13 Month High-Yield CD
National Average Vs. Gorham Savings
National Average Vs. Gorham Savings

What Are The Rate of Products?

Every product of the financial institution is related to rates. There is no exception for this bank as well. They have different rates for their offered product. In this table, we showed popular types of the product along with the current terms and rates.

ProductCurrent Terms and RatesMinimum Balance for APY
Statement Savings Account0.05% APY$25
Certificates of Deposit12 Month: 0.10% APY24 Month: 0.20% APY36 Month: 0.20% APY48 Month: 0.25% APY60 Month: 0.25% APY$500 for all tiers
Money Market Accounts10K tier: 0.10% APY25K tier: 0.10% APY$25
Checking Accounts0.05% APY$25

Savings accounts, CDs, Money Market Accounts, checking accounts, come with different terms and rates that let you manage your money in a better way.

We suggest you compare the rate with the national average, to decide to choose a product of this bank.

Comparison of Savings, CDs, and Mortgage Rate:

The most popular financial products of this bank are lower than the national average. But we still feel the necessity of comparing the rate with others and the result is given below.

Notable RatesAPYVs. Others
1 Year CD0.25%0.70%
2 Year CD0.35%0.75%
5 Year CD0.50%1.15%
30 Year Mortgage4.29%2.72%
15 Year Mortgage3.69%2.36%

Pros and Cons:

After deep research, we found a few pros and cons of Gorham Savings Bank.


  • ATM fees refunded
  • No monthly fees


  • Less competitive interest rates

What About The GSB LaunchPad Competition?

Like every other successful year, GSB announces another Launchpad competition and the name of its finalist. This will be their 8th annual LaunchPad small business competition.

Only five among 150 applications are allowed to submit a 60-second pitch video. Finalists can get the Emerging Business Award. In the final judgment, there is a panel of three judges. The price amount is $50000 from the Gorham Savings Bank.

For the year 2021, the names of the finalists are

  • bluShift Aerospace
  • C. Love Cookie Project
  • Marin Skincare
  • Prapela
  • The Cubby

The judge of this panel brought three key insights.

  • The first one is, the business models that are shown in the competition are as diverse as ever.
  • Second, Maine is the best gourd for innovation for those who believe in sustainability and technology.
  • Last, everything should be creative. These three insights are the key that becomes an inspiration for winning the Business Agility Award.


For daily banking, Gorham Savings Bank is a tremendous option for the local community. We were surprised by how they support local farmers and agribusiness.

Their imagination, plan for banking, and support system is best to make everyone happy. Every type of customer can get access to all types of financial products and services that this bank offers.

One thing for sure, this bank is not going to give you typical customer service. This bank is for everyone and it’s a great option if you need money. You just need to fit your needs with their product. That’s all for you. You’ll get your fund in less time.

Why Clinton National Bank Is The Bank of Choice For Area Farmers?


Some banks show extraordinary performance for both individual and business customers and Clinton National Bank is one of them. Their wide range of services with dedication makes them the most successful bank over there.

From cash management to financial consultation, everything is possible to get from this bank. Consumers of this bank feel very happy all the time. But the best side we’ve found on this bank is, it supports farmers through their agriculture loans.

That’s why we tried to get more information about it and we succeeded. Below we’ve shared every detail about it that we’ve found after deep research.

Clinton National bank
Picture: Clinton National bank

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About The Clinton National Bank

As one of the oldest financial institutions, this bank was founded in May 1865. At first, they were focused on offering banking services based in Clinton, Iowa. This is the place where we found the headquarters of this bank.

According to the Federal Deposit Insurance Corporation record, this bank is fully functional as a commercial bank and its FDIC insured. They have a total of 9 branches over the region.

Based on its capital and activity, it becomes the 29th largest bank in Iowa. For the necessary transfer, direct deposits, and bill payment, this bank made itself best. Here is the most basic information about this bank.

Bank Profile NameThe Clinton National Bank
Bank’s Headquarters235 Sixth Avenue, South Clinton, Iowa 52732
EstablishedMay 1, 1865
Become FDIC InsuredJan 1, 1934
Number of Branches9
Online Banking Websitewww.clintonnational.com
Websites are full of information
Picture: Websites are full of information

What Are The Products This Bank Offers?

We were amazed after reviewing the product list of this bank. There is not only a variety of products but also the rate as well. Take a quick look at their available financial products and support.

Personal Banking:

  • Online Banking
  • Mobile Banking
  • Checking Accounts
  • Savings Accounts
  • Phone Banking
  • Consumer’s Loan
  • Mortgage Center
  • Debit & Credit Card

Business Banking:

  • Business Online Banking
  • Checking Accounts
  • Business/Merchant Services
  • Commercial Loans
  • Agricultural Loans
 Make your transaction easier
Picture: Make your transaction easier

Active Hours of Clinton National Bank:

Not every day this bank gives your services, especially in-person service. They have some specific dates and times as opening and closing hours.

Monday:10:00 AM – 5:00 PM
Tuesday10:00 AM – 5:00 PM
Wednesday10:00 AM – 5:00 PM
Thursday10:00 AM – 5:00 PM
Friday10:00 AM – 5:00 PM

Bank Fees For Financial Product:

This bank minimizes the charges in many ways. Below you can find it.

ParticularsFeesNational Average
Monthly InactivityN/A$6
Non-Sufficient Fund (Overdraft)N/A$30
Stop Payment ItemN/A$27
Domestic Wire Transfer  (Outbound)N/A$22
Domestic Wire Transfer (Inbound)N/A$10
Non-Bank ATMN/A$1

What Types of Support Does It Offer For Local Farms & Agribusiness?

This bank decentralized its motto to provide banking services. As a result, we saw that their financial product line is not for a specific region or community. They serve their service for everyone.

Even it supports local firms and agribusiness as well. This bank is committed to doing its best for the farmers. They assist farmers to purchase livestock, feed, grain, machinery, equipment, and many more that are related to this profession.

Agriculture loans
Picture: Agriculture loans

If a farmer needs to purchase more than that or refinance something special for his professionalism, then this bank also assists with that. Here are some examples are given below related to financial services.

USDA Preferred Lender

Under this section, longer-term financing options are available. It’s attractive to the farmers only for one single benefit and that is fixed asset purchases.

Read More: The Importance of Monte Carlo Simulation in Finances

Revolving Line of Credit

Only a few products of this bank offer convenient access to needed funds. Revolving Line of Credit is one of these that is only for agribusiness. This loan is easily arranged even with a phone call. For any single day, this fund is available but they only need to pay interest.

Secondary Market Sources

Another good side is, this bank also offers a long-term fixed-rate product. It is possible because of the access to secondary market sources. To fit your borrowing needs in the best way this bank does what they need to do with these secondary market sources.

What Is The Best Part For The Mortgage Loan of This Bank?

Only a few banks can approve loans or mortgage appraisals online in minutes and this bank is one of these. It’s not only best for fixed-rate conventional mortgage approval but also helps you to close your mortgage quickly as well. So here are the steps to follow.

  • Go to their website and look for the mortgage center. After opening the page, click on apply now.
  • It’s time to fill up the application by providing necessary information as required.
  • If you complete the application, then submit it by clicking ‘Submit’. You’ll see all the provided information.
  • You’re done with the application. Now the lender will follow up on your application and give you feedback within 1 or 2 business days.

So what type of mortgages and loans can we get? Based on your need, you can get Fixed Rate Conventional Mortgages, Home Equity Line of Credit, Home Equity Loans, Other Conventional Loans, Investment Property Loans, VA Loans, FHA Loans, USDA Rural Housing Loans, and Construction Loans.

What Is Today’s Rate?

Rates always vary based on current banking activity, rules, and regulations. Here is the chart for different rates for different products.

Conventional Fixed-Rate:
30 Year Fixed Rate3.250%3.333%
20-year Fixed Rate3.000%3.116%
15 Year Fixed Rate2.500%2.647%
Home Equity Fixed-Rate:
Home Equity Loan – 1st Mortgage (IA)4.50054.517%
Home Equity Loan – 2nd Mortgage (IA)5.500%5.518%
Home Equity Line of Credit:
Home Equity Line of Credit (IA)4.000%4.000%


From deposit to online service, everywhere the Clinton National Bank makes a remarkable score. To provide financial services, our expert tried to compare the services of this bank with other banks that are successful in the banking business. But this bank is a phenomenal choice for everyone.

Even their customer service and the way to reach clients are better than the best. It doesn’t matter which type of client you are, this bank won’t make you frustrated.

They have a wide range of services and one of their services will suit your needs. Even for agribusiness, this bank becomes the ultimate way to solve your financial problem.

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