Welcome Customers of The State Bank

HOW DO I LOGIN TO ONLINE BANKING FOR THE FIRST TIME?

On March 17 - Online Banking becomes effective: login at choiceone.bank

• User name for Personal and Business Accounts will remain the same.
• Personal Accounts = password will be last 4 digits of SSN.
• Small Business Accounts = password will be last 4 digits of tax ID number.
• Treasury Platform = will receive an email to log in instructions.

POST LOGIN TO DO LIST:

• Review your Dashboard to verify all of your accounts have transitioned
  to ChoiceOne. Your Dashboard can be customized, add/remove “cards” through the organized dashboard button, change the order of those cards, and more. You can also click on Accounts to see the information.
• Review Transfers - if you have any scheduled transfers set up on your account please review them for accuracy.
• Review Bill Pay - if you have any scheduled payments set up on your account please review them for accuracy.

HAVE QUESTIONS ABOUT YOUR ONLINE ACCOUNT?

• Get locked out? Don’t see all of your accounts? Need to activate your debit card? Or just have questions? Click on the secure message center (question mark at the bottom-right corner of your window) for options on contacting Customer Service while you’re still logged in. Or contact our Customer Service Center at 888.775.6687.

WILL I USE THE SAME DEBIT CARD?

• Prior to merger, new ChoiceOne Mastercard® debit cards will be issued to customers with a new debit card number. Activate and begin using your new debit card starting on March 17, 2025.
  • To activate a new card or change the PIN on an existing card, call 800.290.7893
  • To report a lost or stolen card, please contact our Customer Service Center at 888.775.6687
  • Use your debit card to pay recurring payments, we recommend updating this information with merchants to avoid delays in payments
  • Remember, you can easily freeze your card through our Online Banking portal, or in the ChoiceOne mobile app

WHEN CAN I START USING CHOICEONE ATMS?

• Starting March 17, 2025, you may use ChoiceOne ATM’s.

WILL MY CREDIT CARDS CHANGE?

• Your current credit cards will continue to work.

CHANGES TO ACH TRANSACTIONS?

• Your Automated Clearing House (ACH) activity, such as direct deposits and automatic payments already posting to your account, will be received and processed as it is today. For any new ACH, you will need to use the ChoiceOne routing number 072408436.

WILL MY SAFE DEPOSIT BOX CHANGE?

• Your current safe deposit box will remain the same.

WILL MY CERTIFICATES OF DEPOSIT CHANGE?

• The terms of your existing Certificates of Deposit (CD) will remain in effect.

WHAT IS THE NAME OF THE MERGED FINANCIAL INSTITUTION?

• The name will be ChoiceOne Bank. You can expect to see signs change from The State Bank to ChoiceOne Bank.

WHERE WILL I SIGN ONTO ONLINE BANKING?

• Effective March 17, 2025, you will login at choiceone.bank. You can continue using your current online banking with The State Bank until March 14, 2025 at 3:00 PM.

WHAT IS THE NEW ROUTING NUMBER?

• The new routing number will be 072408436. The State Bank routing number will continue to work.

WILL THE DATE MY STATEMENT IS PREPARED CHANGE?

• Going forward, your statement date will remain the same and be the last business day of the month. This applies to paper and eStatements.

WILL I NEED NEW CHECKS?

• You may continue to use your current checks. When you are running low, please order your checks directly through one of our branches or on the phone at 888.775.6687 to ensure that all your information is up to date and correct. If you choose to order checks through a third party, please verify your information with us first.

IS THE BANK FDIC INSURED?

• Yes, the coverage on your accounts will not change. For more information on FDIC insurance, please visit fdic.gov.

DO I NEED TO CONTACT MY INSURANCE AGENT?

• Yes, if you have a loan you will need to contact your insurance agent to have them update the lien holder to ChoiceOne Bank. 
  • Mail updated documents to
    ChoiceOne Bank, P.O. Box 186
    Sparta, MI 49345

WHAT IF MY PAYMENT IS COMING FROM ANOTHER FINANCIAL INSTITUTION?

• Payments set up for automatic withdrawals from another financial institution will continue to be made with no intervention.

WILL THE RATE ON MY LOAN CHANGE?

• No, the rate on your fixed rate loan will not change.

WILL MY LOANS AUTOMATICALLY BE AVAILABLE IN ONLINE BANKING?

• Yes, if they are currently on your Online Banking account. If for some reason you do not see your loans in Online Banking, please contact our Customer Service Center at 888.775.6687.

WILL MY LOAN PAYMENTS VIA AUTOMATIC FUNDS TRANSFER CHANGE?

• If you are currently making payments via automatic funds transfer, you will see no change. Your payments will continue to be taken out as scheduled until your loan is paid in full. Please check your accounts to verify everything converted successfully.

WILL MY LOAN NUMBER CHANGE?

• You will receive a separate communication if your loan number changes.

DO I NEED TO CONTACT MY INSURANCE AGENT?

• Yes, if you have a mortgage or home equity loan you will need to have them update the mortgagee clause to ChoiceOne Bank, ISAOA.
  • Mail updated documents to
    ChoiceOne Bank, P.O. Box 186
    Sparta, MI 49345

WHAT WILL HAPPEN WITH MY ESCROW ACCOUNTS?

• All escrow accounts will transfer and will not require any action on your part.

WHERE DO I MAIL MY LOAN PAYMENT?

• Mail all loan payments to ChoiceOne Bank, P.O. Box 186, Sparta, MI 49345.

WILL I CONTINUE TO GET COMBINED STATEMENTS FOR MY LOANS?

• If you receive combined statements for your loans, they will be sent separately following March 17, 2025.

WILL MY PAYMENTS VIA AUTOMATIC FUNDS TRANSFER CHANGE?

• If you are currently making payments via automatic funds transfer, you will see no change. Your payments will continue to be taken out as scheduled until your loan is paid in full. Please check your accounts to verify everything converted successfully.

WILL MY HELOC AND LOANS AUTOMATICALLY BE AVAILABLE IN ONLINE BANKING?

• Yes, if they are currently on your Online Banking account. If for some reason you do not see your loans in Online Banking, please contact customer service for assistance. Customer Service Center at 888.775.6687.

WILL I RECEIVE NEW HELOC CHECKS?

• Yes, you will receive new HELOC checks.

WILL MY MORTGAGE OR HELOC PAYMENT DUE DATES CHANGE?

• Your mortgage payment due date will not change. HELOC payments will be due between the 19th and 21st of each month.

WILL MY HELOC STATEMENT DATE CHANGE?

• HELOC statements will be sent on the last business day of each month.

NOTICE OF SERVICING TRANSFER

• If The State Bank services your mortgage loan it will be transferred to ChoiceOne Bank effective March 17, 2025. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. ChoiceOne Bank will begin collecting your payments effective March 17, 2025.
  • The State Bank will stop accepting payments from you after March 14, 2025.
    • Send all payments due on or after March 17, 2025 to
      ChoiceOne Bank, P.O. Box 186
      Sparta, MI 49345
• If you have any questions for either your present servicer (The State Bank) or your new servicer (ChoiceOne Bank) about your mortgage loan or this transfer, please contact them using the information that follows:
  
  • Current Servicer: 
    • The State Bank
      175 N. Leroy St
      Fenton, MI 48430
      Toll Free: 800.535.0517
      Local: 810.629.2263
  • New Servicer:
    • ChoiceOne Bank
      109 E Division
      Sparta, MI 49345
      Toll Free: 888.775.6687
      Local: 616.887.7366