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!  

Mercantile Bank interns Maddie Hugen and David Schroeder took on the task of creating a video that would give an overview of their experience at Mercantile Bank.  They collaborated with fellow Merc interns throughout Michigan to create this video showcasing their collective experience.

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                                                                                                                                                                     

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.

Beyond the Cubical

9
August 10, 2015 // Community, Culture

Article Written By: Cordell Zachery | Commercial Loan Operations Intern | Mercantile Bank of Michigan

As an incoming Senior at Grand Valley State University I’ve completed a variety of internships and worked a handful of jobs. As my undergraduate career is coming to an end, planning for post graduate life is now my top priority. Acing classes, making connections, and finding my niche within an organization are my main goals for my final year. This mindset is what steered me to Mercantile Bank.

Towards the end of my Junior year I came in contact with Don Williams a former member of Mercantile’s Board of Directors. With his guidance I interviewed with Mercantile Bank for a summer internship with the Commercial Loan Operations Department and shortly after I was offered the position.

From day one of the internship I knew that it was going to be different from my previous work experiences. The day was dedicated to training all of the interns where we learned about the bank’s values and structure, professional development skills, and went on a tour of the bank’s main branch. We even got to chat with the bank’s president!

The day after training I met the employees from the departments that I’d be working with. Each employee in the department was vibrant and welcoming. My supervisors really made me feel as though my task within the organization helped with the bank’s success. This feeling of actually making an impact as an intern is something that Mercantile Bank strongly values. Not once have I felt like a “cog in the machine”.

A unique part of Mercantile’s internship program is the experience outside of the office. Misti Stanton, Diversity & Inclusion Officer, makes it her duty to make sure that we not only develop connections within the bank but outside as well. In June Misti brought the interns to an event with the ADA called the “Father of The Year Awards” held at JW Marriot. During this event we were able to network with various professionals from Grand Rapids, learned a few pointers on dinner etiquette, and enjoyed a delicious 3 course meal. This is only one of the many professional events we’ve attended. Being around these professionals motivated me to attend numerous networking and skill building events around Grand Rapids and at every event I can say that I’ve made a connection with a new person.

Another facet of Mercantile that I didn’t expect to get from my internship was the openness of employees to be a mentor and a friend.  Whenever being around Don Williams he greets you with a warm smile and then gives you some tips or past experiences that contain a take away for you to use within your life. Also, I’ve been able to learn from departments other than mine as well. As an Advertising & PR major I was very interested in what the Marketing Department’s functions were. Monica Kreiger and Zach Roth both took time out of their day to meet with me. I learned about their strategies, use of social media, commercial making, and more.

As an intern here at Mercantile Bank I can truly say that I’ve had one of the best experiences as an up and coming professional in Grand Rapids. Within Mercantile’s mission statement it states that the organization maintains an “environment of growth and development” and I’ve seen that first hand.  Not only do I learn new things every day about the inner workings of Mercantile but I also improve daily on my professionalism and transferable skills that I can use in any field that I choose to go into. Here at Mercantile you have your best experiences outside of your cubical.

Mercantile Bank of Michigan Community Banking
We recently held the first Mercantile Bank Leadership camp featuring MSU and NFL quarterback Kirk Cousins.  These events were held in both Grand Rapids and Lansing where we were able to offer this amazing experience to local high school students.  Not only were they able to meet and talk with Kirk, but they also interacted with local community leaders, and professionals from all walks of life to share stories and gain leadership skills that will enable their future success.

 Each year Mercantile Bank hires some of the most talented local  students as interns in a variety of capacities and locations throughout the Bank.  We are very excited to have this great group of young  professionals working in area’s such as; Commercial Loans, Human Resources, Mortgage Department, and Accounting. We are pleased to provide these opportunities to all of these bright, ambitious young people and look forward to delivering an educational and meaningful experience for everyone.

 

Have you been dreaming about fun this summer on a new boat?  How about riding the trails on your own ATV? Or maybe it’s time to start looking for a new house?  We’ve got just the thing to make those dreams a reality!  With our dream loan rates you could get that new toy or move into that new house sooner than you think.  Call or stop by your local office today or visit http://www.mercbank.com for details on this limited time offer.

 Simplify your life by saving time, and reducing clutter by signing up for eStatements. They’re free and available on your checking, savings and loan accounts.  You can print and save your statements anytime, and with our enhanced security features, you can avoid having      sensitive financial information sent through standard mail.  They’re also environmentally friendly!  Click here to use our conservation  calculator to find out how much you can help the environment with simple steps like reducing your paper statements.   There are so many reasons to sign up for eStatements, and it’s simple and easy to get started.  Just visit our website for more information.

 

We are pleased to announce that Mercantile debit cards can now be added to Apple Pay!

Apple Pay will change how you pay with breakthrough contactless payment technology and unique security features built right into the devices you have with you every day. You can use your iPhone, Apple Watch, or iPad to pay in a simple, secure, and private way.  With Apple Pay you can use your iPhone 6 or Apple Watch to pay in hundreds of thousands of stores accepting contactless payments. You can also make purchases within participating apps on iPhone 6, iPad Air 2, and iPad mini 3.

For more information visit: https://www.apple.com/apple-pay/

 

 

Mercantile Bank is pleased to welcome our 2015 Summer Interns!

They are working in various capacities from Human Resources to Branch Support and IT. Interns are working in several locations throughout the Bank and we are very excited to have this great group of young professionals join us this summer!

In addition to offering these students real world experience and the opportunity to explore a potential career path in banking, internships are also a great way to increase professional networks and enhance their resumes. Investing in the next generation is an important part of strengthening the communities we serve.

 

 

junior achievement and mercantile bank of michigan

Article Written By: Bob Worthington | SVP, General Counsel & Risk Management Director | Mercantile Bank of Michigan

 

Entrepreneurship has been a trademark of the State of Michigan since its founding back in 1835.  The Fords, the Dows, the Kelloggs, the Meijers are just a few of the men and women who have contributed to our legacy of innovation and development.  But if history has taught us anything, it teaches that each generation must build upon the generation that came before it.

Junior Achievement has taken on the challenge of building the next generation of entrepreneurs and Mercantile Bank is proud to support them.  Junior Achievement’s volunteer-delivered, kindergarten-12th grade programs foster work-readiness, entrepreneurship and financial literacy skills, and use experiential learning to inspire students to dream big and reach their potential. With the help of more than 1,600 local volunteers, JA students develop the skills they need to experience the realities and opportunities of work and entrepreneurship in the 21st-century global marketplace.

Mercantile Bank believes the future is bright for the State of Michigan and it is organizations like Junior Achievement that are making it happen.  If you are interested in becoming a Junior Achievement volunteer sign up at www.juniorachievement.org.  We hope you will join us in building the next generation.

 

 

 

 

 

 

 

 

 

 

 

Article Written By:  Monica Kreiger| Marketing Team Leader | Mercantile Bank of Michigan

We are now mid-way through the 2nd year of our Giving Together Facebook Program and we have some exciting updates! This program has been a great way for us to give back to the communities we serve in an engaging way. Each quarter, non-profit organizations are able to submit a short application to be considered to compete for public votes via our Facebook page. At the end of a weeklong voting period, the organization with the most votes receives a $5,000 donation.  Not a bad way to end a week!

Since we started the program in January 2013, there have been over 16,000 votes cast and we have had six $5,000 recipients including 3 Mile Project, Restorers Inc., Arts in Motion, Family Futures, Conductive Learning Center, and our most recent recipient, The Geek Group. Each organization is unique and it has been such a treat visiting these groups and learning about what they do and the impact that they have on others.

Due to our recent expansion, as of July 2014, the program is opening up to include a much larger portion of Michigan. We are excited to be able to open up the program to reach a wider audience and to learn about organizations across the state making a difference in their communities. Applications are now being accepted through July 31 for third quarter. The organizations selected will be announced on our Facebook page on August 29 and voting will start on September 15.

For full details on the program, including application dates, voting periods, a list of Michigan counties included and full program rules, you can visit www.MercantileGivingTogether.com. Stay tuned to our Facebook page for updates!