OSB Helps to Protect Your Holiday Purchases (including Cell Phones!)

Are you considering making a significant purchase such as a new cell phone this holiday season? If so, you’ll want to know more about how you can protect your investments with OSB’s buyer’s Debit Advantage Buyer’s Protection ProgramTM and Extended Warranty2 program.

Plus, if you are buying a the cell phone, check out the details below about our Cellular Telephone Protection Program2 included with OSB’s Advantage Checking and Advantage+ Checking accounts.

Protect Purchases with OSB’s Debit Advantage Buyer’s ProtectionTM and Extended Warranty2

OSB’s Debit Advantage Buyer’s Protection gives you peace of mind by providing 90 days of coverage for the accidental breakage, fire or theft of items that are purchased entirely with an eligible Advantage Checking or Advantage+ Checking.

OSB’s Extended Warranty benefit extends a U.S.  manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with eligible account.)

Learn How the OSB Cellular Telephone Protection2 Program Works

If you are an Advantage Checking account holder, you are eligible to receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. The Cellular Telephone Protection program covers the first three phones on a cellular telephone bill paid through your checking account. Your cellular telephone bill must be paid through this account. There is a maximum of two claims per year.

Cellular Telephone Protection increases to $400 and covers up to 4 phones for Advantage+ Checking account holders.   
OSB Gives You Peace of Mind While You Shop this Holiday Season

More than just a checking account, Advantage Checking or Advantage+ Checking accounts can help you reduce the risks associated with the theft, loss or breakage of your purchases, including new cell phones, all year long. Both of these accounts come with many other benefits, which are summarized here.

Visit your local OSB branch today to open your account and get peace of mind while you do your holiday shopping.

Some benefits require registration and activation. For complete details of this checking account, speak with an OSB representative.”
 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  
 2IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). 
IDProtect included with Advantage Plus Checking is also available to account owners’ eligible family members. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. 
Advantage / Advantage Plus Checking accounts are not available to businesses, clubs, organizations and/or churches and their members, schools and their employees/students.
3Credit file monitoring may take several days to begin following activation.
 Insurance Products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.

Strategies to Make Your Home Key to Your Success in 2018

Enjoy this “Closing Thoughts” guest post from OSB’s Mortgage Lender, Kacie Eberenz (NMLS# 1458409). Looking for mortgage loan advice to help you purchase real estate in Michigan’s  Lenawee, Jackson and Washtenaw Counties? Contact Kacie today!

The old saying, “Home is where the heart is,” still holds true for many of us; but did you know that with the following organizational strategies, your home can also be key to your success? Whether you are looking to buy a new home, or maybe refinance or spruce up an existing one, these tips from Marie Kondo’s best-selling book, The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing can help you create an environment to support greater success in the year ahead:

Tackle categories instead of rooms in your home. One of Kondo’s key strategies is to tidy things up by category instead of room by room. For example, start with your clothes, then move on to books, then photographs, etc. Doing so will allow you to have a feeling of accomplishment by getting one area done at a time—a strategy that you can use to tackle work projects and the items on your resolution or goal lists, too.

Respect your possessions. While it may seem a little odd at first, Kondo encourages people to consider how their physical items feel about how they are stored in their homes. For example, do clothes crammed into a messy closet look happy? Likely not—so use this “personalization” of your clothes and any other items to set things right, to weed out what you don’t need and to bring harmony to your environment.

Let go of the past. Just like hesitating to leave an old home for a new one, hesitating to part with sentimental “stuff” will only hold you back from the future.  As Kondo says in her book, nostalgia is not your friend when it comes to creating an environment that supports your success. Be selective in what physical memories you keep and get rid of those that don’t truly stir positive emotions.

Seek joy from your surroundings. According to Kondo, you should focus on keeping only the things that give you joy or are truly necessary. In short, when you organize your possessions you should discard anything that you don’t absolutely need or love. The same theory can be applied to the people, places and work that you do when you focus on creating more success in your life and career.

Applying Kondo’s strategies for organizing your home can help to make it key to your success. It will also help to create mental clarity about what you need to do to achieve your objectives. If buying a new home is one of your goals in 2018, an OSB mortgage can help clear the way to make it a reality. Contact Kacie Eberenz, Mortgage Lender/Lead Personal Banker (#1458409) at 517-592-3205. today to get your mortgage approval process started.

Use OSB’s $hopping Rewards Benefits to Make the Most of 2017 Black Friday and Cyber Monday Savings

Black Friday and Cyber Monday are just around the corner and if you’re an OSB Advantage Checking or Advantage+ Checking account holder, this year you may be able to stack your savings even higher to score lower prices using your $hopping RewardsTM benefits.

As a member of OSB’s $hopping Rewards program, you have access to exclusive offers and discounts at thousands of leading online retailers including these and many more:

  • Home Depot
  • Target
  • Macy’s
  • Best Buy
  • Banana Republic
  • Rockport
  • Nine West

Use OSB $hopping rewards for more 2017 Black Friday and Cyber Monday savings.

Once you complete the online registration for the $hopping Rewards program, all you need to do is shop your favorite retailers online using the customized shopping portal and you will receive cash back. Your cash back rewards will be held in your $hopping Rewards account to use toward future purchases or they can be conveniently sent to you as a check.

While you are making your 2017 Black Friday and Cyber Monday shopping plans, be sure to add registering online for $hopping Rewards to your list of must-dos. If you are not already an OSB Advantage Checking or Advantage+ Checking account holder, don’t delay opening your account! Visit your local OSB branch today to get your account in time to use the $hopping Rewards for Black Friday and Cyber Monday shopping.

Additional tips for shopping 2017 Black Friday and Cyber Monday sales.

In addition to using your $hopping Rewards to get the best deals, use these tips to make sure that your Black Friday and Cyber Monday bargain hunting is successful:

  • Create a holiday shopping plan prior to making purchases by researching deals in advance.
  • Screen all direct mail and email offers against your shopping list, so you buy only things you really need.
  • Be sure to check social media for exclusive deals, too.
  • Enlist a buddy if you need moral support to avoid unnecessary purchases.

If you are like many southeastern Michigan shoppers, you are planning to kick-off your holiday gift buying this Thanksgiving. Be sure to use your OSB $hopping Rewards to maximize your savings. If you have questions about OSB Advantage Checking or Advantage+ Checking accounts and the $hopping Rewards program please contact your local OSB branch.

Behind Every Successful Business Loan is a Great Customer Relationship

In celebration of National Small Business Week,our commercial lending team is sharing how OSB helps local small business owners find flexible financing so they can take advantage of new growth opportunities. John Spiedel, Senior Vice President of Commercial Lending at OSB shares his thoughts below.

“While many banks focus on solely the dollars and cents of a commercial loan transaction, at OSB we look beyond the numbers to learn about the amazing people who have a real passion for building our community.

True community bankers are intensely focused on their community, but they also recognize that a community is defined by people—not just by lines on a map. A perfect example of this philosophy in action is the relationship that OSB has formed with a mid-1980’s University of Michigan alumna who lives in California and has an extremely successful consulting business there. Even though she lives far away, she has always stayed connected to her hometown, Ann Arbor, including making investments in student rental properties in the city.

Recently, this customer decided to purchase additional student rental properties in Ann Arbor, but none of the other “local” banks wanted to lend to someone living outside of Michigan. She was referred to OSB by another local business owner (who has since become our customer as well). Instead of dismissing her request on a geographic basis, we looked deeper, taking the time to learn about her goals and to understand her keen business sense and conservative, disciplined nature. We also noted that she flew in each month to visit each of her Michigan investments in person. She was hardly an absentee owner, which made her an even better potential customer.

By working to understand not only the financial situation but the person behind the numbers as well, we saw that this scenario held not only manageable risk, but a great potential customer relationship. Her investments in property renovations have been carried out by local workers using materials bought locally. This customer’s satisfaction with OSB’s small business loans and our way of doing business is evident in her willingness to recommend us to her many other Ann Arbor business contacts. This is proof that behind every successful business loan is a great customer relationship.”

Achieve Your Goals with Smart CD Savings Strategies

An OSB certificate of deposit (CD) account is a great savings tool, providing the opportunity to earn interest and shelter your money. When used wisely, a certificate of deposit can save you in a financial pinch, or even fund your future. Here are two strategies for putting the financial power of a CD to work for you:
 
Consider using CDs for a “rainy day” fund

In a regular savings account, a “rainy day fund” can be too easily tapped for other things. To help you remain disciplined about saving, a certificate of deposit may be a better choice because your money is secured for a predetermined term and is off-limits.

Use your CD for financial goal setting

If you have a long-term financial goal, a CD is the perfect vehicle to be assigned to helping you realize it.  If you want to buy a house, for instance, you can put money into a CD and when it matures, you can roll it into another CD until your savings goals are met. Seeing that interest accumulate can help you stay motivated reach your goal!

OSB CDs also keep your money working in our local community, consider taking advantage of one today!

Why Community Banks are Different…in a Good Way!

All banks are the same, right? They’ve all got tellers and lenders, they cash checks and write loans, they have ATMs. They all do the same things, because they’re all the same—or are they?

It’s a fact: Community banks are different. Different…in a good way. For example, community banks do more than just cash checks:

They’re helping businesses grow.

U.S. Small Business Administration statistics show that small firms employ just over half of the private-sector workforce and created nearly two-thirds of nation’s net new jobs over the past decade and a half. Community banks are natural partners to small businesses because they understand them so well and are committed to their success. As such, the funding, expertise and opportunities small businesses receive from community banks helps them grow and keeps dollars in our community – making it an even greater place to live

They’re creating jobs.

Community banks employ more than 700,000 Americans across more than 52,000 locations nationwide, according to Independent Community Bankers of America (ICBA). In addition to their own employees, community banks help create employment locally by improving the economic infrastructure of the communities they serve and enabling businesses to get the financing they need to grow and add more employment opportunities.

They’re supporting the local economy.

ICBA statistics also show that community banks fund nearly 60% of small business loans under $1 million – reinvesting their deposit dollars back into their community. As a small business themselves, community banks are passionate about ensuring that the communities they share are thriving.

They’re helping local farmers.

Consistently the largest provider of agricultural credit, community banks provide $57 billion in agricultural loans (ICBA data). This comprises more than 70% of commercial agricultural loans in America.

They’re doing more than writing checks.

Communities banks, like OSB Community Bank (OSB) give back to the communities they serve, providing financial and in-kind support to organizations in their communities. Reinvesting back into the community is a central part of the community banking philosophy. OSB employees volunteer many hours to local community organizations – serving on boards for Hospice of Lenawee, Kiwanis, Cascades Humane Society, Jackson Enterprise and many more. Plus, our team is always ready to get involved in community events that foster stronger relationships.

They’re here for the long haul.

A community bank isn’t just another bank. Community banks are different and making a difference to the businesses, individuals and communities they serve. They strive to develop long-term relationships and are committed to supporting the local community through employment, reinvestment and volunteerism. Despite the uncertainty facing other financial institutions community banks are here for the long haul, so you can feel confident that working with (or for) a community bank is a decision you can feel good about over the long-term.

The Spirit of Community Banking

OSB
The OSB Team is proud to serve our community.

With Thanksgiving literally right around the corner, it’s the perfect opportunity to reflect on the abundance that we have in our lives and how we might make things better for those who are not as fortunate as we are.

Family, friends, having a means to make a living and being part of a caring community…these blessings are easily taken for granted in our fast-paced lives, yet for some people these things are out of reach. As a community bank, we strive to do what we can to help improve the opportunities available to those in the communities we serve during the holidays—and throughout the rest of the year.

This past year, we have proudly supported area schools and students through our back to school drive, the Dr. Fish scholarship awarded to Lenawee and Jackson County high school graduates, and additional financial support. We have also been fortunate to have many opportunities to work with a diverse group of community organizations and to participate in their fundraising efforts to make our community stronger.

Helping our local business community thrive is an integral part of OSB’s mission. Our Small Business Summits and Business After Hours events are key parts of our commitment to helping businesses succeed by providing education and networking opportunities. Our leadership team is also dedicated to making a difference in our community by lending their time and talents to local nonprofit organizations including HOPE Community Center, Hospice of Lenawee, Lenawee County Mission, and Cascades Humane Society.

OSB is thankful for the opportunity to serve the residents and businesses in our local area. We look forward to sharing the spirit of community banking during this holiday season and all year long and we encourage you to consider how you can make a difference, too.