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Every situation is different although once we have all of the information needed for underwriting the applicant may expect a preliminary response within two-weeks. The process varies by loan request size and final processing can usually be completed within six-weeks. This requires approval by the bank’s loan committee or by its board of directors.

A good place to start includes three-years business federal income tax return copies or CPA prepared financial statements for the company and three-years FIT returns for any individual that owns 20-percent or more of the company. We also ask for personal financial statement(s) for those > 20-percent owners and company accounts receivable, accounts payable and inventory listings. When you are starting a new enterprise (yes, we consider start-ups) we won’t expect historic company financials although well-explained 24 –month projections and a business plan will help. I send new entrepreneurs to the SBA’s website for business plan assistance and to the Michigan Small Business Development Center (michigansbdc.org).

We have assisted restaurants, real estate developments, hospitality programs, sporting venues and more! Contact-us today!

Yes, Chelsea State Bank ATMs offer accessible services.

Each Chelsea State Bank Branch offers ATM Services. In addition to our Branch ATM Locations, we subscribe to the Allpoint ATM Network – where our customers receive complimentary access to over 50,000 ATMs Worldwide. Visit https://www.allpointnetwork.com/locator, type in your location to find the nearest ATM.

Call 1 (800) 290-7893 to activate/set-up your PIN

Either come into a branch and let us know or call us. We can go ahead and cancel the old card and re-order new ones that generally ships within 5-10 business days or could be expedited for an additional fee. If you have online banking, you can visit card management services in online banking and turn off the card.

Mobile deposits post to the account the business day after we receive them. It might be good to highlight here that in banking Saturday and Monday are the same business day meaning if you made a mobile deposit during business hours on Saturday, they shouldn’t expect to see it in their account until Tuesday.

Yes, Chelsea State Bank Customers have access to Zelle P2P Services.

Our Regular Checking Account and CSB Interest Checking Accounts come with a complimentary debit card. *Debit cards are subject to credit approval

Checkbooks have a re-order slip in the back of their checkbooks. Customers can fill out the re-order slip and drop off at the branch, or, customers call us to request a new check order.

Yes, Chelsea State Bank Customers have access to Zelle P2P Services.

Our Regular Checking Account and CSB Interest Checking Accounts come with a complimentary debit card. *Debit cards are subject to credit approval