FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Exciting news! The State Bank and ChoiceOne Bank are coming together to create an even stronger community banking experience for you. This merger brings together two banks with deep local roots, shared values, and a commitment to personalized service. While our name will change to ChoiceOne Bank, our dedication to you remains the same—offering the trusted relationships, financial expertise, and community focus you’ve always known.
To ensure a smooth transition, we’ve put together this Welcome Guide with everything you need to know, including key dates, answers to frequently asked questions, and important disclosures. Our goal is to make this process seamless, so you can continue banking with confidence.
Thank you for being a valued customer—we’re excited about this next chapter and look forward to serving you as ChoiceOne Bank!
The name will be ChoiceOne Bank. You can expect to see signs change from The State Bank to ChoiceOne Bank.
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.
The new routing number will be 072408436. The State Bank routing number will continue to work.
Going forward, your statement date will remain the same and be the last business day of the month. This applies to paper and eStatements.
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.
Yes, the coverage on your accounts will not change. For more information on FDIC insurance, please visit fdic.gov.
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.
Starting March 17, 2025, you may use ChoiceOne ATMs.
Your current credit cards will continue to work.
Your Automated Clearing House (ACH) activity, such as direct deposits and automatic payments already posting to your account, will be received and processed as they are today. For any new ACH, you will need to use the ChoiceOne routing number 072408436.
Your current safe deposit box will remain the same.
The terms of your existing certificates of deposit (CD) will remain in effect.
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
Payments set up for automatic withdrawals from another financial institution will continue to be made with no intervention.
No, the rate on your fixed rate loan will not change.
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.
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.
You will receive a separate communication if your loan number changes.
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
All escrow accounts will transfer and will not require any action on your part.
Mail all loan payments to:
ChoiceOne Bank
P.O. Box 186
Sparta, MI 49345
If you receive combined statements for your loans, they will be sent separately following March 17, 2025.
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.
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.
Yes, you will receive new HELOC checks.
Your mortgage payment due date will not change. HELOC payments will be due between the 19th and 21st of each month.
HELOC statements will be sent on the last business day of each month.
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
Under federal law, during the 60 day period following the effective date of the transfer of loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you.
*Based upon number of approved loans for the SBA fiscal years ending September 30, 2020, 2021, 2022 & 2023. Subject to credit approval.
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