COVID-19 Coronavirus Update

All of our branches are fully open. Please note that per Executive Order 2020-147 from Governor Whitmer, face coverings are required to enter our branches, unless under the age of 5 or with a medical exemption.

When visiting a branch please keep the following in mind:

Per the Executive Order, we must limit the number of people in our buildings to maintain social distancing. If we are at capacity, you may be asked to wait outside or in your vehicle.

We require that you wear a mask. Although we encourage you to bring your own, if you do not have access to one, a disposable one can be provided upon request. We will be wearing a mask, too.

We are working diligently to lower exposure to risks by making available hand sanitizers, protective shields at desks and teller windows and providing a fresh pen for you to keep with each visit. 

The remainder of our branches will continue to welcome customers by appointment only. This is due to the number of reported COVID-19 cases surrounding those locations. If you have an appointment, we ask that you take the same measures as above when conducting an appointment.

To make an appointment please call (866) 372-1275

We are grateful for your cooperation in complying with the safeguards we have put in place for customers and our valued team members.

We look forward to welcoming you back for those needs that require a visit inside! If your business can be handled in the drive-thru, at an ATM or using our remote services we encourage you to do so. Again, we are making every effort to allow you to bank in ways that are most comfortable to you.

We have many alternatives to in-person banking to meet your needs including:

  • Telephone banking
  • Mortgage/Commercial Loan Officers/Cash Management Representatives are available by phone or email
  • Night Drop Services
  • Branch ATMs or one of over 43,000 ATMs nationwide
  • Online Banking, Mobile Banking, Mobile Deposits and Person-to-person Transfers (POP MONEY)
  • Drive-thru service

We understand that times of uncertainty raise questions. Our team is committed to creating opportunities for you to have access to information related to general banking, remote banking options, branch access, cyber hygiene and local resources for consumer and business needs. For your convenience this information will be compiled in one place and updated regularly here: fsb.bank/covid-19.

What hasn’t changed? Our commitment to you. With over 100 years of banking experience right here in our community we assure you that our relationship with you is on the forefront of our minds.

Covid-19 Related Loan Payment Assistance

If you anticipate or are experiencing a financial hardship that will impact your ability to stay current on any First State Bank loan payment, we are here to help. For those eligible, we urge you to apply for the programs listed below. If they do not seem to fit your need, we may be able to offer solutions or assistance that can help your get through these difficult times. It is best not to wait for a missed payment – call as soon as possible to discuss your options.

Here’s how to reach out to start the conversation:

  • Residential Mortgage, Home Equity Loan/Lines of Credit, Personal, Recreational, Auto Loans:  For borrowers experiencing COVID-19 related hardships we may be able to defer up to three months of payments. Please take the following steps to ensure your request is reviewed as quickly as possible:

  • Commercial Loans:

    The SBA released its initial Paycheck Protection Program (PPP) Loan Forgiveness Application (“Application”) on May 15, 2020 based on the original 8-week covered period. As a result of legislation signed by the President on June 5, 2020, a revised version of the Application will be released soon by the SBA. The revised Application extends the covered period to 24 weeks and increases to 40% the amount of non-payroll expenses that may be included in the forgiveness calculation. 

    At this time, we are accepting Applications based on the original 8-week covered period. We will provide instructions on the updated Application which will cover a 24-week period as soon as it is released by the SBA.   Click here to begin the application process.

     

    Other hardship related inquiries or concerns? Contact your Loan Officer:

    Alfred A. DeFlaviis - (586) 445-6615
    John Guarini - (313) 737-8333
    Gabe Makhlouf - (810) 333-3300
    Vito Pianello - (586) 675-7054
    Brad Quail - (586) 873-8314
    Linda Reetz-Kahl - (586)918-3184
    Sue Sadowski - (586) 291-1627
    Brett Sanford - (586) 863-2888

If we are unable to take your call please leave a message and be sure to include detailed information on how to reach you. Please allow up to 48 business hours for a return call, as the number of inquiries may increase.

Credit Card Support

For assistance with your First State Bank Credit Card (issued by Elan Financial Services), please reach out to Cardmember Services at the phone number on the back of your credit card. During this time, they will:

  • Prevent assessment of Late Fees (Consumer and Business)

  • Prevent assessment of Overlimit Fees (Business)

  • Fulfill requests for copies of statements

  • Process rush card requests

  • Prevent an account from moving to penalty pricing (Business)

Contact us

If you have a specific concern or need, as always, we welcome you to reach out to our team 24/7 using our Call Center (866) 372-1275.

We have many options to serve you virtually including:

DRIVE THRU or ATM:

  • Deposits (Check and Cash)

  • Withdrawals

  • Transfers

  • Account Inquiries

  • Night Drop Service

Plus, the ALLPOINT network is free for FSB customers at over 43,000 locations nationwide. Visit our website to find a location.

Online Banking Services Features:

  • Transfers

  • Account Inquiries

Mobile App Features:

  • Mobile Check Deposits

  • Transfers (including person-to-person)

  • Account Inquiries

FSB.bank:


Telephone Banking:
(888) 775-2265, available 24/7

  • Transfers

  • Account Inquiries

We’re here to help and, as always, welcome you to reach us at your convenience using our 24/7 Customer Service line: (866) 372-1275.

Covid-19 Related Loan Payment Assistance

If you anticipate or are experiencing a financial hardship that will impact your ability to stay current on any First State Bank loan payment, we are here to help. For those eligible, we urge you to apply for the programs listed below. If they do not seem to fit your need, we may be able to offer solutions or assistance that can help your get through these difficult times. It is best not to wait for a missed payment – call as soon as possible to discuss your options.

Here’s how to reach out to start the conversation:

  • Residential Mortgage, Home Equity Loan/Lines of Credit, Personal, Recreational, Auto Loans:  For borrowers experiencing COVID-19 related hardships we may be able to defer up to three months of payments. Please take the following steps to ensure your request is reviewed as quickly as possible:

  • Commercial Loans: 

    The U.S. Small Business Administration (SBA) has announced that additional funding has been approved for the Paycheck Protection Program.

    First State Bank has been working diligently to process all applications submitted between April 3 – 8, 2020. If your loan application did not receive a decision from the SBA during the first round of funding, your application has remained “Active” and our team is working as quickly as possible to submit these applications. If additional information is required as a result of the update to the Program, a lender will contact you.

    Please note that program funding remains limited. Given the volume of applications submitted to First State Bank, as well as other lenders across the country, it’s likely that not every qualified applicant will receive funding under the PPP. We will not be accepting additional applications at this time as we focus our resources on the applications submitted between April 3 – 8.

    We will also continue to post updates on our website as new information becomes available. Thank you for your patience.

     

    Other hardship related inquiries or concerns? Contact your Loan Officer:

    Alfred A. DeFlaviis - (586) 445-6615
    John Guarini - (313) 737-8333
    Gabe Makhlouf - (810) 333-3300
    Vito Pianello - (586) 675-7054
    Brad Quail - (586) 873-8314
    Linda Reetz-Kahl - (586)918-3184
    Sue Sadowski - (586) 291-1627
    Brett Sanford - (586) 863-2888

If we are unable to take your call please leave a message and be sure to include detailed information on how to reach you. Please allow up to 48 business hours for a return call, as the number of inquiries may increase.

SBA Paycheck Protection Program

The SBA released its initial Loan Forgiveness Application (“Application”) on May 15, 2020 based on the original 8-week covered period. As a result of legislation signed by the President on June 5, 2020, a revised version of the Application will be released soon by the SBA. The revised Application extends the covered period to 24 weeks and increases to 40% the amount of non-payroll expenses that may be included in the forgiveness calculation. 

At this time, we are accepting Applications based on the original 8-week covered period. We will provide instructions on the updated Application which will cover a 24-week period as soon as it is released by the SBA.   Click here to begin the application process.

 

Frequently Asked Questions: Paycheck Protection Program

Can I still apply through First State Bank?

As of 4.8.2020, we suspended the taking of any new applications for customers and non- customers. For applications that were submitted prior to the suspension please note that we are giving priority to current First State Bank Customers in the application process. If you are considering applying and are currently banking with another financial institution that is taking applications for this program, we recommend you apply with your current institution.

How long will it take to process my application?

Due to high demand for this program, wait times for communication from a lender are longer than are typical. We are giving priority to current First State Bank Customers in the application process. The bank is working diligently to process all the applications as quickly as possible. We are unable to provide a timeline due to the volume of applications both we and the SBA are processing at this time.

How will I know my application is processed?

Applications are each assigned to a lender for review. The assigned lender will then reach out to you directly if they have questions or need additional information regarding their application. If there is nothing needed they may not need to contact you until a decision has been made on your request. When your application has been fully processed, a lender will contact you with a decision and to go over next-steps.

How long will it take to hear something from the bank or a lender?

Again, as a courtesy, we will send a confirmation email within 1-2 business days of your application to verify that your request has reached us.  Due to the unprecedented response to this program, we cannot provide a standard timeline for which you can expect your application to be processed.  We are working diligently to help as many area businesses as possible during these unprecedented times. We thank you in advance for your patience and for choosing First State Bank.

 

Wayne County Back to Work Small Business Grants

Local small businesses will have access to $50 million to help with offsetting COVID-19 related expenses under a program proposed by Wayne County Executive Warren C. Evans. The application period will be from June 29 – July 10, 2020. Awards will be based on needs of the business and will not exceed $10,000.

Learn more about eligibility and application here. 


Community grants for small businesses affected by COVID-19

In a news release on March 25, 2020, Macomb County Planning and Economic Development announced plans to distribute community grants for small businesses affected by COVID-19. County to use $800,000 in MEDC grants and up to $100,000 in matching funds from First State Bank. As a result, Macomb County awarded grants to 148 businesses.

See the full news release here.

 

Covid-19 Related Loan Payment Assistance

If you anticipate or are experiencing a financial hardship that will impact your ability to stay current on any First State Bank loan payment, we are here to help. We urge you to call as soon as possible so we can work with you. We may be able to offer solutions or assistance that can help your get through these difficult times. It is best not to wait for a missed payment call.

Contact the Loan Officer on your Account

  • Alfred A. DeFlaviis - (586) 445-6615

  • John Guarini - (313) 737-8333

  • Gabe Makhlouf - (810) 333-3300

  • Vito Pianello - (586) 675-7054

  • Brad Quail - (586) 873-8314

  • Linda Reetz-Kahl - (586)918-3184

  • Sue Sadowski - (586) 291-1627

  • Brett Sanford - (586) 863-2888

If we are unable to take your call please leave a message and be sure to include detailed information on how to reach you. Please allow up to 48 business hours for a return call, as the number of inquiries may increase.

Brush up on your financial know-how - at home!

Now's a great time to visit our Financial Resource Center. From budgeting to savings to buying a home and more, we have free, short modules you can watch to help you learn more about your finances!

Learn at home with Banker Jr.

Looking for creative, affordable and educational ways to help keep your kids entertained? We are proud to offer Banker Jr., a free downloadable app that is safe for all ages and teaches simple money concepts. This fun educational app that teaches kids good saving and spending habits, encourages giving to others and provides math skills practice.

 

 

Sign up for Credit Sense.

Stay on top of your credit for FREE with Credit Sense, available in Online Banking and in the Mobile Banking app. With Credit Sense, you get your latest credit score and report, and an understanding of the key factors that impact the score. Log in to Online Banking to enroll!

 

Cyber Hygiene Tips for Online and Mobile Channels:

Be sure to be diligent and practice safe cyber hygiene to avoid falling victim to scammers. The Federal Trade Commission has tips to protect yourself from possible coronavirus-related scams.

Basic Reminders:

  • Make sure your anti-virus and anti-malware software is current.

  • Do not click on links or attachments from unknown sources.

  • Watch out for bogus claims for vaccinations or cures.

  • Be cautious of websites asking for donations.

Macomb County Small Business Sustainability Program

Our team at FSB cares about the health of local businesses. If your Macomb County Business could use a boost – there is $20 Million in grant funds available! Here is a quick overview of details:

Businesses across all industries that have been impacted by COVID-19 are eligible for $5,000 in assistance. Applications are being accepted from June 11 through June 24 at 11:59 p.m. For more information, visit the Macomb County website.

A complete application must include:

  • A signed W-9  - Must be signed and dated within 12 months

  • Recent utility bill (within the last 6 months) that lists the business address.  This can be a rent/lease/mortgage payment, water, gas, electric, or phone bill. The address must match the location you are submitting for a grant

  • Signed and dated Affidavit

Who is Eligible:

To be eligible for this grant, Macomb County businesses must meet the following criteria:

  • Must have a physical location in Macomb County (office/building/store front)

  • Have 49 employees or less

  • Must be a for-profit organization

  • Not a publicly traded company.  Priority will be given to businesses that are independently owned and operated

  • Business must have been in business for at least 12 months

  • Business must showcase a verifiable need for working capital to support payroll expenses, rent, mortgage payments, utility expenses, and/or other similar expenses that occur in the ordinary course of business

  • Businesses must have a valid Employer Identification Number (EIN)

  • Business must be able to verify they have experienced a loss in revenue or business due to the COVID-19 pandemic


In Support of Small Businesses: Macomb is Open

Now more than ever we need to be conscious about supporting small businesses in the communities in which we live and work.

Our friends at Macomb County Chamber, Sterling Heights Regional Chamber, Anchor Bay Chamber of Commerce and the Greater Washington-Romeo Chamber have partnered to create a campaign called Macomb is Open.  This is a county-wide campaign created to help promote businesses in Macomb County that remain open during these unprecedented times.

Locate businesses, including restaurants, that are open, or if you would like to add your business to the list, visit: https://macombcountychamber.com/covid-19-resources/macomb-is-open/

COVID-19 Related Resources for Businesses: