Personal

Personal Banking with Commercial Bank

Safe, Secure & Sound Banking Since 1893.

High-quality service, safety, and security. Aren’t these things you should be able to expect from your bank?
We know keeping your money safe is important—after all, everyone works hard to earn their money, so why trust it with a bank that doesn’t even remember your name? 

Why Bank with Commercial Bank?

Choosing a trustworthy bank is a significant decision, and we don't take your decision to bank with us lightly. For over a century, Commercial Bank has been dedicated to providing a wide range of financial services and products to meet your personal and business banking needs while prioritizing community engagement. With the support of community members like you, Commercial Bank has earned a reputation as a trusted community bank in the state of Michigan since its establishment in 1893.

Personalized Service – At local banks, such as Commercial Bank, you can expect a personalized experience. We take the time to get to know you and your business, fostering strong customer relationships. We're an integral part of the community, and we genuinely care about helping your business grow, which, in turn, contributes to the community's growth.

Community Involvement – When you bank locally, you partner with a bank deeply committed to giving back to the community. Our staff and board of directors actively participate in volunteering and community events. You can learn more about our community involvement on our website.

Cutting-Edge Technology – Contrary to a common misconception, larger banks don't have a monopoly on advanced technology. Commercial Bank offers the same convenient technology as major banks, including ATMs, online banking, a mobile app, and more.

Our mission has always revolved around offering our customers the best products and services in mid-Michigan. Our primary focus is on providing you with stability and simplicity. If you're ready to make the switch to Commercial Bank, our switch kit page has all the information you need to get started, including guidance on transferring your direct deposits, automatic payments, and more. We're excited to welcome you to our family!

Commercial Bank is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits up to $250,000 per depositor, at each insured bank. To learn more about accounts that are covered and ownership categories the FDIC has available, visit FDIC: Federal Deposit Insurance Corporation.

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Checking Accounts

Our checking accounts are designed to fit your personal banking needs. Each one includes benefits such as a VISA® debit card, online banking with bill pay, and many other services, including special benefits on select checking accounts. Compare our checking accounts to decide which works best for your needs. Still need more information on our checking accounts? We’re happy to help!

Savings Accounts

At Commercial Bank, we offer savings accounts so you can save your money and get it back later, with interest added. Compare savings accounts to determine which one is right for you, from kids’ saving accounts to termed products to help you save for whatever comes your way.  

Personal Loans

Commercial Bank offers many loan solutions to help you finance your dream. From buying a home to home improvements and vehicles to RVs and dirtbikes to motorcycles, we are the financial leader you can trust. Let us help you decide which personal loan will fit your lifestyle.

Looking for business loans? We can help with those, too.

Health Savings Accounts

A Health Savings Account (HSA) is a tax-advantaged medical savings account designed to help individuals enrolled in high deductible health plans. With a Commercial Bank HSA, you can stop worrying about large hospital bills and start concentrating on your future.

CDs & IRAs

Add more interest to your life and more security to your investments with Certificates of Deposit and Individual Retirement Accounts (CDs and IRAs). Call us today for details—it's never too late to start saving!