What Can a Community Bank Do for You?

Posted by Bradley Ruhmann on Oct 13, 2021 11:42:00 AM
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If you’ve lived in Central Florida for any amount of time, then you know this area attracts a lot of people, from year-round residents and snowbirds to tourists. With so many people coming and going, there are a lot of businesses and organizations that come and go, too. Not every institution that establishes itself in the Sunshine State is going to become a permanent fixture. So, when you are shopping for a community bank to take care of your long-term needs and plans, you want to find one you can count on today and for years to come.

Where History Counts for Something
In 1929, the doors of Wauchula State Bank were opened for the first time. In 1932, J.W. Crews, Sr., acquired controlling interest in the bank, and he became bank president two years later. That was the beginning of what would become a multigenerational heritage of banking for the Crews family. More than 90 years later, the Crews Banking Corporation is in its fourth generation of family leadership.

What does this long history of a family-owned and -operated Florida bank mean for you? It means dedication to the community and the residents that we serve. It means a commitment to world-class service for each and every one of our customers, every time they interact with us. It means dependability as you move through different stages of life.

Personal Banking
Each of our personal checking and savings accounts features exclusive services for easily managing your income and expenses. Here’s a few of the services you can readily access to enhance your banking experience:

  • Online Banking with Bill Pay
  • Visa Debit Card with MobiMoney
  • Automated Telephone Banking
  • Mobile Banking and Mobile Check Deposit
  • Apple Pay
  • Person-to-Person Payment
  • Free unlimited check writing
  • Check images included with monthly statement
  • Overdraft protection coverage

For saving, you can open an interest-bearing account with only a $50 minimum opening deposit, and if you maintain a $300 minimum daily balance, you will avoid a $3 monthly maintenance fee. We also offer Money Market accounts and Certificates of Deposit with competitive interest rates.

Looking for a credit card? With our Visa cards, you can pay down balances faster, get maximum cash back, earn rewards, and begin building your credit history.

Business Banking
The Crews family of banks has been supporting local businesses for over 90 years. Being part of the business community, we understand your challenges and appreciate your hard work. After listening listen to you and learning about your business, we’ll offer options tailored to fit your unique needs.

Our business services include:

  • A variety of checking and savings accounts
  • Credit cards
  • Online and mobile banking
  • Automatic bill pay
  • Quicken and QuickBooks programs to help you manage your finances
  • AHC Origination
  • Business Express Deposit
  • Merchant Services
  • Positive Pay to protect you from fraudulent transactions


Loans
Each of our loan options offers flexible terms and a quick and easy application process guided by a friendly experience lender. Once again, being a part of the community, our lenders can tailor a loan to fit your needs:

  • Consumer loans for debt consolidation and buying that auto, boat or RV
  • Mortgages to make your home ownership dreams a reality
  • Home Equity Lines of Credit to pay off high-interest obligations, fund home improvement projects, or other needs
  • Commercial real estate loans for business owners to get started or expand their businesses
  • Business loans for equipment and vehicles, debt consolidation, working capital, and agriculture
  • Business lines of credit
  • Small Business Administration (SBA) Loans

All our loans come with personal service, quick turnaround and a variety of terms at competitive fixed and floating loan rates. Our lenders work with you to understand your individual needs.

Wealth Management Services
No matter what your personal or business goals may be, Wauchula State Bank has the financial management services you need, including:

  • Education planning
  • Building wealth
  • Mutual fundsTax-deferred annuities
  • Stocks and bonds
  • 401(k) rollover and IRAs
  • Retirement planning
  • Long-term care insurance
  • Life insurance
Wauchula State Bank is here for you from the time you are young and just starting out in life. Our checking and savings account plans are top-notch and will help you establish yourself in the financial world. Build your credit and manage your money easily and safely with our state-of-the-art online banking.

Whether you work a 9-to-5 job or set out on your own as an optimistic entrepreneur, Wauchula State Bank has options available to help you achieve every one of your goals. As a local community bank, our decisions on applications can be made much more quickly than at other banks. We want to get you started on your big plans, not tie you up with red tape and make you jump through hoops.

Throughout life, you’ll find many instances when having a financial institution you can trust is invaluable. Perhaps at no time is this truer than when you are ready for retirement. After a lifetime of diligence and responsible saving and investing, you need to know that your nest egg is safe. Explore your options with our retirement planners.

Our professional team of highly trained professionals is the best around and is committed to helping Hardee, Highlands, and Polk county residents reach their full potential.

Community Commitment
Wauchula State Bank has deep roots in the Central Florida community, and that’s something we hold dear and work to honor. Our success is entirely dependent on our customers and our community, and it is our mission to give back to this wonderful, welcoming community every chance we get. We sponsor a number of local organizations dedicated to serving the population in a variety of ways, including NU-HOPE Elder Care Services, Inc., Meals on Wheels, Hardee Help Center, as well as the local school districts and chambers of commerce.

In the world that we live in, it’s easy to get lost in a sea of information and become just another data point. At Wauchula State Bank, you can rest assured that we will never treat you like a mere consumer. We respect you and your dreams, and, with your permission and support, we will continue to strive for your financial health and success. After all, we wouldn’t be where we are today if it weren’t for you and the generations that came before you. We pledge to be here for you now and for generations to come.

Posted by Bradley Ruhmann

Brad Ruhmann, Marketing Director, oversees all marketing operations of the Crews holding company and its banks and develops its marketing strategy and vision. Being passionate for his profession and having great knowledge of all things marketing, he balances a practical mindset with a creative business acumen and leads people through complex marketing operations. Brad manages a team of enthusiastic marketing professionals and directs their marketing efforts, focusing on data-driven results.

Topics: Business, Online Banking, Savings, Loan Types, Community Bank