Bankofannarbor

The new way to finance business equipment via a 100% Digital process. Get direct access to our team for a smooth equipment finance experience. Click here to visit UniFi. Financing subject to credit approval and verification of financed asset. UniFi Equipment Finance, Inc is a wholly owned subsidiary of Bank of Ann Arbor and is not itself a bank ...

Bankofannarbor. Bank of Ann Arbor is an equal opportunity employer. Bank of Ann Arbor/UniFi provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disa bility status, genetics, protected veteran status, sexual …

This is a straightforward checking account with no activity limits. A $500 deposit opens your account. No maintenance fee if you maintain either a $600 minimum balance or a $1,200 average collected balance during the month or $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $9 maintenance fee is charged for that month.

View Molly Ransom's email address (m*****@boaa***.com) and phone number. Molly works at Bank Of Ann Arbor as Vice President, Portfolio Manager. Molly is based out of Birmingham, Michigan, United States and works in the Banking industry.BANK OF ANN ARBOR SWIFT Code Details. A SWIFT/BIC is an 8-11 character code that identifies your country, city, bank, and branch. Bank code A-Z 4 letters representing the bank. It usually looks like a shortened version of that bank's name. Country code A-Z 2 letters representing the country the bank is in. A $50 deposit opens your account. One-time enrollment fee of $12. Monthly maintenance fee is $4. Tiered interest rates. Free VISA CheckCard, Online Banking, Mobile Banking and BillPay. Take control of your healthcare spending with a health savings account to save for, manage, and pay for current and future healthcare costs. You can make one-time or recurring payments on your Bank of Ann Arbor Mortgage or other loans through our Payment Portal using an external funding source including a debit or credit card (fees apply). To make a payment using the Payment Portal: From the BOAA website menu, click “Personal”. In the Personal Loans section, choose “Make a ...Bank of Ann Arbor Stadium branch is located at 2204 West Stadium Boulevard, Ann Arbor, MI 48103 and has been serving Washtenaw county, Michigan for over 21 years. Get …Bank of Ann Arbor 2024 Holiday Schedule New Year's Day - Monday, January 1 Birthday of Martin Luther King, Jr. - Monday, January 15 Memorial Day - Monday, May 27 Juneteenth (observed) - Wednesday, June 19 Independence Day - Thursday, July 4 Labor Day - Monday, September 2 Veteran's Day - Monday, November 11 Thanksgiving Day - …Bank of Ann Arbor offers a variety of checking and saving accounts to meet a diverse range of personal needs. All include free online and mobile banking. Bank of Ann Arbor. Careers. Locations & Hours. For 24-hour telephone banking, call: 1.888.662.5001.

Bios of Bank of Ann Arbor's executive team. Skip to main content. For 24-hour telephone banking, call: 1.888.662.5001. Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852. GET IN TOUCH: Contact us; Office and ATM locations;View Sara Hoffman’s profile on LinkedIn, the world’s largest professional community. Sara has 1 job listed on their profile. See the complete profile on LinkedIn and discover Sara’s ...Mark joined Bank of Ann Arbor in 1999 as Administrative Vice President and CFO. He has over 30 years of financial administration experience after previously working for KeyBank and Ann Arbor Commerce Bank. In his role, Mark oversees all financial reporting and budgeting, investments, human resources, and shareholder accounting. Mark earned a ...It’s an Ann Arbor agency. The Bank of Ann Arbor Marketing campaign in a nutshell. “We can’t help you do X local thing, but we can help you do Y thing that literally any other bank provides.”. If you want to highlight local interests, there are so many other, meaningful ways to make that message.Contact. Patrick Tamblyn. Senior VP & Private Banking Manager. Office: 734.327.0087. Mobile: 734.474.3474. Bank of Ann Arbor is an Equal Opportunity Lender. Member FDIC. High-worth clients enjoy access to the entire bank through a single dedicated relationship manager who looks after every personal and business financial need.About University Bank. University Bank is an FDIC insured, locally owned and locally managed Community Bank primarily serving the cities of Ann Arbor and Ypsilanti of Washtenaw County, Michigan. The Community Banking operation focuses on local businesses, local residents, and non-profit organizations. Other Community Banking …Insurance rules and limits for a depositor's specific group of deposit accounts

Fri 9:00 AM - 5:00 PM. Sat 9:00 AM - 12:00 PM. (517) 546-3150. https://bankofannarbor.com. Founded in 1934, First National Bank is a full-service bank that offers a wide range of commercial and personal banking services. The bank has nine offices within the four communities it serves, all of which are located in Livingston … Bank of Ann Arbor helps you manage your money anytime, anywhere with Mobile Banking. This free app created especially for iPhones allows you to conveniently and securely check account balances, view recent transactions, transfer between Bank of Ann Arbor accounts and pay bills. There’s even a feature to locate the nearest Bank of Ann Arbor ... Bank of Ann Arbor 2024 Holiday Schedule New Year's Day - Monday, January 1 Birthday of Martin Luther King, Jr. - Monday, January 15 Memorial Day - Monday, May 27 Juneteenth (observed) - Wednesday, June 19 Independence Day - Thursday, July 4 Labor Day - Monday, September 2 Veteran's Day - Monday, November 11 Thanksgiving Day - Thursday, November ... Enrollment in Notifi alerts is quick and easy; Log into Online Banking at boaa.com and click on Alerts. From there you select the alerts you'd like to receive and how you'd like to receive them. Please visit any branch location or email [email protected] for more information about Notifi transaction alerts and for assistance in setting them up.

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Purchase Rate. 0% Intro APR for 12 months on purchases and balance transfers. After that, a variable 18.24% - 28.24% APR will apply.†. Overview. It is the mission of Bank of Ann Arbor to be a fair-minded, dynamic, growing, and sustainable community bank that is the premier financial institution within the markets it operates. It will be owned by individuals in its markets, managed locally, and responsive to the varied needs of its communities. The Bank will serve and partner ... Bank of Ann Arbor Stadium branch is located at 2204 West Stadium Boulevard, Ann Arbor, MI 48103 and has been serving Washtenaw county, Michigan for over 21 years. Get …At Bank of Ann Arbor, the health and well-being of our entire team will always be our top priority. In March, we enabled nearly 70% of our team members to work remotely and safely from home by providing new laptops and increased internet bandwidth. Meanwhile, our branch team provided uninterrupted banking services throughout theBANK OF ANN ARBOR SWIFT Code Details. A SWIFT/BIC is an 8-11 character code that identifies your country, city, bank, and branch. Bank code A-Z 4 letters representing the bank. It usually looks like a shortened version of that bank's name. Country code A-Z 2 letters representing the country the bank is in. Since his arrival he has served as the President and CEO of Arbor Bancorp, Inc. and Bank of Ann Arbor, a locally owned and operated full-service community bank with 16 locations serving Michiganders throughout southeast Michigan. The bank was founded in 1996 and has grown to over $3.3 billion in total assets. The trust and investment management ...

Bank of Ann Arbor General Information Description. Provider of retail and commercial banking services based in Ann Arbor, Michigan. The bank also offers CD's, auto and business loans, mobile deposits, mortgages, online banking, and …Bank of Ann Arbor partners with many providers for the administration, education, and investment selection of 401 (k) plans. Click on the link for your provider to access your account information. If you need assistance with a login id or password, please give us a call at 734.662.1600 or contact the toll free telephone numbers of the provider.RSSD ID 2390929 | CERTIFICATE 34120 | ABA NUMBER 72413735: 125 S 5th Ave: Quarter Ended : 2023-12-31: Ann Arbor, Michigan, 48104: Updated : 2024-01-31Bank of Ann Arbor’s Sonic Lunch is a free summer outdoor concert series happening at the corner of Liberty and Division in downtown Ann Arbor Thursdays @noon. top of page. HOME. ABOUT. 2023 LINEUP. VIDEOS. GALLERY. CONTACT. More. HOME. ABOUT. 2023 LINEUP. VIDEOS. GALLERY. CONTACT. More. HOME ... To report a lost or stolen Bank of Ann Arbor. VISA Debit card or ATM card, call 1.833.358.0103. VISA credit card, call 1.800.883.0131. After-Hours Debit Card Support - 1.833.358.0103. Free VISA Purchase Alerts. By 2002, Bank of Ann Arbor had opened three branches in Ann Arbor and launched our Trust Department, eBanking Department, and the Technology Industry Group. 2004 was an exceptional year, Tim Marshall was named President and CEO and despite the slowing economy, Bank of Ann Arbor's assets grew to $464 million with Trust Assets Under Management ... This is a straightforward checking account with no activity limits. A $500 deposit opens your account. No maintenance fee if you maintain either a $600 minimum balance or a $1,200 average collected balance during the month or $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $9 maintenance fee is charged for that month. View account statements and check images. Make same-day transfers up to 6:00pm. To use Online Banking, you will need an active Bank of Ann Arbor checking, savings, or certificate of deposit account, Internet connection and up- to-date browser software. You will also need the Personal PIN provided when you opened your account. Financial Highlights. Our annual and quarterly reports are available for review by downloading the documents noted below. If you have questions or need further financial information, our CFO Mark Slade (734.327.1136) will be happy to help you with that information. 2022 Annual Report to Shareholders.

Bank of Ann Arbor helps you manage your money anytime, anywhere with Mobile Banking. This free app created especially for iPhones allows you to conveniently and securely check account balances, view recent transactions, transfer between Bank of Ann Arbor accounts and pay bills. There’s even a feature to locate the nearest Bank of Ann Arbor ...

Find the address, phone number, hours and services of Bank of Ann Arbor Downtown Ann Arbor branch, a full service office in Michigan. Learn more about the bank's history, FDIC …View Molly Ransom's email address (m*****@boaa***.com) and phone number. Molly works at Bank Of Ann Arbor as Vice President, Portfolio Manager. Molly is based out of Birmingham, Michigan, United States and works in the Banking industry.Bank of Ann Arbor operates with 16 branches in 10 different cities and towns in the state of Michigan. The bank does not have any offices in other states. Locations with Bank of Ann Arbor offices are shown on the map below.Bank of Ann Arbor helps anytime, anywhere with Business Mobile Banking. Manage your accounts, deposit checks, and review/approve scheduled transactions, …View Molly Ransom's email address (m*****@boaa***.com) and phone number. Molly works at Bank Of Ann Arbor as Vice President, Portfolio Manager. Molly is based out of Birmingham, Michigan, United States and works in the Banking industry. For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852 Bank of America financial centers and ATMs in Ann Arbor are conveniently located near you. Find the nearest location to open a CD, deposit funds and more. How to locate the routing number on your checks: SWIFT/BIC: ANNAUS33. A SWIFT code, sometimes also called a BIC number, is a standard format for Business Identifier Codes (BIC). It’s used to identify banks and financial institutions globally. NMLS ID: 718852. Assigned by the Nationwide Multi-state Licensing System (NMLS), NMLS ID's help ... This is a straightforward checking account with no activity limits. A $500 deposit opens your account. No maintenance fee if you maintain either a $600 minimum balance or a $1,200 average collected balance during the month or $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $9 maintenance fee is charged for that month.

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For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852. GET IN TOUCH: Contact us; Office and ATM locations; HELPFUL LINKS:Bank of Ann Arbor is an equal opportunity employer. Bank of Ann Arbor/UniFi provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disa bility status, genetics, protected veteran status, sexual …Contact. Patrick Tamblyn. Senior VP & Private Banking Manager. Office: 734.327.0087. Mobile: 734.474.3474. Bank of Ann Arbor is an Equal Opportunity Lender. Member FDIC. High-worth clients enjoy access to the entire bank through a single dedicated relationship manager who looks after every personal and business financial need.Online Bill Pay. Pay and receive bills online with the nation's leading electronic payment provider, CheckFree. Fully integrated into our Online Banking, you can choose to pay …Bank of Ann Arbor is dedicated to helping small businesses succeed by providing commercial loans to your business. We offer the advantage of local decision-making combined with the knowledge of our experienced commercial lending team. Whether you need a business loan for capital equipment, real estate, cash flow, inventory or other …For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852 For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852 ANN ARBOR Area EVENTS. No matter the season, Ann Arbor celebrates life and culture with a wide array of world-class events. Art, theater, athletics, music, academics, history, and more—indulge all of your passions through our eclectic mix of small-town charm and energizing city life. Plan your visit any time of year and discover the special ...For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852. GET IN TOUCH: Contact us; Office and ATM locations; HELPFUL LINKS:Bank of Ann Arbor is a locally owned and operated bank with total assets and assets under management of approximately $2.2 billion, serving people and businesses in Washtenaw and western Wayne counties with offices at the corner of Fifth Avenue and Washington Street in downtown Ann Arbor, in the Traver Village Shopping Center, at the corner ofCompany Overview. Bank of Ann Arbor is a locally owned and operated bank. Headquarters: Ann Arbor , Michigan , United States , North America. Categories: Banking , Financial Services. Founded Date: ….

Your team at Bank of Ann Arbor takes great pride in growing revenue while keeping expenses down. 860% GROWTH IN STOCK PRICE IN 10 YEARS. At year-end 2019, shares of Bank of Ann Arbor were $80, up from $8.33 exactly 10 years earlier. That’s an 860% increase. ANNUAL DIVIDEND: NOW UP TO $1.10 PER SHARE. A $50 deposit opens your account. One-time enrollment fee of $12. Monthly maintenance fee is $4. Tiered interest rates. Free VISA CheckCard, Online Banking, Mobile Banking and BillPay. Take control of your healthcare spending with a health savings account to save for, manage, and pay for current and future healthcare costs. For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852Bank of Ann Arbor 2024 Holiday Schedule New Year's Day - Monday, January 1 Birthday of Martin Luther King, Jr. - Monday, January 15 Memorial Day - Monday, May 27 Juneteenth (observed) - Wednesday, June 19 Independence Day - Thursday, July 4 Labor Day - Monday, September 2 Veteran's Day - Monday, November 11 Thanksgiving Day - …Bank of Ann Arbor offers several CD and IRA options to help our customers with their longer-term savings goals. Skip to main content. For 24-hour telephone banking, call: 1.888.662.5001. Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852.Stock analysis for University Bancorp Inc/Ann Arbor MI (UNIB:OTC US) including stock price, stock chart, company news, key statistics, fundamentals and company profile.A $50 deposit opens your account. One-time enrollment fee of $12. Monthly maintenance fee is $4. Tiered interest rates. Free VISA CheckCard, Online Banking, Mobile Banking and BillPay. Take control of your healthcare spending with a health savings account to save for, manage, and pay for current and future healthcare costs.CheckFree Bill Pay allows businesses to do the following: Pay anyone. Add any person or company in the United States as a payee, and then make payments to those payees at your convenience. Receive your electronic billing statements online. Schedule reoccurring payments. Automatically make reoccurring payments, such as lease payments, at the ...The estimated total pay range for a Relationship Banker at Bank of Ann Arbor is $45K–$64K per year, which includes base salary and additional pay. The average Relationship Banker base salary at Bank of Ann Arbor is $49K per year. The average additional pay is $4K per year, which could include cash bonus, stock, commission, profit … Bankofannarbor, Bank of Ann Arbor has partnered with Greenlight to shine a light on the world of money for your kids. Through our partnership, your family gets access to Greenlight totally on us., Bank of Ann Arbor offers a variety of savings accounts to meet a diverse range of personal needs and savings goals. Skip to main content For 24-hour telephone banking, call: 1.888.662.5001, Who is Bank of Ann Arbor. Bank of Ann Arbor is a locally owned and operated bank,serving people and businesses in Southeast Michigan with offices at the corner of Fifth Aven ue and Washington Street in downtown Ann Arbor, in the Traver Village Shopping Center, at the corner of Stadium and Liberty streets, on West EllsworthRoad in …, Jan 26, 2024 · Download this app to check account balances, transfer money, pay bills and locate branches and ATMs. Read verified reviews and data safety information before installing. , For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852 , Erik joined Bank of Ann Arbor in June 2016 as the Executive Vice President and Manager of the Trust and Investment Management Group. He assumed the role of Birmingham Chief Lending Officer in September 2017. He became Chief Lending Officer of the Bank in April 2022. During his tenure at Manager of the Trust and Investment Department, Trust ..., RSSD ID 2390929 | CERTIFICATE 34120 | ABA NUMBER 72413735: 125 S 5th Ave: Quarter Ended : 2023-12-31: Ann Arbor, Michigan, 48104: Updated : 2024-01-31, For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852, Bank of Ann Arbor is a locally owned and operated bank with total assets over $2.5 billion and assets under management of more than $2 billion, serving people and businesses in southeast Michigan. Unifi Equipment Finance based in Ann Arbor has a national presence in the small ticket vendor leasing market., 7 reviews and 4 photos of Bank of Ann Arbor "While I am not a customer of this bank I went in to ask for a donation when I was doing a fundraiser for cancer research last spring. I spoke to the branch manager Hans Meier. He was very welcoming and said he would try to help me out. The branch ended up donating $100 to my cause (the ONLY Ann Arbor …, Bank of Ann Arbor is a locally owned and operated bank with total assets and assets under management of over $3.3 billion, serving people and businesses throughout Washtenaw County, Livingston ..., Bank of Ann Arbor's steady asset growth is a testament to the success of our core beliefs and the deep relationships that we have built with our clients. We customize our team approach to meet your needs and risk tolerances. Our experienced staff is extremely well-versed in bringing solid tactical asset allocation and a total return approach to ... , See Bank of Ann Arbor salaries collected directly from employees and jobs on Indeed. Salary information comes from 6 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months., See Bank of Ann Arbor salaries collected directly from employees and jobs on Indeed. Salary information comes from 6 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months., Options and Resources. Bank of Ann Arbor was a dream to work with. Professional and prompt, they made what is usually a daunting process easy. Highly recommend using them for your financing needs. My lender was awesome. They made the process simple and efficient. Cannot say enough good things about Bank of Ann Arbor. - Matthew, …, Contact. Patrick Tamblyn. Senior VP & Private Banking Manager. Office: 734.327.0087. Mobile: 734.474.3474. High-worth clients enjoy access to the entire bank through a single dedicated relationship manager who looks after every personal and business financial need., Bank of Ann Arbor has partnered with Greenlight to shine a light on the world of money for your kids. Through our partnership, your family gets access to Greenlight totally on us., VP, Corporate AMRS Valuation Manager. Apr 2016 - Aug 2022 6 years 5 months. Troy, MI., Purchase Rate. 0% Intro APR for 12 months on purchases and balance transfers. After that, a variable 18.24% - 28.24% APR will apply.†., For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852 , Bios of Bank of Ann Arbor's executive team. Skip to main content. For 24-hour telephone banking, call: 1.888.662.5001. Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852. GET IN TOUCH: Contact us; Office and ATM locations;, Bank of Ann Arbor was established on Jan. 16, 1996. Headquartered in Ann Arbor, MI, it has assets in the amount of $1,095,190,000. Its customers are served from 7 locations. Deposits in Bank of Ann Arbor are insured by FDIC., An interest-earning account with a $1,000 minimum daily balance. Interest paid on a 5-tier rate structure. Includes: Free Smart One Checks, Free Cashier Checks and Money Orders. $10,000 minimum opening deposit. $1,000 monthly minimum account balance. $9 monthly service charge when minimum balance not met. , Options and Resources. Bank of Ann Arbor was a dream to work with. Professional and prompt, they made what is usually a daunting process easy. Highly recommend using them for your financing needs. My lender was awesome. They made the process simple and efficient. Cannot say enough good things about Bank of Ann Arbor. - Matthew, …, Our primary savings account features attractive interest rates. The higher your balance, the higher the interest rate on your money. No maintenance fee if you maintain a $100 minimum daily balance. Otherwise a $2 maintenance fee is charged each month. Interest is paid on a tiered rate structure. Interest rate and annual percentage yield may change. , The experienced trust advisors at Bank of Ann Arbor are ready to help you grow, protect and transfer the wealth you've spent a lifetime accumulating., For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852, To report a lost or stolen Bank of Ann Arbor. VISA Debit card or ATM card, call 1.833.358.0103. VISA credit card, call 1.800.883.0131. After-Hours Debit Card Support - 1.833.358.0103. Free VISA Purchase Alerts. , Overview. It is the mission of Bank of Ann Arbor to be a fair-minded, dynamic, growing, and sustainable community bank that is the premier financial institution within the markets it operates. It will be owned by individuals in its markets, managed locally, and responsive to the varied needs of its communities. The Bank will serve and partner ... , 2024's Best Bank in Ann Arbor, MI. 4 branches within 20 miles of Ann Arbor, MI. Nearby: 125 W. William Street, Ann Arbor, MI 48104. 888-880-5663. Website. Bank of America. 39,733 Reviews. Bank of America is one of the largest banks in the country, and it offers a wide range of financial products., For 24-hour telephone banking, call: 1.888.662.5001 Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852, Data Source: National Museum of American History. Id Number: 2014.0016.005 Accession Number: 2014.0016 Catalog Number: 2014.0016.005 Serial Number: 3203. Object Name: note. Physical Description: paper (overall material) Measurements: overall: 7.1 cm x 18 cm x .01 cm; 2 25/32 in x 7 3/32 in x in. Metadata Usage: CC0., Options and Resources. Bank of Ann Arbor was a dream to work with. Professional and prompt, they made what is usually a daunting process easy. Highly recommend using them for your financing needs. My lender was awesome. They made the process simple and efficient. Cannot say enough good things about Bank of Ann Arbor. - Matthew, …