Meet Our Bankers
Kevin McIssac
Jack Shubitowski, President and CEO of Huron Valley State Bank, is pleased to announce the appointment of Kevin McIsaac to Vice President / Commercial Lender.  In his position, he will be concentrating on developing and expanding commercial relationships in the community.  The addition of Mr. McIsaac marks the 4th lender since the formation of the Milford Loan Office in 2012.

Mr. McIsaac was most recently with First Merit Bank of Southfield where he served in various roles over the past 11 years including Commercial Loan Officer, Portfolio Manager/Underwriter, and Loan Review Officer.  Mr. McIsaac has 27 years of banking experience, 17 of which are focused solely in commercial lending and 10 in commercial credit.  He began his career at Security Bank and Trust which is a legacy PNC Bank.  Over the course of his career he has gained experience in commercial lending, commercial underwriting, portfolio management, and loan review.    

"Kevin brings a wealth of knowledge from his experience in commercial lending and credit.  He is the perfect complement to our already strong team of Commercial Lenders led by Steven Peacock," said Jack Shubitowski, President and CEO of Huron Valley State Bank.

 "I am excited about the opportunity to work for a community bank with such a strong commitment to the communities it serves," said McIsaac. "I look forward to building new relationships and providing personalized commercial lending solutions to small and medium sized businesses." 
Know Someone Heading Off to College in the Fall?
Huron Valley State Bank Can Help
Graduation mortar board cap on one hundred dollar bills concept for the cost of a college and university education
Do you know someone heading off to college in the fall or the near future?  Huron Valley State Bank is here to help them navigate this process with our College Rewards Program.  Setting up the right bank accounts now can help them transition to student life much easier. 

For College Students, Huron Valley State Bank offers a free basic checking account that includes a debit / ATM card.  This card works exactly like a check in that it deducts the cost of in-store or online purchases directly from their checking account. In addition the card can be used at any ATM (Automatic Teller Machine) to make cash withdrawals.  As part of our program for college students, they get 5 FREE ATM transactions a month!  This means any fees they incurr for using an ATM machine within the month will be reimbursed back. 

To stay on top of their accounts, online and mobile banking can help them monitor their own spending. They can also use this service to transfer funds between accounts, pay bills, view checks that have cleared and stop payments. 

When a student doesn't have enough cash in checking or savings to meet an emergency expense, a credit card can be a lifesaver. It's also a good way to start credit history, as long as they follow some common sense guidelines.

Lastly, to recognize the graduate's big accomplishment, purchase a Visa Gift card for them at the bank today.  It is convenient for them and comes in handy on or off campus. 
New Fraud Protection Service
In our continuing efforts to keep your debit card secure, we've improved our alert system for potential fraud. Here's how it works:
  1. When potential fraud is detected, you will receive an automatic email notification, with the option to reply with "fraud" or "no fraud" through a secured link.
  2. One minute after the email, you will receive a text alert, which also has the "fraud" or "no fraud" option.
  3. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. If you confirm fraud, you will be connected to a fraud analyst.
It is imperative that we have your current email address and cell phone number on file.  The next time you are at the bank, please verify your contact information with us. 

The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it "Fraud Center," it will display on your phone whenever you get a call from this number. 

Also Huron Valley State Bank still has in place an opt-in text alert program through Guardian SMS for your debit card.  If you are enrolled, you will receive an alert after the following activity:
  1. Purchases greater than $300
  2. Purchases that occur out of state
  3. 5 or more transactions in 24 hours
  4. Fuel or service station transactions
If the transaction is legitimate, you need not reply.  If it is fraudulent, you may reply by text and your card will be blocked from further activity.  To enroll in this additional layer of fraud detection go to  

Remember - our messages will never ask for your PIN or account number.

Melissa Herron
Promoted to Cash Management Specialist
Huron Valley State Bank recently promoted Melissa Herron from her position as an Assistant Manager of the Highland Branch to Cash Management Specialist. In this new role, Melissa will work with operations and the commercial lending team to create a link between the bank's product offerings and the business needs of customers. Melissa will also serve as a resource to customers to make sure that their cash management and business needs are met. Melissa has been with the bank for nine years.                    

"I am excited to take on this newly created position within the bank.  I am looking forward to helping our business customers meet all of their Cash Management needs," says Melissa.

"I am very pleased to have Melissa in this role. She will consult with business customers and make recommendations that are aimed at helping them with their own processes," said Jack Shubitowski, President and CEO.
Debit Card Signature Based Transactions
Blocked in California, Georgia, Massachusetts, New York & New Jersey

a security lock with password with a credit card on white computer keyboard representing credit card data encryption for financial security
During the past few months, Huron Valley State Bank customers have experienced a high amount of debit card fraud transacted from the states of California, Georgia, Massachusetts, New York and New Jersey.  To protect you from fraudulent debit card use, effective immediately, we will block signature transactions from these states.  You can still use your card by entering in your PIN #.

We apologize for any inconvenience this may cause you, but protecting your accounts and Huron Valley State Bank from fraud is our primary concern.  Please feel free to contact our bank at 248.684.9626 or visit the Milford or Highland Branch with any questions you may have. 
Important Information About Your Debit Card
Chip Cards Are Coming Soon
At Huron Valley State Bank, we are committed to protecting our customer's identity.  The safety and security of your account is a priority to us. During the next few months, you will receive a new debit card. The card adds improved  fraud protection with an embedded computer chip. Instead of swiping, you will insert your card into a chip reader.  If a chip reader is not available, you can continue to make purchases with the magnetic strip.  

What is chip technology?
Cosmetically it is a small square area on the card (1 cm each way) that contains an embedded computer chip.  Functionally this is a "smart card" that employs microchip technology which makes your in-person debit card transactions more secure.  Chip technology is also known as chip card, smart-chip card, chip-enabled smart card, chip and choice card,and EMV (Europay MasterCard Visa) card.  

How will my experience change?
As a Debit MasterCard user, you will not see many changes when it comes to making your everyday purchases. You will insert your card into the terminal, chip first, face up.  The card must remain in the terminal during the entire transaction.  Once the transaction is complete, you will either sign the receipt or enter your PIN to complete the transaction.  The chip card still has a magnetic stripe, just in case you need to use it with a traditional terminal.

Why chip technology?
Chip cards provide enhanced security. Each time you use your chip card, it transmits unique data that changes with each use. This allows for a more secure form of authentication and helps to prevent counterfeit card fraud.

What do I do when I receive my new card?
When you receive your new chip card, you can activate it by going to any Huron Valley State Bank ATM and completing a transaction (withdrawal, transfer or balance inquiry).  Your new card will have the same card number and PIN number.  Your expiration date and CVV (Card Verification Value) will be different.  Therefore, please update all recurring card payments.  After activating your new card, please destroy your old one.
Over 250 Million Email Addresses Up For Grabs on the Dark Web; Is Yours One of Them?
Email addresses are not kept secret, as we know. We use them constantly to keep in contact with everyone from Grandma to work colleagues. That means that we can be reached by anyone who wants to reach us, even those who are up to no good. It was recently discovered that a list of more than 250 million email addresses was found up for grabs on the underground including around 40 million from Yahoo, 33 million Hotmail addresses, and another 24 million from Gmail.

What this means is that phishing attacks (emails that look like they come from a legitimate source but are in fact devised to steal your login credentials) will likely increase for all of those whose addresses were included in the collection. Therefore, be on the lookout for these if you have an email address from any of these companies. Best practice is to never click on a link or open an attachment in an unexpected email. Even if the email is from a friend, it is worth verifying your friend sent the email before clicking on anything.

Watch for the following signs of phishing:
*Incorrect use of the language in which the message is written.
*Typos, poor graphics, and logo artwork, old or incorrect logos (look for subtle differences), and punctuation errors such as using a comma where a period should go in currency figures (or vice versa).
*Included links or attachments that you don't expect to get from anyone, even those you know.
*Subjects that seems strange or are overly-dramatic.
*Messages that attempt to scare you into taking quick action or something will happen to you, such as an account will be closed.
*Links that don't go to where you'd expect them to when you hover the mouse pointer over them.

In addition to watching for phishing, you ought to change your email passwords. In fact, it's advised by security experts to do this quarterly at a minimum. When choosing passwords, don't reuse them for multiple online accounts, make sure they are at least eight characters in length, and include numbers, special characters, and upper and lower case letters. Avoid using dictionary words, children's names, birthdates, or any other information that is easily found in other locations such as social media.

It is unknown how this particular person acquired all these email addresses. Hold Security, the company that discovered this information has told the media that they know it is a "young man" in central Russia. He collected it from various sources and seems to be willing to give it to anyone who is nice to him. Addresses from German and Chinese servers were also included in the collection.

This is the latest in a long list of data that has been stolen in the past year. Data from over 100 million people was stolen from several companies including J.P. Morgan, the Wall Street Journal, music service Spotify, the U.S. Office of Personnel Management, and the FBI.

Fun Money Fact
Zero trees are cut down to make money!
All paper money is made from a custom blend of 25% cotton and 75% linen.  It's actually closer to cloth than paper! This blend can only be used for making currency. 
Huron Valley State Bank