October 2014 Newsletter


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Meet Your Bankers!



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Milford Branch

130 S. Milford Rd

Milford, MI 48381



Highland Branch

2920 E. Highland Rd

Highland, MI 48356



 Loan Center

522 N. Main St., Ste. 100

Milford, MI 48381




Just a Friendly Hello From Your Favorite Bankers

Who are these folks?  Only the best in the financial services industry - the staff of Huron Valley State Bank.  We are knowledgeable, friendly, and here for YOU!  Dedicated to help you with your financial needs, offer a warm cup of coffee, an oven baked cookie and a great smile, all day, everyday. 

As Seen In The Spinal
Column on September 24, 2014


If you are like most of us, your home could be the most important investment that you make. Huron Valley State Bank is here to give you the same personal service with your mortgage decisions that you have become accustomed to at our branches!

We offer a variety of mortgage products to accommodate your financing needs, whether you are purchasing your dream home, or refinancing your existing home to help pay for college education or that new deck.

For more information, contact our Mortgage Lending Department today at 248.387.6089 or email Susan Bowen (NMLS #165990) at sbowen@hvsb.com.  And, be sure to ask us about our Home Equity Loans and Lines of Credit.  We have after business and weekend hours available upon request.

We are your community bank, welcome home.

Mention the above coupon at application and receive a lender credit of $100 towards closing costs. Only one coupon per mortgage allowed. Subject to credit approval.

Meet Your Bankers
Nellie Corey

Nellie Corey is one of our veteran employees at Huron Valley State Bank.  She started in September of 2005, just 1.5 months after the bank's grand opening.  She has the upmost important role of taking care of customers financial needs.  She works part time, and you can find her in Milford.  "I enjoy the people I work with and the customers.  It's a wonderful place to work.  Also being part time, I have the opportunity to enjoy a day off during the week," said Nellie.  On her day off she enjoys golfing, working on puzzles, spending time with her family or friends.  


She was born in Canada and is a lefty. Nellie has been married for almost 26 years and has 3 children. Her youngest and oldest child have the same birthday.  Two are in the Grand Rapids area and another is currently residing in Rochester Hills.  One of her favorite places to visit is Florida.  

Beware of Phone Scams
The Internal Revenue Service issued a consumer alert providing taxpayers with additional tips to protect themselves from telephone scam artists calling and pretending to be with the IRS.

These callers may demand money or may say you have a refund due and try to trick you into sharing private information. These con artists can sound convincing when they call. They may know a lot about you, and they usually alter the caller ID to make it look like the IRS is calling. They use fake names and bogus IRS identification badge numbers. If you don't answer, they often leave an "urgent" callback request.

"These telephone scams are being seen in every part of the country, and we urge people not to be deceived by these threatening phone calls," IRS Commissioner John Koskinen said. "We have formal processes in place for people with tax issues. The IRS respects taxpayer rights, and these angry, shake-down calls are not how we do business."

The IRS reminds people that they can know pretty easily when a supposed IRS caller is a fake. 
Here are five things the scammers often do but the IRS will not do. Any one of these five things is a tell-tale sign of a scam. The IRS will never:
1.Call you about taxes you owe without first mailing you an official notice.
2.Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
3.Require you to use a specific payment method for your taxes, such as a prepaid debit card.
4.Ask for credit or debit card numbers over the phone.
5.Threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.
If you get a phone call from someone claiming to be from the IRS and asking for money, here's what you should do:
*If you know you owe taxes or think you might owe, call the IRS at 1.800.829.1040. The IRS workers can help you with a payment issue.
*If you know you don't owe taxes or have no reason to believe that you do, report the incident to the Treasury Inspector General for Tax Administration (TIGTA) at 1.800.366.4484 or at www.tigta.gov.
*You can file a complaint using the FTC Complaint Assistant; choose "Other" and then "Imposter Scams." If the complaint involves someone impersonating the IRS, include the words "IRS Telephone Scam" in the notes.
Remember, too, the IRS does not use unsolicited email, text messages or any social media to discuss your personal tax issue. For more information on reporting tax scams, go to www.irs.gov and type "scam" in the search box.
Download Your New Branch Office
With Mobile Banking
With Mobile Banking, you can stay connected and in control, anytime, anywhere. With mobile banking you can: 
  • Access your account balance
  • Review recent transactions
  • Obtain images of checks that have been cleared
  • Transfer funds between accounts
  • Pay bills from your checking account 
  • View your eDocuments and/or eStatements
  • Obtain a list of branches and ATM's 

Simply download our free app today by going to www.hvsb.com/mobile and selecting your device or searching "HVSB Mobile" in your iPhone´┐Ż or Android™ store. Then sign in using your Online Banking Identification or User ID, and the same password you use for Online Banking. Customers must have a valid user ID and password for Online Banking to access Mobile Banking.  If you do not have your user ID, please call your branch today.  Milford - 248.684.9626 or Highland 248.887.9900.


Mobile Internet data charges may apply. Please contact your mobile service provider for details. Customers must be enrolled in Online Banking to access Mobile Banking. Bill payment is available for checking account customers.


A bargain ain't a bargain unless it's something you need.
- Sidney Carroll