In This Issue



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




Thank you for choosing Huron Valley State Bank. Your continued support, along with your referrals of family, friends and business associates, resulted in another successful year. We hope your Holiday Season is full of enjoyable times and good memories, and we wish you a Happy, Safe and Prosperous New Year!
In Memoriam
Mark Murvay, Chairman of the Board 
It is with a saddened heart that we announce our Board Chairman, Mark Murvay, passed away on November 12, 2015.  Mark has been on Huron Valley State Bank's board since November, 2006 and became Chairman in January 2008.  He has been an integral part of the bank's growth by providing insight and leadership throughout the years.  He will be missed by all of us at HVSB. 
Complex Password Required
For New Passwords 
A complex password (PIN) will now be required for new customers and those needing to change their password. New passwords must be between 8 and 12 characters and contain a combination of alphanumeric (letters and numbers) and a special character (for example, $, #, !).

Protecting our customers banking information is a priority and a factor in the decision to change the password structure. If you have any questions, please contact us at 248.684.9626. 
Meet Your Bankers
Shelby Creps
Customer Service Representative  
Shelby Creps started with Huron Valley State Bank in March of 2015 as a Customer Service Representative. Her smiling face can be found at Milford and Highland, as she floats between both branches. In her role, she helps customers with their banking needs and does whatever she can to make their financial transactions a pleasant experience. Prior to becoming a banker, she worked at Grandville Printing Company as a Print Ad Auditor, the Better Business Bureau Serving Western Michigan as the Charity Review Program Assistant and at Family Video as the Assistant Manager. She graduated from Grand Valley State University with a Bachelors of Science in Public and Nonprofit Administration with an emphasis in budgeting and finance.

She comes from a big family and is one of 21 cousins. Her name can be found on one of the fence posts that surrounds Central Park in Milford. Her fellow teammates at the bank refer to her as "Shelbster" and "Shelbino" and outside of work she enjoys camping, going to the movies, spending time with family and friends and playing with her cat. Her cat "Stella" is a Manx / Maine Coon mix which means he does not have a tail and looks like a bob cat. She loves trying new foods and experiencing new restaurants and will eat anything except oranges.

One of the things she enjoys most about working at HVSB is "how friendly all of our customers are... Everyone is always smiling and loving life and it makes working so much more enjoyable because it doesn't really feel like work anymore. I also appreciate how closely connected the entire staff is to one another. It's nice to work with people that genuinely care so much about each another and their customers."  
Mobile Banking App Updated
Download New Version 
Be sure to download the latest version of the mobile banking app for your iPhone or Android.  It is updated, has better functionality, more features, and enhanced security.  To get the latest version go to:

HVSB Mobile Banking by Huron Valley State Bank allows you to bank on the go. It's free to download and offers quick access for managing your bank accounts. In addition, you can check your balances, review recent transactions, obtain images of checks that have cleared, Pay Bills from your checking account, transfer money, and locate ATMs and banking centers with just a touch. It is secure, simple and free. Use your current online banking login information to start mobile banking today.
Huron Valley State Bank Partners With Cygnet Institute Offering Adult Financial Literacy
Huron Valley State Bank (HVSB) and the Cygnet Institute have partnered to offer a comprehensive adult financial literacy program for the community through the area libraries.  The Waterford Public Library, White Lake Township Library, Highland Township Public Library and the Milford Public Library are participating in this program to offer seminars on Personal Finance.

The Cygnet Institute of Personal Financial Literacy is a tax exempt non-profit organization.  The workshops will adhere to the Fiduciary Standard and are designed to be experiential and a true educational experience without a sales pitch.  "Financial Literacy is a key to the success of any community.  These workshops for public libraries are designed to help people with their financial decisions with no sales pitch or follow up solicitations.  Regardless of your stage in life, everyone can benefit from these hands on classes," said Ted Lakkides┬«, CFP founder and President of Cygnet Institute for Personal Financial Literacy.  

The schedule of offerings is as follows:

Waterford Public Library, 5168 Civic Center Dr, Waterford Twp. 248.674.4831
  • Wednesday, December 9, 7:00-8:30 pm, Income Tax Planning with Brian Weiland
  • Monday, January 11, 7:00-8:30 pm, Estate Planning with Mike Hughes
  • Monday, January 25, 7:00-8:30 pm,  Managing your 401 K with Brian Lakkides
  • Thursday, February 18, 7:00-8:30 pm, Education Funding with Aaron Cary
  • Monday, February 22, 7:00-8:30 pm, Income Tax Planning with Brian Weiland
  • Tuesday, March 15, 7:00-8:30 pm, Social Security with Scott Smith
  • Thursday, March 24, 7:00-8:30 pm, Budgeting with David Dieterle
Highland Township Library, 444 Beach Farm Circle, Highland, 248.887.2218
  • Tuesday, January 26, 6:30-8:00 pm, Death of a Loved One with Scott Smith 
  • Thursday, February 4, 6:30-8:00 pm, Managing your 401 K with Brian Lakkides
  • Thursday, March 17, 6:30-8:00 pm, Income Tax Planning with Brian Weiland
  • Thursday, March 31, 6:30-8:00 pm, Social Security with Scott Smith
Milford Public Library, 330 Family Drive, Milford, 248.684.0845
  • Thursday, January 21, 6:30-8:00 pm, Budgeting with David Dieterle
  • Tuesday, February 16, 6:30-8:00 pm, Income Tax Planning with Brian Weiland
  • Thursday, March 10, 6:30-8:00 pm, Death of a Loved One with Scott Smith
Lisa Henning
Promoted to Assistant Vice President,
Senior Credit Analyst 
Lisa Henning has been promoted to Assistant Vice President / Senior Credit Analyst.  In her new role she will be responsible for analysis of loan requests, reporting, auditing, and mentoring.

Henning started at Huron Valley State Bank in May of 2013.  With over 30 years of banking experience, she brought a wealth of knowledge from her retail banking and credit background.   Lisa began her career as a teller with National Bank of Detroit.  She took on varying roles and responsibilities in her nearly 20 years in retail banking.  Lisa then transferred to the credit side of banking, taking a position as a financial analyst.  She moved on to various other analytical positions within the credit department with Bank One, a legacy NBD Bank.  In 2003,  she took a position with Citizens Bank as a credit analyst, later becoming a portfolio analyst.

"This promotion is well deserved," said Jack Shubitowski, President and CEO.  "Lisa has deep knowledge and expertise in portfolio management and credit analysis.  She is a valued member of the Commercial Lending Team and a true asset to the bank."

"Huron Valley State Bank is a wonderful place to work," said Henning.  "The sense of community and ability to make a difference within the organization makes my job very rewarding." 
Turn Your Bills Into Money
You could win a $100 Visa Rewards Card by simply paying your bills!

Pay at least 2 bills by December 31, 2015, and you'll receive an entry into the HVSB sweepstakes.**

Here is what Bill Pay can do for you:
  • Pay anyone, any time
  • Pay all your bills from one location
  • Set up recurring payments
  • Schedule payments for a specific date
How to get started:
  • Login to Online Banking
  • Select Bill Payment
  • Add the Payee
  • Schedule a new payment
*Bill pay available with checking accounts
Sweepstakes ends 12/31/15. Open to legal US residents residing in any of the 50 United States or DC, who are 18 years of age or older and have a unique, personal and valid social security number at the time of entry.  Enter the sweepstakes at any Huron Valley State Bank branch or by simply paying your bills online.
Keep A Lookout For These Scams 
Source: Stickley on Security
Apple Store Payment: This is a simple scam these days as the number of people transacting with Apple is immense. Because people are so accustomed to these transactions, they may not look twice when this scam hits their email. To avoid all financial institution or transaction scams including Apple Store, never respond to any email asking for personal or financial information. Instead, log directly into the account from your phone app or web browser. This will ensure that if your account does have an issue or needs your attention, you are working with the good guys.

Job scams: They're in the classified sections wherever classifieds may be found. They say no experience required, start right now, it's full time, and the pay is great! Sounds too good to be true, right? It is. The scam comes when they ask for a "training fee" and/or your social security number. Trust your senses and walk away from these.
Recover your unclaimed property: Scammers will graciously help you recover property or funds, even when you didn't know you were owed any. Of course they charge a fee and of course, after you pay it you will never see your missing property or funds.
Human Resources needs your information for direct deposit setup: The email is fake and once the information is provided, your direct deposit no longer is in your account. Verify any emails asking for this information by phone, separate email, or by talking to the HR rep in person. It is extremely unlikely that any legitimate company or service will ever ask for this information via email.
Pet Adoptions: Online is a photo and sob story about a pet that really needs a good home. Once you pay for the adoption fee, shots, and crating for travel, you have less cash and no pet. Consider staying local for pet adoptions and pick up the pet in person.
Healthcare Open Enrollment: This has gotten even more confusing lately with the implementation of the Affordable Care Act (ACA or commonly referred to as Obamacare). Scammers will pretend to offer their services to help you wade through the complicated processes for a fee. However, once you pay it, you are still confused and likely still don't have healthcare. Seek out authorized representatives to help you navigate this process.
IRS Scams: Frauds of this type come in many forms. Sometimes it's a phone call saying you owe money or even are due a refund and thankfully, this company has come to your rescues to help you get it back from the evil IRS or keep you out of jail. Sometimes they send email claiming the same or something equally fraudulent.  The IRS doesn't work this way. They will send a physical letter first.
Get a Free Gift Card or Prize: In order to collect it, you have to give out sensitive information or money. This one takes many forms and may be a phone call or email version exploiting popular and well-known brands. Keep sensitive information private. You shouldn't have to give out this information for a free prize.
You're Pre-Qualified for a Loan: And you didn't even ask for that! In order to get it, just send all of your sensitive data or give it to them on the phone and the money is yours. Except it isn't. If you didn't initiate the loan qualification, it's likely a scam.
Online Purchases: The product you are so excited to get just never arrives. Alternatively, it is nothing like advertised. This risk always exists, so try to use verified online retailers.
Accidental Overpayment for Items Online: If you sell online, watch for scammers who will send overpayment and request the difference wired back. Typically, they send a bad check, but before you figure it out, the cash is sent. Avoid accepting checks when possible and if you must take them, make sure they clear before issuing any refunds.
 Did You Know?

$75 million dollars is shredded daily by the Federal Reserve Bank