We are a community bank located in Dublin & Westerville, Ohio. Some key advantages that Emerald has over the bigger banks are: Single Point of Contact -You tell your story once -No levels of hierarchy Banking Experts v. Sales People -Community bankers consult with you to find a solution that is correct for you -Sales people are trying to meet a quota -Our core business is lending to individuals & businesses – if we’re not the experts, we’ll refer you to one. -Community Bankers’ length of tenure is usually longer than that of “big banks”. -Community bankers have a wider breadth of banking knowledge Money on Deposit Stays in Columbus -Deposited funds are loaned out to local businesses and consumers -Contributes to the economic well being of our community -We work with local third party providers and keep local dollars in the market Quick Decision Making -Decisions are made locally so we are able to react quickly to customers’ needs -Decisions are made by people who know your situation Superior Products -Free checking is alive and well! -If we don’t have a product to meet your needs, we’ll design one. -Lower costs and fees Easy Banking - You’re not in the principal’s office -Loan decisions made based on a person’s character, rather than a computer’s assessment of score Every Client is a Private Banking Client -We’ll switch over your direct deposit, bill pay, and anything else you need us to -A live person answers the phone when you call