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After more than 15 years of business, the team at Ann Arbor Commerce Bank is now proudly serving the children and grandchildren of some of our very first customers.

We have adapted to better serve each new generation by identifying customer needs and requests. For instance, after an in-depth analysis of customer banking habits, we implemented an improved ATM service that greatly expanded the number of ATMs available to our customers. Based on the feedback we have received since we made the transition, the international ATM service has been well received and has resulted in the added benefit of cost efficiencies for the bank. Early last year we completed the first total revamp of our web site that makes it more educational and user friendly. Also during 2005, our bank was one of the first Capitol Bancorp affiliate banks to implement our new core operating system.

Our 15th anniversary tailgate party last September prior to the University of Michigan/Michigan State University football rivalry was a huge success. More than 700 customers proudly showed their colors and helped us celebrate our annual event.

Over the years we have matured and maintained a high profile in our community by always opting to take the competitive high road and providing outstanding service in our state-of-the-art facility.

Like our community, which is continually ranked among the best places to live and work in the United States, our bank is a place where our customers feel at home. Our fireplace room, for example, is designed to be homey and comfortable. Young and old can always stop by and read the news, munch on cookies or M&Ms® and enjoy a cup of fresh-brewed coffee or hot chocolate.

As pleasant as our banking facilities are, it is our experienced and caring staff that makes our bank special. We are here to serve our current and future customers, their children and grandchildren. As part of Capitol Bancorp, we are building to last.