What small business-oriented products and services offer the best opportunity to
build demand deposit accounts and fee income at Adams Dairy Bank?
Small businesses do not come to Adams Dairy Bank for relationship banking; we meet
with customers at their business or home to listen and learn what we can do to help
them be successful.
Once we have learned about our customers’ financial services needs, we capitalize
on the myriad of products and services made available by our parent, Capitol Bancorp
Limited. This allows us to meet those needs and tailor an account specifically for
our customers. This customization, along with our truly personalized service, clearly
sets us apart from the large money-center banks. We actually do what every other
financial institution claims they do. We get to know our customers and tailor services
especially for them. It is that simple — individualized service and great products.
Banking is a service-oriented business. By taking care of our customers’ individual
needs, we are able to develop additional business with them. This leads to referrals
to other small businesses. We are more than willing to work with a small business
owner as long as it takes, even if they open just one account. We know once they
experience the Adams Dairy Bank level of service, we will earn their business as
well as the business of their friends and associates.
— David C. Chinnery, President