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Warm, Welcoming,

and Ready for You

Where Convenience Meets Community

For many in our community, a long-time Michigan based bank has changed hands, changed names, and changed where they are headquartered. On the outside, the signs have changed. Inside the branches, there are new fees, new policies, and reduced local customer service.

And they just did it again. 

Help Is Ready

We knew this was coming. It's not the first time. In fact, this makes two years in a row!


So for individuals and families, we rallied a team of dedicated Switch Specialists to help you make a fast and easy account opening process here at Lake-Osceola State Bank, where our community commitment has never wavered and only grown stronger.

You can even do most of the steps online, coordinating with our Switch Specialists using our secure document portal. Our online Switch Kit makes it even faster!

For businesses, we will assign you a Business Switch Concierge to assist with the additional documentation needed for business accounts. You have enough on your plate these days -- we will go the extra mile to make this simple for you!

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Why Us?

First, you may think of switching banks as a hassle but we've streamlined the process and you will be sacrificing nothing. Our online and mobile banking apps are robust and full-featured, our business services are a unique blend of high-tech and high-touch, and our lending is personal and highly competitive.

Second, it helps to know that you won't have to repeat this process any time soon. Lake-Osceola State Bank has a proud tradition over 100 years strong, built on relationships that are local, personal and authentic. Our capabilities have grown broader as our community roots have grown deeper.

When we enter a market, we don't leave it. Quite the opposite, in fact! When a big bank abandoned Le Roy, we took their place. When another bank left Walkerville, we stepped in. With Lake-Osceola State Bank, deposits stay close by and circulate through the local economy to strengthen the community as a whole on a daily basis.

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11 Area Locations

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Local Economic Vitality

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Online Banking & Billpay

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Full-Featured Mobile Banking

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Mobile Deposit

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Fraud Protection



A special "Thank You" is in order for our Switch Specialists. Their expertise and helpful spirit produces a better customer experience right from the first contact. It is our people who make the difference! So we say thank you to Tina Aris, Katie Vincent, Tonya Risch, Angela Warzak and others for welcoming our new customers so well!

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