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Professional Banking

Welcome to Flint Community Bank Professional Banking.

 
We provide physicians, professionals, and executives with a comprehensive approach to simplify finances. We take the time to listen and understand your financial priorities to create a lasting banking and lending relationship.
 
Time is a Commodity!
 

Deposit and Cash Management 

As a Flint Community Bank client, you have access to many deposit services. Your professional banker can help you make the most of your cash flow with convenient cash management options.
 

Personal Checking

Community Rewards Checking
An interest-earning checking account for Professional Banking clients
No monthly maintenance fee
  • Complimentary checks
  • Online banking and bill pay
  • Mobile Banking and Mobile Deposit
  • No fees for cashier’s checks

Business Checking

Community Business Checking
A complimentary business checking account for Professional Banking clients
  • No monthly maintenance fee
  • Online Banking and Bill Pay
  • Mobile Banking
  • No fees for cashier’s checks

Other deposit options include:
  • Money Market Accounts
  • Savings Accounts
  • Certificates of Deposit
 
  

Lending 

As a Flint Community Bank client, you also have access to a wide variety of lending options, including:
  • Personal term loans for home improvements, auto financing and more
  • Business term loans for equipment financing, real estate and construction
  • Personal Lines - You never know when you might need access to extra cash. Enjoy the peace of mind that comes with having additional funds within your approved credit limit at your discretion. You only pay interest on the money that is withdrawn.
  • Business Lines meet your needs for additional cash flow and seasonal demand with a Working Capital Line of Credit.
  • Mortgage Temporary financing for home purchase up to 89.9%LTV 
 

Physician Program

Physician Mortgage Program is especially for doctors and residents who are in need of financing for their primary residence. Up to 100% financing is available for eligible physicians. Other features of the Doctor Program include:
  • Primary residences only
  • Purchase and rate/term refinance
  • No mortgage insurance required
  • Program applies to single family residences
  • Deposit relationship must be established with Flint Community Bank
Or
  • 100%LTV Temporary Financing for home purchase
  • 11-month interest only, renewable one time
  • Primary residences only
  • Purchase and rate/term refinance
  • No mortgage insurance required
  • Program applies to single family residences
  • Deposit relationship must be established with Flint Community Bank

Physician Line of Credit        
  • Three-year term; may renew or extend the credit line, subject to standard underwriting guidelines
  • Can be unsecured
  • Interest only minimum payment due monthly
  • Principal can be repaid at any time
  • Line must be tied to a Flint Community Bank checking account with auto-debit of payments established