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Invest with Confidence and Discover the Power of Community Banking

Apr 21, 2023 Personal , Small Business
picture of money & people between two hands signifying the power of community banking

April is Community Banking Month, and we at BankSouth are proud to be a community bank. As a community bank, we understand the importance of personalized service and building relationships with our customers, which is why we are dedicated to providing exceptional banking services to our local community. Read on as we highlight the benefits of using a community bank over a national bank and emphasize that, when it comes to banking, bigger does not always mean better, as local banks offer many benefits that national banks do not.

Personalized Service

At BankSouth, we know that our customers are more than just account numbers. We understand their unique needs, goals, and visions, which is why we strive to offer tailored banking solutions that cater to our customers’ specific requirements. Our customer service goes beyond the basics to establish a personal rapport with our customers that inspires trust and confidence. In contrast, national banks are often unable to offer such personalized service, as they have many more customers to deal with.

Community Involvement

Community banks are local entities that focus on contributing to the growth and development of their local communities. As seen on our company’s Facebook page and Instagram page, BankSouth is proud to be a part of the local community. We frequently invest our resources and time to support community programs and events in Greensboro, Savannah, Atlanta, and Watkinsville, such as providing loans to small businesses, sponsoring community events, and investing our time volunteering. Community banks also offer an array of community-focused products and services such as small business funding and home construction financing. Our commitment to the local community goes beyond deposits and lending, as we strive to build lasting relationships that will stand the test of time with products that change as your financial situation changes.

Tailored Services

customer receiving tailored banking services from their community bankCommunity banks offer a more personalized experience than the one-size-fits-all approach of national banks; we can provide tailored financial products and services to fit every customer’s unique needs no matter where they are at in their financial journey. As a smaller financial institution, BankSouth is more adaptable to changes and can accommodate customer requests on products or services that aren’t traditionally eligible through national banks. At BankSouth, we offer an array of personal and business financial products and services such as customized personal loans, special savings accounts, insurance products and tools to cater to customers’ needs, and goals with decision making where you bank instead of a corporate headquarters in a large city.

Faster and Easier Decision Making

By working with a community bank like BankSouth, customers are much more likely to receive swift decisions on their loan applications or any other banking service request when compared to national banks. Community banks can achieve this because they possess an extensive knowledge of the customer and their livelihoods, enhancing their capabilities to make informed decisions quickly. Similarly, because community banks understand the nature of the customer’s businesses and the community, they can make more informed and personalized decisions that benefit both parties.

Robust Risk Management

Community banks also have a lower risk profile for the economy than larger, national banks, which is due to a combination of factors such as highly liquid assets with lower concentration risk, more diversified loan portfolios, among others. When customers bank with community banks, they know they are placing their trust – and money – in an institution that offers a more comprehensive and proven risk management program that focuses on preserving, growing, and responsibly managing customer assets.

Community banks such as BankSouth offer a vital and unique contribution to many localities’ economic and social growth. Community banks have built lasting relationships with customers and are uniquely positioned to offer a more personalized, robust, and tailored financial experience within their local communities. These unique characteristics differentiate them from national banks, proving that when it comes to banking, bigger does not always mean better. As a market leader in community banking, BankSouth is always ready to provide tailor-made financial solutions and make banking a more enjoyable and less daunting experience for customers. Invest with confidence, and discover the power of community banking.

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