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Macatawa Bank: Best Brick & Mortar Bank – Review

Have you heard of Macatawa Bank before? If no, then keep reading.

Finding a brick-and-mortar bank that is convenient for customers isn’t nearly as easy as it is now. A bank with a physical as well as a mobile presence provides the best experience for their customers. But finding one that offers both is hard nowadays.

Yet such a bank does exist and it is Macatawa Bank!

So if you are a busy individual with no time to go to a bank’s physical location to manage your banking activities, Macatawa bank is the bank for you. In addition to all the features of a conventional, brick-and-mortar bank, Macatawa bank provides its customers the ease and convenience of online banking and mobile banking app.

Note, not that there are not other brick-and-mortar banks out there that provides online or mobile banking; it’s just that Macatawa bank has been well rated for their mobile banking app.

If you need help to decide which bank is the right for your need, a professional can help.

So What is Macatawa Bank?

Macatawa bank is a large, brick-and-mortar bank, headquartered in Holland, Michigan. It was created in 1997. The bank has several branches across the United States. The bank has $2 billion in assets and $2 billion in deposit. It is FDIC insured.

As with any big banks, Macatawa Bank offers a variety of financial products to their customers. Here’s a brief summary of what it offers:

1) Checking Accounts: 0.01% APY with a $2000 minimum balance for the APY;

2) Saving Accounts: 0.01% APY with a $2500 minimum balance for the APY;

3) Certificates of Deposit: 12 month: 0.18% APY with a minimum balance of $10,000 for the APY (greater APY for longer terms with a minimum of$1000);

4) Money Market Accounts: 0.09% APY with a minimum balance of $10,000, and 0.11% APY with a minimum balance of $25,000.

Macatawa Bank also offers loans including personal loans, home loans if you’re looking to buy a house, home equity loans, credit cards, etc.

But this is not what makes Macatawa Bank the greatest. Continue reading below!


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What makes Macatawa Bank a great one for its customers?

Macatawa Bank offers its customers the ease and convenience of an online banking and mobile banking app experience.

Online banking or mobile banking simply means managing your banking activities using your bank’s online banking website or mobile banking app (if they have one).

However, not too many banks have a mobile banking app. Even if they do, they do not provide the best experience for their users.

But Macatawa Bank is ahead of the game!

With a Macatawa Bank mobile banking app (called”MacBank Mobile Banking app”), you’re able to make payments using your phone app instead of physical card.

You’re able to transfer money between accounts, and update your personal information with your bank. You can even deposit checks to your Macatawa Bank by taking a picture of the front and back of your check.

You are also able to apply for other products such as a loan online. According to its website, here are other things you can do:

  • Receive account alerts;
  • View transaction history;
  • View loan details;
  • Pending transactions;
  • Allow multi user login from a single device.

In brief, the MacBank Mobile Banking app is the easiest way to manage your money on the go.

Macatawa Bank offers the best mobile banking security.

While mobile banking can be easy to manage your money on the go, it is also easy for your mobile app to be attacked by phishing scams.

One of the ways scammers can try to access your mobile banking data is through the use of phishing scams. Scammers will try to contact you via emails, text, or social media, posting as a trusted institution.

They will send you a link trying to trick you click on it or download it. If you fall for it, malware will spread onto your phone.

However, Macatawa Bank provides the best security measures for that.

Great quality service.

A bank, like Macatawa Bank, that offers not only online and mobile banking, but also great online service, can make a big difference to its customers.

Indeed, customers are very happy when they can do stuff online or through a bank app instantly.

Stuff such as checking your account balances or paying bills can be done within 3 seconds without the need to travel several miles away to use your bank’s branch.

Moreover, a customer that can easily transfer money between his or her accounts through the use of a mobile app is going to be a very happy customer.

If they can keep track of where they’re spending their money or make cardless payments without the need to use a bank’s physical location, they will be happier.

With such great features as Instant Balance, you’re allowed to view your balances quickly. Another great feature such as Popmoney, enables you to pay people instantly.

With all these cool features, Macatawa Bank not only offers outstanding service to its customers but it is making their lives easier.

Find A Macatawa Bank Near Me

There are 30 locations, all are located in Michigan. The corporate address is 10753 Macatawa Drive, Holland, MI 49424. 12 are located in Kent county. 15 are located in Ottawa county. And 2 are located in Allegan county.

In sum, if you’re looking for a user-friendly and comprehensive online baking experience, the Macatawa Bank is for you.

Macatawa Bank Login

How do I access my Macatawa Bank online? The best way to access your account online is to login to your existing account here. There, you will be able to view your account statements, account balances and conduct your banking activities.

Or you can visit their website at www.macatawabank.com. The login button is found at the top right corner. If you need help finding your login info to log in into your Macatawa Bank, no worries. Contact customer service at their 24/7 phone banking (Macline) at 877-622-5700. Or via their customer experience team at 877-820-2265.

What if you forgot your online login password? If you’re trying to login to your Macatawa Bank online banking, and get an error message, click on the “did you forget your password?” link. You’ll receive a new password in your email to login.

Macatawa Bank Routing Number

For your savings and checking account, your routing number is 072413845.

Speak with the Right Financial Advisor

You can talk to a financial advisor who can review your finances and help you reach your goals. Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.


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