Harbor Springs Financial Corporation, established in 1975, actually came into existence in 1896 as a community bank. The bank was a three-story brick building, which has served as the bank's Harbor Springs main location since it was founded. In 1905, the necessary steps were taken to obtain a bank charter from the state of Michigan, and in that year the bank opened for business under the name of Emmet County State Bank. The bank became a member of the Federal Deposit Insurance Corporation in 1933 and a member of the Federal Reserve System in 1937. The bank s premium checking account continues to outperform the big bank money market funds and earns a higher yield than most short-term CDs. The bank s premium checking account funds are available daily and insured up to $100,000. Harbor Springs Financial is located in Harbor Springs, Mich.
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