Since 1904, Apple Creed Banking Company has been an independent, community bank serving the residents of Wayne, Stark and Summit counties. The services of the bank include checking account, savings accounts, consumer loans, business loans and general services. The general services feature debit cards, money orders, safe deposit boxes, direct deposit, wire transfers, savings bonds, notary services, bank-by-mail and bank-by-phone. Apple Creed Banking Company's business loans include commercial loans and agricultural loans. The bank's policy for individuals of 62 years and over consists of a monthly no maintenance charge regular personal checking account when combined with any Apple Creek Bank savings account. It is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.