Wichita Emprise Bank: A Comprehensive Guide to Banking Excellence

Introduction

Wichita Emprise Bank is a leading financial institution serving the Wichita metropolitan area and surrounding communities. With a rich history spanning over a century, the bank has established itself as a trusted and reliable banking partner for individuals, families, and businesses alike.

History and Heritage

Wichita Emprise Bank traces its roots back to 1903, when it was founded as the State Bank of Murdock. Over the years, the bank has undergone several mergers and acquisitions, each contributing to its growth and expansion. In 2017, Mid-Kansas Federal Credit Union and Wichita Federal Credit Union merged to form the parent company of Wichita Emprise Bank. Today, the bank operates as a wholly-owned subsidiary of Emprise Bank Holding Company.

Mission and Values

Wichita Emprise Bank's mission is to "provide exceptional banking services that meet the unique needs of our customers while fostering a positive and inclusive work environment." The bank's core values include:

• Integrity: Acting with honesty, transparency, and fairness in all interactions.
• Service Excellence: Providing superior customer service and personalized solutions.
• Community Involvement: Engaging actively in the communities it serves.
• Innovation: Embracing technology and new ideas to enhance the banking experience.

Products and Services

Wichita Emprise Bank offers a comprehensive suite of banking products and services, including:

Personal Banking
- Checking and savings accounts
- Loans (personal, auto, home equity)
- Credit cards
- Mortgages

Business Banking
- Business checking and savings accounts
- Loans (business, operating, equipment)
- Cash management services
- Merchant services

Investment Services
- Investment accounts
- Financial planning
- Retirement planning

Technology and Innovation

Wichita Emprise Bank recognizes the importance of technology in providing convenient and secure banking services. The bank offers a range of digital banking options, including:

• Mobile banking for seamless access to accounts on smartphones and tablets
• Online banking for managing finances from anywhere with internet access
• eStatements for paperless account statements
• Text banking for quick and easy account updates

Community Involvement

Wichita Emprise Bank is deeply committed to giving back to the communities it serves. The bank supports a wide range of local organizations through donations, sponsorships, and volunteerism. Some of the organizations the bank has partnered with include:

• United Way of Greater Wichita
• Kansas Food Bank
• American Red Cross
• Ronald McDonald House Charities of Wichita

Financial Performance

Wichita Emprise Bank is a financially sound institution with a strong track record of profitability and growth. In 2022, the bank reported total assets of $1.4 billion, total loans of $920 million, and total deposits of $1.1 billion. The bank's Tier 1 capital ratio, a measure of financial strength, is consistently above industry averages.

Why Wichita Emprise Bank Matters

Choosing the right banking partner is crucial for financial success. Wichita Emprise Bank offers several compelling reasons why it should be your bank of choice:

• Local Decision-Making: As a locally owned and operated bank, Wichita Emprise Bank understands the unique needs of the Wichita community and can make lending and investment decisions quickly and efficiently.
• Personal Relationships: The bank's experienced bankers build lasting relationships with clients, providing personalized service and tailored financial solutions.
• Community Involvement: Wichita Emprise Bank is dedicated to supporting the growth and well-being of the local community, giving back through donations and volunteerism.

Benefits of Banking with Wichita Emprise Bank

• Competitive interest rates on deposits and loans
• Low fees and service charges
• Convenient access to accounts through digital banking and branch locations
• Personalized service from knowledgeable bankers
• Commitment to community involvement

Pros and Cons of Wichita Emprise Bank

Pros:
- Strong financial performance
- Local decision-making
- Personal relationships
- Community involvement

Cons:

• Limited geographic reach
• May offer fewer products and services than larger banks

Stories and Lessons Learned

Story 1:

A small business owner needed funding to expand his operations. Wichita Emprise Bank provided him with a business loan customized to meet his unique needs. The loan enabled the business to grow and create new jobs.

Lesson Learned: Local banks like Wichita Emprise Bank are often more flexible and willing to support small businesses than larger institutions.

Story 2:

A family was struggling to make ends meet after a job loss. Wichita Emprise Bank worked with them to restructure their mortgage and reduce their monthly payments. This allowed the family to keep their home and get back on their feet financially.

Lesson Learned: Banks can be a valuable resource for financial assistance during difficult times.

Story 3:

A young professional needed help managing her finances and planning for the future. Wichita Emprise Bank's financial advisors provided her with personalized guidance and investment recommendations, helping her achieve her financial goals.

Lesson Learned: Working with a trusted financial advisor can help you make informed decisions and reach your financial aspirations.

Frequently Asked Questions (FAQs)

Q: What is Wichita Emprise Bank's FDIC insurance limit?
A: $250,000 per depositor, per insured bank.

Q: What are the bank's routing and account numbers?
A: The routing number is 103920817, and you can obtain your account number by contacting the bank.

Q: How can I open an account with Wichita Emprise Bank?
A: You can open an account online, at any branch location, or by calling the bank's customer service line.

Q: What are the bank's hours of operation?
A: Branch locations are typically open Monday through Friday from 9:00 AM to 5:00 PM.

Q: Does Wichita Emprise Bank offer mobile banking?
A: Yes, the bank offers mobile banking services through its mobile app.

Q: Is Wichita Emprise Bank a member of the Zelle network?
A: Yes, the bank's customers can use Zelle for person-to-person payments.

Q: How can I schedule an appointment with a financial advisor?
A: You can schedule an appointment by calling the bank's customer service line or visiting a branch location.

Q: What is the bank's policy on late payments?
A: Late payment fees may apply depending on the type of account and the terms of the loan agreement.

Conclusion

Wichita Emprise Bank is a trusted and reliable banking partner that has served the Wichita community for over a century. With its competitive rates, low fees, and commitment to personal service, Wichita Emprise Bank is the ideal choice for individuals, families, and businesses seeking exceptional banking experiences. By choosing Wichita Emprise Bank, you will not only benefit from superior banking services but also contribute to the growth and well-being of the local community.

Tables

Table 1: Financial Performance Summary

Table 2: Customer Satisfaction Ratings

Table 3: Community Involvement Highlights