With 14 branches throughout the greater Puget Sound area this mutual savings bank has branches in Port Angeles and Poulsbo. Full service and federally insured, the bank was previously Washington’s Credit Union. Clay Williams is the Poulsbo branch manager. 1st Security Bank can be reached at (360) 779-4488. www.1stsecurityofwa.com

American Marine Bank:
   At this time, Jackie Burgess manages the Poulsbo branch, Mary Hoover the Silverdale branch, Mandy Colburn the Inland Village branch and Jan Sutherland is managing the Winslow Way branch.

Chartered in 1948 by Louis H. Goller, American Marine Bank has two offices on Bainbridge Island and branch offices in Poulsbo, Port Ludlow, Seattle, Silverdale located at 9490 Silverdale Way. American Marine offers free business checking accounts and has the only Trust and Investment department in Kitsap County. Rex Townsend has been the president and CEO since 1998. American Marine Bank will be opening an office in Kingston located at 26563 Lindvog Rd NE in May. The full service bank will be temporarily housed in a mobile unit while the office is being built. AMB’s headquarters are at 255 Winslow Way E. on Bainbridge Island, and can be reached at (206) 842 -5651. www.americanmarinebank.com

Bank of America:
   Operates 10 branches on the Peninsula. Branch locations include Bremerton, Kingston, Gig Harbor, Silverdale, Port Orchard, Bainbridge Island and Poulsbo. Bank of America offers both consumer and commercial banking services including a full line of mortgage and investment products. They also offer Saturday hours at some locations. The Port Orchard branch is one of only a handful of area banks to offer Canadian draft services and has a full service currency exchange service. Contact them at (360) 876-4471. www.bankofamerica.com

Columbia Bank:
   With 34 branches in the Puget Sound area, Columbia Bank is headquartered in Tacoma. President and CEO is Melanie Dressel. Columbia Bank is a local bank, strongly committed to its customers and the communities it serves. The cornerstone of Columbia Bank’s business approach is a return to friendly, old-fashioned banking, coupled with modern convenience and technology. The Kitsap branch is located in Port Orchard at the intersection of Sedgwick Road and Highway 16. Reach Port Orchard branch manager Rob Putaansuu at (360) 876-8384.

The Gig Harbor branch is at 5303 Point Fosdick Drive NW and manager Christine Gullett Thomas can be reached at (253) 858-5105. www.columbiabank.com

Frontier Bank:
   Frontier Bank remains a “high touch” bank, successfully maintaining the friendly service that has fueled its growth, which began 26 years ago. Founded in 1978, Frontier Bank is now the largest commercial bank headquartered in Western Washington. With its administrative office in Snohomish County, the bank has grown to include 39 branch offices throughout Kitsap, Clallam, Jefferson, Pierce, King, Skagit, Snohomish, and Whatcom Counties. CEO John J. Dickson and a team of over 600 employees head Frontier.

Frontier Bank offers a variety of services to meet the needs of businesses and consumers, alike, ranging from commercial loans to investment programs for individuals. www.frontierbank.com

KeyBank:
   With 62 KeyCenters (branches) located throughout the South Puget Sound region, KeyBank now has four locations in Gig Harbor and five branches in Kitsap County, including Poulsbo, Silverdale, Port Orchard and Bremerton. Additional peninsula locations include Port Angeles, Sequim, Belfair and Shelton.
Key’s parent company, Cleveland-based KeyCorp, is one of the nation’s largest bank-based financial services companies, with assets of approximately $84 billion.

Key companies provide investment management, retail and commercial banking, retirement, consumer finance, and investment banking products and services to individuals and companies throughout the United States and, for certain businesses, internationally. The company’s delivers its products and services through KeyCenters and offices; a network of ATMs; telephone banking centers (1.800.KEY2YOU); and a Web site, Key.com,“ that provides account access and financial products 24 hours a day.

KeyBank dates back to 1890 in the South Puget Sound region and ranks 13th among the most generous cash-giving companies in America, according to BusinessWeek’s December 1, 2003 special report “America’s Top Givers.” Its Web site is www.key.com.

Kitsap Bank:

Founded in 1908, Kitsap Bank is Kitsap County’s oldest and largest community bank. Headquartered in Port Orchard, it has branches in 26 total locations in six counties. It does business as Kitsap Bank in Kitsap and Mason Counties, and Olympic Bank — a division of Kitsap Bank, in Sequim, Port Angeles, Bonney Lake, Federal Way, and Olympia.

Kitsap Bank has a unique history. A rarity in banking, the company which was originally incorporated under the name Kitsap County Bank on July 23, 1908 (and began operations August 8, 1908), will soon celebrate its 96th anniversary. The bank is also set apart by its unique ownership and leadership track record, owned by the same family for the past 63 consecutive years. After Frank Langer’s 22 years as president from 1930 to 1952, his wife Hannah took the helm upon his death and served as president for 20 years, and subsequently as Chairwoman of the Board for an additional 14 years. Hannah Langer was distinguished as the first woman bank president west of the Mississippi River. Frank and Hannah’s daughter, Helen Langer Smith is Chairwoman of the Board today.

Led by President and CEO James Carmichael, Kitsap Bank/Olympic Bank has been awarded a 5-Star rating for 21 consecutive quarters by BauerFinancial, Inc., the nation’s leading independent bank rating firm. The SBA Lending Department is one of the largest and most active in the nation, and has been named a Preferred Lender by the U. S. Small Business Administration. The Port Orchard branch can be reached at (360) 876-7800. www.kitsapbank.com

Kitsap Credit Union:
   Is a financial cooperative established locally in 1934. Kitsap Credit Union offers a full line of financial products and services with membership eligibility open to anyone who lives or works on the Greater Kitsap Peninsula. Headquartered in Bremerton, it has branches in Bainbridge Island, Bangor, Bremerton, Bremerton High School (closed campus), East Bremerton, Keyport, Port Orchard, Poulsbo, PSNS, Silverdale, Gig Harbor, and will soon open branches in Kingston and Belfair. Elliot Gregg is the President and CEO of KCU.

Kitsap Credit Union can be reached at (360) 662-2000 or at (800) 422-5852. www.kitsacu.org

Peninsula Community Federal Credit Union:
   A not-for-profit financial cooperative serving the entire Olympic Peninsula, including anyone who works or lives in Kitsap, Clallam, Mason, Jefferson and Grays Harbor Counties. Peninsula is a full service Credit Union, specializing in consumer loans, checking and savings products, and first and second mortgage programs. Peninsula Credit Union has branch offices in Port Orchard, Belfair, and Shelton as well as a lending center in Silverdale. The president and CEO is Steve Gorseth; Gaye White manages the Port Orchard branch. You can contact the Port Orchard branch at (360)876-8898. If you are out of the area, (800) 426-1601 or visit www.pcfcu.org to learn more about the benefits of membership and the products and services available at Peninsula Community Federal Credit Union.

Rainier Pacific Bank:
   A community-based financial solutions provider serving Pierce County with two locations in Gig Harbor and Federal Way. Rainier Pacific offers a full range of products and services. Contact Rainier Pacific Bank at (800) 228-2858 or (253) 926-4000. www.rainierpac.com

Sound Credit Union:
   Is a member-owned cooperative financial institution, the credit union now has over 43,000 members, assets exceeding $235 million and has grown to serve all communities in the State of Washington. Sound Credit Union has nine branch locations and offers a full array of financial services.

The Gig Harbor Branch is located at 4521 Point Fosdick Drive NW. and the Key Center is located at 8920 Key Peninsula Hwy N. Both branches can be reached at (253) 383-2016.www.soundcu.com

Sterling Savings:
   Bainbridge Island has the only branch found in Kitsap County of this bank. The branch manager is Shaun Stephenson. Sterling Savings currently has branches throughout Washington, Oregon, Idaho and Montana. Bank president is Dave Bobbitt. Sterling offers a full range of commercial and consumer services. This includes financial services through its Harbor Financial office and mortgage services through Action Mortgage. The bank’s Bainbridge branch phone number is (206) 842-8676. www.sterlingsavingsbank.com

Timberland Bank:
   The bank has two full-service branches in Kitsap with the plans to open a branch in Gig Harbor this year, tentatively scheduled for June. The branch in Silverdale is located at 2401 Bucklin Hill Rd. and can be reached at (360) 337-7727. The second branch is in Poulsbo at 20464 Viking Way NW. Bank president is Michael Sand. Headquartered in Hoquiam, the bank offers real estate loans, construction loans, FHA and home improvement loans as well as a full line of business deposit products. The Poulsbo branch can be reached at (360) 598-5801. www.timberlandbank.com

U.S. Bank:
   Providing financial services to consumers and businesses through more than 180 branches in Washington. The services available at U.S. Bank include a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products. There are two commercial loan officers who service the area out of the Bremerton location. Other local U.S. Bank locations include Silverdale, Port Orchard and Gig Harbor.
U.S. Bank is home of the Five Star Service Guarantee which assures customers of certain key banking benefits and services or customers will be paid for their inconvenience. www.usbank.com

Venture Bank:
   It has two locations in Gig Harbor. The Pioneer Way Branch can be reached at (253) 853-5000. The Point Fosdick branch at (253) 853-3500.

Venture Bank, locally owned and independently operated, now has 20 offices in four Western Washington counties. It offers a full spectrum of financial services, including commercial, construction, residential and consumer lending, deposit products and other banking services. The Bank also provides a broad range of investment services through its subsidiary, Venture Wealth Management.

“We’re very entrepreneurial and independent – an ethic that reflects our Northwest roots,” said Bank President Jon M. Jones. “Our employees are empowered to take banking beyond the ‘transaction’ – to create an exceptional experience for the customer. Jones added. www.venture-bank.com

Viking Bank:
   Headquartered in Ballard, there are branches in Poulsbo, South Seattle, Fife, South Tacoma, and Bellevue. Helen Ralph, commercial loan officer, specializes in SBA loans and Donna Whitehurst is the retail branch manager.

The bank specializes in mortgage loans, plus business and personal banking. They offer insurance products such as consumer and commercial life, health disability, and home insurance. Reach the Poulsbo branch at (360) 394-1701. www.vikingbank.com

Washington Federal Savings:
   The second largest independent bank in Washington State, this institution is 87 years old and is headquartered in Seattle. It operates in eight states and has 117 branches, two of which are in Kitsap County – in East Bremerton and Poulsbo. There also is a branch in Sequim. Marilyn Hineman manages the Bremerton branch and Larry Elfendahl manages the Poulsbo branch. The bank offers residential loans, custom construction loans, land development loans and personal banking services. Elfendahl states, “Construction lending is our niche and strength.” Contact the Poulsbo branch at (360) 779-2111 or the Bremerton branch at (360) 479-4040. www.washfed.com

Washington Mutual:
   One of the largest banks in the United States, Washington Mutual was founded in Seattle in 1889 and helped people rebuild after the great Seattle fire. It is a full-service bank and has in recent years expanded its services to include small business accounts for businesses with between one to 25 employees. This includes free checking accounts and lines of credit. It also has subsidiaries providing an array of services ranging from securities brokerage, mutual fund management, underwriting for insurance annuities, to life and property/casualty sales. Washington Mutual operates local branches in Bremerton, East Bremerton, Port Orchard, Poulsbo, Silverdale, Bainbridge Island, Belfair and Gig Harbor. There also is a mortgage loan office in Silverdale. Reach their toll-free 24-hour customer service number at (800) 788-7000. www.wamu.com

Westsound Bank:
   Is based in Kitsap County. President and CEO is Dave Johnson. It has 4 branches, Bremerton, Silverdale, Port Orchard and Port Angeles, with more on the drawing board. The Silverdale branch is managed by Cherie Larson, with its phone number being (360) 692-9201; Jodi Doss manages the Port Orchard branch and can be reached at (360) 895-9009. The bank offers a courier service which is an added convenience for the business person. Westsound Bank offers owner construction services and a multitude of business banking products. The headquarters and Bremerton branch can be reached at (360) 405-1200. www.westsoundbank.com

Wells Fargo Bank:
   Completed its acquisition of Pacific Northwest Bancorp in October 2003 and will complete conversion of former Pacific Northwest Bank locations to Wells Fargo on April 24.

Following the combination of the two companies, Wells Fargo will operate 133 locations in Western and Central Washington – an increase of 155 percent for PNWB customers and 29 percent for Wells Fargo customers.

In Washington, Wells Fargo locations include Bainbridge Island, Bremerton, Gig Harbor and Silverdale. The company employs more than 3,600 team members statewide. In the past seven years, the company has given more than $12 million to support community projects and causes in Washington.

To contact a local Wells Fargo banker, call (206) 842-1860 on Bainbridge Island; (360) 478-8660 in Bremerton; (253) 593-5882 in Gig Harbor; and (360) 698-1152 in Silverdale. The 24-hour customer service number is (800) 869-9557.

Wells Fargo’s history in Washington dates back to 1857, when the company opened agencies in logging towns on the Puget Sound, in Olympia, Port Townsend and Whatcom (Bellingham). In 1859, Wells Fargo opened offices in Seattle and Steilacoom.

Today, Wells Fargo & Company is a $388 billion diversified financial services company that provides banking, insurance, investment, mortgage and consumer finance from more than 5,900 financial services stores, 6,000-plus ATMs and the Internet across North America and elsewhere internationally. www.wellsfargo.com

   Just about all of the banks and credit unions represented above have a mortgage lending operation. Major regional and national banks with a mortgage lending presence in the area, but no active local banking branches include Golf Savings Bank, 1st Federal Savings and Loan of Port Angeles, Countrywide Funding, which is owned by the Bank of New York, Chase Manhatten, Peoples Bank and Homestreet Bank.