ChoiceOne Financial Services, Inc. is a bank holding company. The Company operates through banking segment. The Company's subsidiary, ChoiceOne Bank (the Bank), is a full-service banking institution that offers a range of deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, demand deposits, safe deposit services and automated transaction machine services. It offers both commercial and consumer loans to corporations, partnerships and individuals. Commercial lending covers categories, such as business, industry, agricultural, construction, inventory and real estate. The Bank's consumer loan department makes direct and indirect loans to consumers and purchasers of residential and real property. The Bank's primary market area lies within Kent, Muskegon, Newaygo and Ottawa counties in Michigan. The Bank's subsidiary, Insurance Agency, sells insurance policies, such as life and health for both commercial and consumer clients.