Northern States Financial Corporation is the holding company for NorStates Bank (the Bank). The Bank is a commercial bank with eight branches in Lake County, Illinois. The Bank offers personal and business services. The Bank's personal services include checking, saving, loans and other services. Its checking services include high-yield checking; REALTunes checking; simple checking and MasterCard Debit Card with UChoose Rewards. Its savings services include junior savings, retirement services, certificates of deposit (CDs), personal savings and educational savings. The Bank's business services include checking, savings, loans and other services. Its checking services include simple business checking, small business checking, commercial checking, commercial interest checking and cash management. Its savings include business savings and CDs. It offers loans, such as mortgage loans, home equity loans and personal loans, lines of credit, real estate loans and term loans.