The Athens library and historical society also moved their accounts, says Ms. Henckel, who is on the boards of both organizations.

WSJ: After Years of Growth, Banks Are Pruning Their Branches

The shutdown prompted Mr. Henckel's daughter-in-law to pull her personal accounts out of Southern Michigan and move them to the Kellogg Community Federal Credit Union in Battle Creek.

WSJ: After Years of Growth, Banks Are Pruning Their Branches

"If anyone came in looking for a donation, they were quick to do it, " says Terry Henckel, who has lived in Athens for 65 of his 74 years.

WSJ: After Years of Growth, Banks Are Pruning Their Branches

"Southern Michigan may not care that they lost my business, but I bet they lost more than they thought they would, " says Judi Henckel, a teacher at the local high school.

WSJ: After Years of Growth, Banks Are Pruning Their Branches