Wellness at the Core, a Deerwood Bank Client Story

Dr. Dustin Emblom has built his chiropractic practice on values like relationship, integrity, and genuine care for his patients. These are the same values, he says, that Deerwood Bank has for him, his family, and his practice.

Allied Chiropractic in St. Cloud is owned and operated by Dr. Dustin, who specializes in treating athletes that play rotational sports – specifically golf, baseball and softball. His mission is to help them live an active life doing what they love.

When Dr. Dustin bought the practice many years ago, he worked with a large, national bank on the purchase. He and his wife also had their personal accounts with the large bank, but found that the service was impersonal and high pressure. After years of dealing with large banks, they knew they needed a change.

Through relationship building, Dr. Dustin had been connected with Bethany Schwinghammer, a personal banker at Deerwood Bank. 

“The relationship really does make a difference.” 

When Dr. Dustin was on the hunt for a new location for his growing practice, he worked with Deerwood Business Banker Jacki Templin to determine his lending options. After experiencing a more personal approach to business banking, Dr. Dustin and his wife made the decision to move their business accounts and all of their personal accounts to Deerwood Bank. 

“The relationship really does make such a difference,” says Dr. Dustin. “It’s such a big difference from our previous banking experience. My wife and I both come from small towns, and that personal relationship and knowing our names is so important to us. It builds relationship and trust.” 

“I have advocates for me and my business.” 

When COVID-19 hit in 2020, Dr. Dustin again enlisted the help of Jacki to see what relief options were available for his practice. Thanks to Jacki’s quick response, Dr. Dustin said, he was able to secure a PPP loan to lessen the burden during a very unknown time.

“My experience at Deerwood Bank was not the same experience a lot of my colleagues had at larger banks. I heard horror stories about not getting funding, not hearing back, being told they would get an application in, but not actually doing it. What a mess,” Dr. Dustin says of the PPP experience. “I feel like I have advocates at Deerwood that watch out for me and my business.”

“Everything I need”

Allied Chiropractic uses almost all of the Deerwood Bank’s services – checking and savings accounts, real estate loan, line of credit, and online banking. “It’s everything I need,” Dr. Dustin says. “And if I’ve ever needed anything, I know I can just call my business banker and get an answer right away – and if she can’t answer my question, she’ll find out the answer.” 

Allied Chiropractic’s philosophy of wellness of the whole body is likened to how Deerwood Bank approached financial wellness. It’s a comprehensive approach, knowing that wellness includes financial wellness that leads to overall peace of mind.