Customer Appreciation Party Holiday Lobby Party

Fall 2014
What’s Inside:
NEWS FROM CITIZENS STATE BANK OF LOYAL
s For Our
Please Join U
y
t
r
a
P
y
b
b
o
L
y
a
d
i
l
o
H
• Holiday Lobby Party
• Banking Made Easy
• Customer Appreciation Party
• New Technology at Citizens State
Bank of Loyal
• Keys to Building an Emergency
Fund
• Protect Your Financial Data
• Sweet Potato Gratin Recipe
• CSB Key Club Trip
• Christmas Club Savings
• Holiday Hours
Message From the President
Banking Made Easy
23, & 24
,
2
2
r
e
b
m
e
c
ations
De
ider at all loc
C
Loyal
ee, Hot Apple
Cookies, Coff oyees of Citizens State Bank of age.
The empl
your patron
thank you for
y season.
would like to
happy holida
d
n
a
fe
sa
a
y
May you enjo
You’re
Citizens State Invited To
Bank of Loyal’
s
26th A
Customer Appreciatio
nnual
n Party
Sunday, Dec
American Leg
Music Provid
ember 7th, 2
ion Hall, Loya
014
l, WI
ed By: Hause
r’s Hotshots
2:00 P.M.—5:
15 P.M.
Immediately
followed by a
Buffet Dinner
Chicken & Bee
of
f Tips with al
l the trimmin
g
s.
Key Club Mem
bers
$7.00
CSB Customer
$1
0.00
Guest of CSB
Members
Door Prizes
$15.00
Loyal 715.255.
Limited Seatin
g Available
Poinsettias
8526 • Granto
n 715.238.7169
• Neillsville 71
Spencer 715.65
5.743.7494
9.5159 • Marsh
field 715.486.
8151
Reservations
& Payments d
ue by
Wednesday, N
ovember 19th
Travis Holt, President & CEO
Citizens State Bank is proud
to announce the release of its
newly designed internet banking
suite featuring the introduction of
Mobile Banking to our collection
of services. The upgrade to
mobile banking will allow all
of our customers to view and
execute transactions from literally
anywhere in the world through
a secure and efficient electronic
channel.
Efficiency, accuracy and ease
of use are the first things to come
to mind with this technology
rollout. Whether it is transferring
funds from one account to
another, paying monthly expenses
through our Bill-Pay system,
depositing a check through our
CSB Mobile App or using another
of the numerous features, we are
confident that our customers will
appreciate the advancements that
Continued on back
New Technology at
Citizens State Bank
of Loyal
Technology has been one of the
biggest driving forces in the financial
industry since the first bank was
formed. In Citizens State Bank’s 105
years in business we’ve seen many
advancements. From calculators to
tubes at the drive up, and online
banking to most recently an iPhone
app; CSB has always striven to offer
you the services and technology to
make it easy for your money to work
harder.
Recently we updated our Bank
core processing system to offer you
more services, including a better
online banking experience and
interaction with CSB. This includes a
streamlined enrollment process
providing you with quicker, secure
access to your accounts. With our
enhanced Internet Banking, Bill Pay,
Mobile Banking, Voice Banking
(formerly known as Dial-A-Bank) and
eStatements, you will have access to
your accounts like never before.
For those of you who have been
customers of CSB, we truly appreciate
you taking this journey with us. We
hope the destination exceeds your
expectations from our old system to
our new one.
If you have never tried our online
services, now would be a great time to
experience the security and
convenience of these services. They
are an easy way to monitor your
finances and protect yourself from
fraudulent activity on your accounts.
Along with security, you’ll also be
playing a part in saving some natural
resources. By switching to electronic
bills, statements and payments, every
year the average household would:
• Save 6.6 pounds of paper
• Avoid releasing 63 gallons of
wastewater into the environment
• Avoid using 4.5 gallons of gasoline
to mail bills, statements and
payments
To learn more visit our website at
csbloyal.com or talk to one of our
Customer Services Representatives to
find out how to get started.
Protect Your Financial Data:
Monitor Your Credit Report!
Do you know your current credit
score? When was the last time you
checked your credit report? Your credit
score affects many aspects of your life,
including interest rates on large
purchases, obtaining loans, renting an
apartment and even applying for a job!
Here are a few important facts to keep
in mind when monitoring your credit
score.
Check Frequently - For Free! First
and foremost, make sure you check
your credit report three times per year
(one for each of the three major credit
reporting agencies: Experian,
TransUnion and Equifax). You can do
so for free by visiting
www.annualcreditreport.com. This is
especially important to do a few
months prior to major purchases like a
house or vehicle.
Watch for Unauthorized
Transactions. Second, use this check
of your credit report to protect your
identity. Unauthorized accounts, loans
or purchases will damage your credit
and let you know someone has stolen
your identity. This is also important
because your credit report has
information on current and previous
addresses, your social security
number, and the number of times you
have applied for credit. All of this
information is valuable to identity
thieves and needs to be checked
regularly.
So what do you do if your credit
report is inaccurate? You can dispute
errors on anything from inaccurate late
payments to accounts that aren’t
yours. You can also dispute falsely
reported bankruptcy, or a bankruptcy
that has stayed on your report for
longer than the ten-year limit. You can
make the dispute online, by mail or
over the phone. To dispute via the
Internet or phone, you must have
ordered a copy of your credit report
within the past month and you will
need to provide the credit report
number. Once you have the necessary
information assembled, contact the
credit bureau associated with the
inaccurate report (Experian,
TransUnion or Equifax).
In Between Reports. Since you can
only check your full credit report every
few months, monitoring your accounts
on a daily basis is a key component to
keeping your financial data secure.
Utilize free tools like online banking,
mobile alerts, and electronic bank
statements to track your accounts.
Watch for unauthorized or strange
purchases or charges, even small ones.
Sometimes, when financial information
is stolen, the criminal may make a
small purchase to see if the
information is accurate. If the small
transaction goes through with no
problems, the thief goes on a shopping
spree - with your money!
If you notice unauthorized activity
on any of your financial accounts, your
first step should be to contact your
bank using the phone number on your
statement or on the back of your
credit/debit card. They will help guide
you through the process of cutting off
the compromised account and
switching to a secure one.
This Consumer Column provided
by the Wisconsin Bankers Association.
Keys to Building an Emergency Fund
CSB Key Club invites you
Netherlands,
Belgium & Paris Trip
featuring Normandy & Historic
Bruges & Volendam
September 7‐19, 2015
There are so many highlights on
this journey to the Netherlands,
Belgium and Paris that it is difficult, if
not impossible to describe them all in
one place-so let’s look at one
experience you’ll have that is sure to
be at the top 5 of your list of favorites.
After your relaxing dinner and cruise
on the Seine River through Paris, the
next morning you will board the coach
for an unforgettable day at Normandy.
You will have a guided tour of two of
the most famous beaches on the
Normandy Coast, Omaha and Gold
Beaches. We have arranged to have
very personal dedications at both
beaches on behalf of our group.
Experience the color and glory of
this leisurely-paced tour through the
Netherlands, Belgium and Paris. Start
your horticulture experience with a
visit to the Hortus Botanicus, a secret
garden located in the heart of bustling
Amsterdam. Float in the canals of
Amsterdam. Enjoy a tour of a family
owned brewery, with a free taste to be
sure. Allow yourself to journey back
into medieval times with a
leisurely-paced guided walking tour in
one of Europe’s most perfectly
preserved medieval cities. Enjoy a day
in the village of Volendam where you
feel like you have stepped into “Old
Holland” and maybe see fisherman
dressed in baggy-legged trousers. Visit
the city of Brussels, Walk the
boulevards of Paris, city of lights. Visit
the home of Claude Monet, and
perhaps have a coffee in a cozy bistro
watching the world go by
Parisian-style-it’s Paris your way! All
this and so much more.
Maintaining an emergency fund is
a key component to reaching
financial stability. Most consumers
understand how important having
this "rainy day fund" is, but it can be
difficult to figure out how to start
one. Another common question is
how much you need to save. Here
are three steps to help you get your
emergency fund started or rejuvenate
it if you've already started one.
Identify your savings goals. The
first step in any savings plan is to
determine how much you want to
save and how quickly you want to
set that money aside. Generally,
experts advise keeping between
three and six months worth of your
living expenses set aside in your
emergency fund. Once you've
calculated that amount, (be sure to
include scheduled payments like
rent/mortgage, student loans, etc.)
determine a reasonable timeframe
for achieving your goal. For
example, if you want to save $9,000,
a target of three months would mean
putting $3,000 into the fund every
month. For most households, that is
not realistic. A better timeframe goal
would be eight or nine months.
Start small. Whether your goal is
to set aside $1,000 or $10,000, it all
starts with that first extra dollar
saved. If you're just starting your
emergency fund, even finding $25
extra each month to put away can
increase your confidence. Gradually
increasing the amount you save will
keep you from getting discouraged.
Setting up an automatic transfer with
your bank can help with this. You
can start by transferring $25 each
month from your checking account
to your savings account. Then, start
adding any windfalls or budget
surpluses. That way, each month
you're saving at least your
minimum; anything in addition to
that is a bonus to yourself.
Finding the extra cash. This is
the most difficult part for most
people. Sometimes, finding the
money to deposit into your
emergency fund account each month
will be a struggle. If you can't
tighten up the monthly budget any
more, consider adding profits from
garage sales. Another strategy is to
start taking a bagged lunch to work
and/or school. Put the money that
you would have spent on lunch
directly into your emergency fund so
you're not tempted to spend it
elsewhere. Another quick way to
save is on your morning coffee. Even
if it's only $4.00 each day on your
way to work, that's $85 that could
be sitting in your emergency fund at
the end of the month if you brewed
at home instead.
Taking these three steps will help
you start and grow your family's
emergency fund, giving you peace of
mind that you can weather
unexpected financial storms. For
more advice about setting up an
emergency fund, talk to your local
banker about specific accounts that
fit your needs.
Holiday Hours
• Thursday, November 27th Thanksgiving – Closed
• Wednesday, December 24th Christmas Eve –
Closing at Noon
• Thursday, December 25th Christmas Day –
Closed
• Wednesday, December 31st New Year’s Eve –
Open Regular Hours
• Thursday, January 1st New Year’s Day - Closed
Remember that we have 24 hour banking with our
Voice Banking - 715.255.8419 or Toll Free 877.257.3304
Online Banking – www.csbloyal.com and four ATMs.
Banking Made Easy - Continued from front
are seen within this banking channel.
If you haven’t yet seen the capabilities
of our electronic banking offerings, I
encourage you to visit our website at
www.csbloyal.com and take a tour of
the online and mobile banking services.
I would also like to assure you
that the security of your information
and money is at the forethought of all
programs at Citizens State Bank. While
our new systems are easy to use, they
also employ leading technology to
ensure that the information that you
transmit through the various banking
channels is secure. This technology,
combined with your prudent use of
security features such as passwords and
software updates, will help to ensure
your personal and financial security
and privacy.
With all of the technology updates
that are being implemented at the
bank, we continue to see the majority
of our customers visiting our offices to
conduct their banking business. With
locations in Loyal, Granton, Neillsville,
Spencer and Marshfield, we have an
office conveniently located to serve
you. Just as we are investing in new
technologies for online and mobile
Save for the 2015
Holiday Season Now!
Ingredients:
Butter for baking dish, softened
divided
2 cups heavy cream or half & half*,
peeled &
,
3 large or 4 medium sweet potatoes
about
sliced lengthwise on a mandoline to
1/8-inch thickness, divided
Cru® cheese
2 cups (8 ounces) Wisconsin Grand
ese,
che
tyle
ne-s
alpi
or other Wisconsin
shredded, divided
to taste
Salt and freshly cracked black pepper,
l
6-8 sage leaves for garnish, optiona
erole
to 375°F. Lightly butter 2-quart cass
Cooking Directions: Preheat oven
potatoes
et
half into dish. Begin layering swe
dish. Pour 1/4 cup cream or half &
ut 1/2
be making 4 layers. Top with abo
over cream so they overlap. You will
; top with
taste; add second layer of potatoes
cup cheese and salt and pepper to
pour 1/2
r,
laye
nd
seco
r
pepper to taste. Afte
about 1/2 cup cheese and salt and
cheese
cup
1/2
r,
. Top with third potato laye
of remaining cream over potatoes
with
e
nkl
aining cream over top and spri
and fourth potato layer. Pour rem
over top.
es, arrange them in pretty pattern
remaining cheese. If using sage leav
ove
rem
foil and bake about 45 minutes;
Cover casserole dish with aluminum
orbed and
minutes, until cream has been abs
foil and bake additional 30 to 40
sit,
Remove casserole from oven and let
potatoes are tender to knife blade.
ings: 6-8
Serv
e.
serv
and
set. Cut into squares
Board.
eting
covered, for at least 20 minutes to
Mark
Milk
n
onsi
Wisc
of
Recipe Courtesy
Citizens State
Bank of Loyal
www.csbloyal.com
banking, we are also continuing to
invest in our staff and facilities so that
we are able to offer the best financial
advice to all of our customers.
As we are quickly coming to the end
of the year, I would like to personally
invite you to our annual Customer
Appreciation Party on December 7th.
Please plan to join us for a wonderful
afternoon of music, socializing and
good food! All of the staff at Citizens
State Bank wish you and your loved
ones a joyous holiday season and thank
you for your continued confidence in
Citizens State Bank of Loyal.
Think it’s too early to save for
next holiday season? Think again! By
opening a Christmas Club Savings
account at CSB, you can build a tidy
sum for next Christmas and avoid using
credit cards. Funds saved are sent to
you via check in the Fall, just in time
for your holiday shopping.
Call today to start your Christmas
Club Savings account.
400 N. Main Street • LOYAL, WI 54446 • (715) 255-8526 • Toll Free (800) 599-8399
103 W. McMillan Street, Suite 1 • MARSHFIELD, WI 54449 • (715) 486-8151
110 Maple Street • GRANTON, WI 54436 • (715) 238-7169
2 Boon Boulevard • NEILLSVILLE, WI 54456 • (715) 743-7494
302 S. Pacific St. • SPENCER, WI 54479 • (715) 659-5159