ESTABLISHED 1883
BankingNews
200 S. Banker Street
Effingham, IL 62401
Mobile Banking: Coming Soon!
Bank anywhere and anytime, from your cell phone
Go Mobile
banking on the go.
200 S. Banker Street
217-347-7173
E
verything has been made
easier with smart phones,
so why not banking? Mobile
banking has come a long way
over the past few years. What
once started as simple text or
SMS banking, now allows you
to transfer funds, view accounts
and pay bills.
Lobby Hours:
Monday-Thursday - 8:30 am-4:30 pm
Friday - 8:30 am-5:00 pm
Saturday - 8:30 am-12:00 noon
Drive-thru Hours:
Monday-Thursday - 7:30 am-5:00 pm
Friday - 7:30 am-6:00 pm
Saturday - 7:30 am-12:00 noon
24-Hour ATM
Holiday Calendar
A list of our hours during the upcoming Holiday Season
Veterans Day
Friday, November 11 - CLOSED
Monday-Thursday - 8:30 am-4:30 pm
Friday - 8:30 am-5:00 pm
Saturday - 8:30 am-12:00 noon
Thanksgiving Day
Thursday, November 24 - CLOSED
24-Hour ATM
Christmas Day
Monday, December 26 - CLOSED
• Transfer Funds
• View Accounts
• Pay Bills
It is so easy
to use, you
won’t even
believe
you’re
banking.
Look for
this service
to be
available in
November
2011! Stop by either
location to learn more about
banking on the go.
Investing in you
Family. Home. Community.
I
n our last campaign we
announced we had $10
Million to loan. We are proud
to announce the success of
that campaign. And yes, we
still have money ready and
available to lend. We are a
local bank that invests in it’s
community.
For over 128 years we’ve invested
in your family, your home and
your business. It gives us great
pride to know that we are a part
of this community.
We offer the perfect blend
of security, convenience and
friendly service for you and your
entire family.
Let us invest in you.
Use a Travel Card
Great for traveling or college students
ravel safe and smart with the
Travel Card from Washington
Savings Bank.
Drive-thru Hours:
Monday-Thursday - 7:30 am-5:00 pm
Friday - 7:30 am-6:00 pm
Saturday - 7:30 am-12:00 noon
We are proud to announce
Go Mobile, banking on the go.
It lets you access all of your
accounts anytime, anywhere
with your mobile phone/device
and its free!
T
1300 N. Keller Drive
217-347-7127
Lobby Hours:
3rd Quarter 2011
Washington Savings Bank Quarterly Newsletter
The Travel card is
safe and easy to
use and can be
used anywhere
MasterCard
debit cards are
accepted. You
can use it to get
cash in the local
currency at ATM’s and avoid the
hassle of Traveler’s Checks. Most
importantly,
it’s easy
to replace
and not
attached to
your bank
account.
No more
worries. No
more hassle.
Also, great for that college
student in your life. Load the
card for your college student to
use while they’re away.
With the Travel Card from
Washington Savings Bank, you
too can focus on the important
things like family, time together,
and the adventure of the open
road.
{ Fun Facts }
Customer appreciation luncheon
big success
Good food and great company
R
W
Martin’s IGA cooked
Porkburgers, served with
chips, a drink and a cookie.
If you are not planning being
in your home long term, your
interest savings may not be
large enough to overcome
the costs associated with
refinancing.
What better way to
celebrate our customers.
T
Here are some uses for this
historical coin:
•C
heck your car’s tires by
placing one head down
between the tire tread
grooves. Replace the tires if
you can see Lincoln’s whole
head or any of the “In God
We Trust” letters above his
head.
• F ind a penny heads up to
have good luck.
•P
lace them in the hems of
your drapes to make them
hang smoothly.
•U
se as a spacer when
laying tile.
• Increase the bloom time
of cut flowers by adding a
copper penny to the water in
your vase.
In case we haven’t said it enough
“Thank you for banking with us!”
Five Star Customer Service
Some choose to refinance in
order to improve monthly cash
flow. Even if, in the long run you
pay more, it might make sense
in the short term to refinance if
it will ease your immediate cash
flow problems. This could even
be the key for you to get out
of credit card debt because
it frees up more cash flow to
apply towards that debt.
Washington
Savings Bank
had the honor
of being
Chamber
Member
of the Month
in September. A small
presentation was given at
the Customer Appreciation
Luncheon on September 7th.
Our Keller Drive location
is here to serve you. They
are a full-service location
and can help you with all
your banking needs.
Christmas Club
Stop by or call today!
1300 N. Keller Drive
217-347-7127
Have you had a Five Star Experience? Share your story!
E-mail us at: [email protected]
Thinking about next Christmas already? Start saving now
O
ne way to budget for the
added expense of gifts,
food and decorations over the
holidays is to take advantage of
a Christmas Club.
The concept is simple and with
a minimal commitment, you can
be well prepared for the next
holiday shopping season. Each
month you put aside a small
amount into your account. This
amount is determined by you
4 Kids
Teaching kids about
money and how to save
Stop by one of our locations to
talk with a loan officer about
what options you may have.
Did you know?
Your Five Star Team!
Whether you need a loan
or want to open a new
checking account, they
are ready to serve you.
money ¢ents
Thinking about refinancing? Stop by to see what
we can do for you
efinancing at a lower rate,
can save you thousands of
dollars. However, before you
refinance, you need to make
sure the savings will overcome
the costs that often come with
refinancing. There are closing
costs and origination fees to
consider.
e had a great turnout on
Wednesday, September 7th at
our Customer Appreciation Luncheon.
It was a beautiful September
day to sit and enjoy a tasty
lunch.
he Lincoln penny was the
first U.S. coin to feature
a historic figure. President
Abraham Lincoln has been
on the penny since 1909, the
100th anniversary of his birth.
Mortgage rates at an all-time low
and you can even have it direct
deposited to your account. All
you need to open your Christmas
Club account is $1.00.
Come by today to talk to us
about how you can start saving
and take the stress out of holiday
shopping next year.
Check out our rates on our
website: www.
washingtonsavings.net
T
he three jars method is a
very easy way to teach
your child the importance of
saving their money.
Take three jars and label them
as follows: one for SPENDING,
one for SHARING and one for
SAVING.
A good way to divide their
money into these jars, is:
30% into SPENDING, 10%
into SHARING and 60% into
SAVING.
How should this money be
used? SHARING, choose a
cause that you’re interested
in and donate regularly.
SPENDING, this money can
be used at any time for small
purchases, like a baseball or
a CD. SAVING, this is where
you’ll save for the future, both
short-term and long-term.
This is a good beginner’s
budget as well. Start saving at
any age!