FIRST NATIONAL
BANK
Priority Club/Golden Opportunity Club
Calendar of Events
Plant Day
May 1, 2015
Priority Club Golf Tournament
June 5, 2015
Sign Up Starts May 1, 2015
Sign up early as there are limited spots available.
Tournament fills up annually.
Tianna Country Club, Walker, MN
State Fair Trip
September 3, 2015
Priority Club Fish Fry
September 9, 2015
Italian Vistas
September 26-October 8, 2015
Christmas Open House
December 4, 2015
Italian Vistas September 26-October 8, 2015
Join us as we travel to Italy to take in the historical and artistic heritage of that vibrant country. A
deposit of $250 is due upon reservation with final
payment due 7/28/15. Travel insurance can be purchased for an additional $260. Don’t miss this trip
of a life time! For more information and availability
call Jeanette Goehring at 218-547-1160
May 2015
The First National Bank of Walker
Merges with Lakes State Bank
Walker Banco, a holding Company held by the
Elsenpeter family is pleased to announce the merger of two of their banks, The First National Bank of
Walker and Lakes State Bank of Pequot Lakes. As of
April 13th customers will do business as usual at all
nine locations under the name First National Bank.
Mike Elsenpeter will continue as President of the
northern locations in Walker, Backus, Hackensack,
Longville, Remer and Akeley. Dave Elsenpeter will
serve as President of our newest southern locations
in Baxter, Pequot Lakes and Crosslake.
The Merger of The First National Bank and Lakes
State Bank will strengthen the banks presence in
north central Minnesota and it will help with operational efficiencies and provide the necessary liquidity to fund the loan demand. In addition it will expand the customer base along with strengthening our
market share in the area while continuing to provide
competitive products and services to you, our customers.
If you should have any questions in regards to the
merger of The First National Bank and Lakes State
Bank, please contact Mike at 218-547-1160 or Dave
at 218-822-4480.
Welcome
Cultivate Healthy Minds
Investment Services
Do you recall times in the garden when, after weeding a row of flowers, you had more energy? Or after
a walk outdoors, you felt more peaceful? If so, you
experienced the therapeutic benefits of horticulture,
and you are one of many who retreat to the garden
to relax, renew energy, create a sense of place, and
restore self-esteem.
Multiple studies show that a plant-filled environment
helps people relax, raises pain tolerance for people
with chronic disorders, and improves moods. One of
these studies found that regular exposure to natural
environments such as gardens helps people recover
from the ill effects of stress more quickly.
Why is that? "Gardens surround us with sensory
feedback very different from that of the urban scene.”
Horticultural therapists use plants to promote health,
well-being, and social contact among people recovering from disabilities, substance abuse, illness, and
other problems.
Research from Kansas State University's Department of Horticulture finds that colorful flowers work
more effectively than green foliage alone to reduce
tension. Seeing them can be a powerful distraction
from stressful thoughts.
“Gardening is an excellent mental workout because
it requires sophisticated brain activity," he explains.
"Learning a new skill, like gardening, helps plow
and nurture new neural connections in the brain."
It is the banks goal to meet your financial needs by
offering a variety of products and solutions.
First National Bank offers non-traditional bank
products through Cetera Advisor Networks LLC, a
leading broker/dealer. To see if there are appropriate products or investment alternatives to meet your
needs please talk with Sheri Winter, Financial Advisor @ 218/547-1160 located in Walker. We at First
National Bank believe strongly in our customer’s financial security and feel Sheri will provide you with
sound financial counseling and direction.
Plant Day
Plant day is one of our annual customer
appreciation days. First National Bank
likes to bring a little spring inside, when
outside it seems questionable. We provide refreshments, there are drawings
and we give away a complimentary
plant to each customer. Some of our
First National offices will provide a
blood pressure clinic, along with loan
or CD specials. Join us this year for
Plant Day May 1, 2015, at all locations.
Securities and Investment Advisory services offered through
Cetera Advisor Networks LLC, member FINRA/ SIPC. Cetera
is under separate ownership from any other named entity. Not
FDIC Insured. May Lose Value. Not a Bank. Not a Deposit.
Not Insured by any Federal Government Agency.
Senior Volunteers in America
Senior citizens make up an increasing proportion
of the population of this country. Currently, seniors
comprise approximately 21 percent of the residents
of the United States. This number is only going to
increase over the next twenty to thirty years as the
almost 79 million members of the “Baby-Boomer”
generation mature. With retirement coming earlier
to many in this group, senior citizens today are active, involved, and interested in helping whether it be
through charitable contributions or volunteer time.
According to a recent survey, almost 44 percent of all
people 55 and over volunteer at least once a year and
over 36 percent reported that they had volunteered
within the past month. These older volunteers give
on average 4.4 hours per week to the causes they
support. The 26.4 million senior volunteers gave approximately 5.6 billion hours of their time—a value
of $77.2 billion to nonprofit organizations and other
causes in this country.
Spring House Cleaning
I love any opportunity to de-clutter and organize my
home and life. However, if you are someone that
needs a little motivation, what better to motivate you
than “spring cleaning?” Here are some tips to help
you tackle your life and prepare for a fresh and clean
spring.
Let’s start with your closet. For most people, you can
start to put away those heavy winter clothes. I like
to keep a storage bin that contains my out-of-season
clothes. It frees up space in my closet and helps me
get dressed more quickly in the morning, as I’m only
looking at items I can actually wear.
Next, let’s look at the kitchen. You should do a quick
sweep through your refrigerator and kitchen cabinets. Check to see if you have any expired food, and
toss it.
Finally, go through each room and clear out the clutter. You probably have a stack of magazines and mail
to sort through, expired medications, or empty makeup containers in the bathroom. Sort it into piles of “to
trash” and “to donate.”
Spring cleaning your life? Yep, it’s happening. Take
a moment and browse through your calendar. What
are you spending most of your time doing? Is your
day filled with business appointments, leaving you
with a non-existent social life? Or is your social calendar brimming, but you find you have no time to
work out or spend quality time with your family?
Make a list of priorities for your life and find a way
to fit them in your calendar. You only live once, so
make sure you are spending each day doing things
that are in line with your priorities and goals for life.
I hope you are feeling motivated to do a little spring
cleaning. And have fun with it! Make a day of filling
up winter storage bins, and scheduling a little “me”
time.
SENIOR DEFENSIVE DRIVING CLASS
4 HOUR REFRESHER COURSE
STEVE AND TERRY JOHNSON
MONDAY, MAY 11, 2015
8:30 AM TO 12:30 PM
WALKER AREA COMMUNITY CENTER
COST $20
CALL TO REGISTER: 218-363-3799
Golden Opportunity Club and
Priority Club are One!
We would like to welcome Lakes State Golden Opportunity Club to the First National Bank Priority
Club. Take this time to enjoy your quarterly newsletter and look at the upcoming events. If you are 50
years of age or older, the Priority Club is for you! As
a member of this club, you will receive a variety of
special services and products. The Priority Club also
provides travel opportunities, wonderful adventures
and discounts! Check out our full line of products
and services on line at www.fnbwalker.com or call
customer service at any of our locations for more
detailed information. Thank you for banking with
us. We are looking forward to serving your financial
needs and getting to know you better.
First National Insurance Services
Lakeland Insurance Agency
First National Bank Insurance Services has merged
with the Lakeland Insurance Agency located in Pequot Lakes, MN as of 4-13-15. The two agencies
will come together as First National Bank Insurance
Services and will provide a full service staff with
over 135 years of combined insurance experience.
We will continue to offer a full line of insurance products which include Homeowners, Automobile, Life,
Health, Watercraft, Motorcycle, Commercial, Workers Compensation and Disability to name a few. As
a Priority Club member you may be entitled to an
additional discount if coverage is placed through our
Agency. If you would like a free no obligation quote
feel free to all us today.
Brian Hein, CIC
First National Insurance Services
PO Box 520
Walker, MN 56484
Tel:218-547-3330
Fax:218-547-4721
[email protected]
Did You Know?
Did you know….First National Bank has Internet Banking! Internet Banking allows you to view your accounts online, transfer
money, pay bills, view checks, view statements etc.
Did you know….First National Bank has it’s own App for your
smartphone or tablet! The app does the same thing Internet Banking does, it’s just banking in the palm of your hand! Go to your
associated app store and search for FNBWalker to download it
today!
Did you know….you can take a picture of your check and deposit
into any account that you are a signer on! All you need to apply is
a FNB Access ID, Password and our FNB app. Apply for Mobile
Check Deposit on our website!
Did you know….you can pay your bills online in seconds! Forget writing checks and putting a stamp on an envelope! Sign up
for Check Free Bill Pay, get a 3 month free trial, if you use it once
a month after that IT’S FREE!
Did you know….First National Bank has eStatements! Tired of
all that mail in your mailbox? Sign up for eStatements and get
your statement emailed to you monthly. Complete the application
online and return it to any one of our branch locations to get yourself signed up!
Baxter Branch
Lobby
Mon. – Fri. 8:30–5:00
Drive up
Mon.-Fri: 7:30-6:00
Sat: 8:30am-Noon
Pequot Lakes Branch
Lobby
Mon – Fri 8:30–5:00
Walk-up/Drive up
Mon.-Fri.: 7:30-6:00
Sat: 8:30am- 12:00pm
Crosslake Branch
Lobby
Mon–Fri. 8:30–5:00
Drive Up
Mon.-Fri: 7:30-6:00
Sat: 8:30am-Noon
Walker ~ 218-547-1160
Lobby
Mon. Thru Thurs. 8:30 to 4:30
Friday
8:30 to 5:30
Saturday
8:30 to 12:00
Walk-up/Drive-up
Mon. Thru Fri.
7:30 to 6:00
Saturday
8:00 to 12:00
Branch Offices
Backus, Hackensack, & Remer
Lobby
Mon. Thru Thurs. 9:00 to 4:00
Friday
9:00 to 5:00
Saturday Closed
Walk-up/Drive-up
Mon. Thru Thurs. 8:00 to 5:00
Friday
8:00 to 6:00
Saturday
9:00 to 12:00
Longville Main Office
Lobby
Monday Thru Thurs.
9:00 to 4:00
Friday
9:00 to 5:00
SaturdayClosed
Walk Up
Monday -Friday
8:00-5:00
Saturday Closed
Longville Drive Up Office
Monday thru Thurs.
8:00 to 5:00
Friday
8:00 to 6:00
Saturday 9:00 to12:00
Akeley
Lobby
Monday thru Thurs.
9:00 to 4:00
Friday
9:00 to 5:00
SaturdayClosed
Drive-Up
Monday thru Thurs.
9:00 to 5:00
Friday
9:00 to 6:00
Saturday
9:00 to 12:00
24 - Hour Banking
Bank Anytime 218-547-2060
ATM’s available at all locations.
www.fnbwalker.com
Forwarding Service Requested
P.O. Box 520, Walker, MN 56484
PRST. STD.
U.S. Postage
PAID
Permit No. 50
Walker, MN