BVB
www.beltvalleybank.com
Belt Valley Bank
offers a full array
of loan products
to fit every
customer’s needs.
Our lending team
has over 100 years
of combined
experience and all
credit decisions
are made locally
and in a timely
manner.
Agriculture:
Livestock
Purchases
Machinery
Purchases
Operating
Expenses
Commercial:
Equipment
Purchases
Operating
Expenses
Consumer:
Auto
Personal
Spare Bucks
(Overdraft
Protection)
Real Estate:
Home Mortgage
Home Equity
Construction
Ag Real Estate
Commercial Real
Estate
BITS
March 2013
Introducing Bill Pay
Starting in April, Belt
Valley Bank will be
offering electronic bill
pay for checking
account customers!
BVB Bill Pay will allow
you to pay most any bill
from our internet
banking site. Currently,
if you pay bills online
you have to go to each
payee’s website and pay
every bill separately.
With BVB Bill Pay, once
you set it up on your
internet banking
account you can pay
most any bill from that
one spot! Utilizing BVB
Bill Pay is an excellent
way to keep your
expenses organized.
Not only will you save
the time and money of
writing and mailing
checks, but you will be
less likely to miss
payments since nearly
all your payment information will be in one
location.
Watch your bank
statements and the
BVB website for more
details. We look
forward to assisting
you with this new
product once it is
launched!
Belt Valley Bank Launches Quarterly Newsletter
Belt Valley Bank Bits
Belt Valley Bank has
started producing this
newsletter, “Belt Valley
Bank Bits” to be included
with your bank statement. You can expect
the newsletter quarterly.
We hope you will enjoy
the tips and tidbits as we
keep you informed
about your “One Stop,
Full Service Bank!”
PAGE
2
Employee Spotlight:
Jessica
Schatzka
each newsletter will feature a different employee
Belt Valley Bank is proud
to feature Jessica
Schatzka in this edition’s
employee spotlight segment. Jessica celebrated
her one year anniversary
of employment in January
2013. As the bank’s loan
processor, Jessica also
fills in for numerous
BVB
www.beltvalleybank.com
111 Castner Street
PO Box 196
Belt, MT 59412
Phone: 406-277-3314
Toll Free: 888-665-9246
HOMETOWN
BANKING
with your
Neighbors and Friends
BELT
positions when needed son. We are glad to
and recently became a
have her as part of our
Certified Notary Public. team!
A 2003 graduate of Belt
High School, Jessica
grew up in Belt and had
the opportunity to
travel and live in several
states before moving
back with her 4-year-old
Credit Tips
Have you ever applied for a credit
card or loan, only to find out your
credit history is in disarray and
you cannot obtain the credit or
terms you requested? Here are
some tips that may improve your
credit:
Information from the American Bankers Association, 2013
web addresses that could charge
you a fee). You can also call
877-322-8228. Credit reports do
not contain credit scores. Scores
may be purchased separately from
each credit reporting agency.
2. Beware of companies who
1. Before applying for a credit
claim they can remove negacard or loan, check your credit tive credit information for a
report for accuracy. Federal fee. Legitimate information stays
law allows you to obtain one free on your credit report for seven
copy of your credit report from
years and only incorrect or outeach credit reporting agency every dated information can be removed.
year. Free annual credit reports If you’ve filed for personal bankare available to all consumers
ruptcy, that fact stays on your
through the Federal Trade
report for 10 years. No one can
Commission at
remove legitimate items.
www.annualcreditreport.com.
3. ALWAYS pay your creditors
(BE CAREFUL, there are several
on time. A positive payment
imposter websites with similar
history is one of the most important
VALLEY
BANK
BITS
factors lenders consider.
4. Don’t use too much of
your available credit. If you
use credit cards, try not to use
more than about 30 percent of
your available credit on any card.
5. Don’t charge more on
your credit cards than you
can pay back each month. If
you find yourself paying only the
minimum balance, paying late, or
using cash advances to pay daily
living expenses, you might be in
danger of falling behind. If you
feel you need assistance with debt
management, the National Foundation for Credit Counseling
(www.nfcc.com) can provide
information and assistance.