www.citizensstatebank.us
A Message from
Our President
Banking
with
a
community bank offers
many benefits compared
to a large bank or credit
union. Some may think all
banks are the same; as a
customer of Citizens State
Bank, I hope you disagree
and believe that we are
unlike any other financial
institution.
When you make a deposit at Citizens
State Bank, we are able to lend your money
to borrowers who are looking to purchase/
build a home or grow their local business.
With your funds, we are able to invest in our
communities, creating jobs and promoting
economic development. We are proud to be
a partner in our communities and helping local
families and small businesses alike.
With increased government regulations,
it is becoming more challenging to extend
credit to customers that do not fit certain
criteria. At Citizens State Bank, we consider
more than just a credit score when we review
loan applications. Unlike large banks, we
consider payment history, character, and other
factors which may not be reflected in a credit
score. As result, we continue to make loans
that many large banks would not consider,
doing everything possible to approve a loan.
Additionally, our local decision making process
allows us to respond to our customers’ needs
much faster than a large bank that takes weeks
or months to approve or deny a loan request.
Some say credit unions offer the same
benefits of a community bank, however, many
don’t know they don’t pay income taxes which
impacts everyone. Credit unions state they
are member owned, which allows the benefits
of not being taxed to be passed on to their
members. Why then don’t their rates and fees
to their members reflect this since our rates
and fees are often the same or less?
If you have deposit accounts at another
financial institution, now is a great time to
switch to Citizens State Bank. Our Personal
Bankers will make the transition easy and
stress-free. Take advantage of a free checking
account that’s truly free, and know that you are
banking with one of the top-rated community
banks in the country who will give you the
service you deserve.
Dennis J. Vogel, President & CEO
I S S U E
1 9
F E B RUA RY
2 0 1 4
NEW YEAR
NEW CARd
Stop in and see our new look
We are excited to announce that our newly
designed personal and business debit cards are
now available! These new cards replace our old
red debit card and silver business debit card.
Current Citizens State Bank customers will receive the new card upon their current
card’s expiration.
Want to receive your new card earlier than expiration? during the month of
February and March, just donate five dollars to our featured charity and we will
replace your current debit card with the new look at no additional cost! Proceeds
support the Cystic Fibrosis Foundation in February and local animal shelters in
March. Stop into one of our offices to make the switch and make a difference!
Tips to Cut Debt & Boost Savings
If there is a time to get
financially fit it is now!
Strengthening personal finances
allows freedom to afford important items
and security for the future. Improve your
financial picture by replacing bad spending
habits with good ones, such as ending
wasteful spending, paying down debt and
putting money away into a savings account.
Check out the tips below to secure
your future and put your best foot forward
in the new year:
1. Get financially “fit” by setting realistic
and measurable money goals. Look for
ways to save money for the unknown
and prepare for the unexpected.Think
about establishing an emergency fund
to cover unexpected expenses, pay
off credit card debt or save for a new
home.
2. Put together a budget that will allow
you to meet your financial goals. Add
up your sources of income, document
how the funds will be spent, and make
sure some of those funds go towards
the financial goals you previously set.
3. To be financially successful, you must
track expenditures! Consumers who
know where their money goes each
month tend to not overspend. Tools
like Mint.com or Quicken can help
track your monthly expenses.
4. Know what to do when you’re unable
or unwilling to stick to your plan.
While shopping, leave credit cards
home and pay cash. Keep your frame
of mind on finances so you can make
wise choices about spending. Stay
away from situations that would allow
impulsive spending.
5. Talk with your tax consultant,
accountant or banker about your
finances. They are familiar with your
financial situation and can be a great
source of advice. Be honest about
your needs and goals. Educate yourself
with financial topics such as savings
and debt management.
At Citizens State Bank, we want you to
be successful and financially fit in 2014. Stop
in and see your personal banker today for
your copy of Developing a Budget.
You Asked...We Listened
Announcing Mobile Banking for Citizens 24!
Offering the best technology and products to our customers is important to
us. Many customers have asked for mobile banking, and we listened. Citizens
State Bank will be adding Citizens 24 Mobile Banking to our services in 2014!
Office News
Clayton
Office
Christmas Club
Citizens State Bank can help make the 2014 holidays less stressful for you
with a Christmas Club Account. See your personal banker today to sign up!
ThANK YOU ThANK YOU ThANK YOU
Thank you for
your business!
Stop in today.
We held a Facebook Testimonial Post Contest during November and december asking
our customers to post their Citizens State Bank experiences. We are in awe of the wonderful
posts and five star Facebook reviews submitted by our customers. Thank you so much! On
december 31st, we held a drawing for a winner from those posts and reviews from our page.
The winner drawn was Jeffrey hardy from our Eau Claire office. Jeff won
a $100 Visa gift card for his submission. Congratulations, Jeff!
Eau Claire
Office
“
I have only been a member a few months, but the ladies in Altoona
always make me feel welcome, with their smiles and kind words it’s like
we have been friends forever.They also make me laugh, which really makes
me feel glad to be there. Thanks for everything you do!!
Welcome! Katie
Oster (CSR I).
Congratulations
to Nick Skibba for
being promoted
to Commercial
Lender &
transferring to the
Eau Claire office!
”
Thank you also to all of the customers who handed out Refer-AFriend cards to your coworkers, family, and friends. We appreciate your
taking the time to spread word of our excellent customer service. Word
of mouth from our happy customers is our best form of advertising.
Jeffrey hardy
Contest Winner
Exceeding Our Customer’s Expectations…
It’s more than just our mission statement!
La Crosse Office
Welcome! Erin hanson (Loan
Processor II), Mary Pat McGuire
(Administrative Assistant) & Ann Olson
(Branch Manager.) Congratulations
on the following promotions! Andy
Simons (Credit Analyst), Amy Schuster
(Executive Assistant), Ryan McCann (CSR
II), Sherilyn Knoll (Operations Specialist
II) & Steve daniel (VP-Operations)!
Onalaska
Office
happy New Year!
Call us today for
your mortgage
loan needs.
Our mission to ‘Exceed Our Customer’s
Expectations’ is not just a statement - it is
how we do business. Each quarter employees
are nominated by their peers to receive the
Citizens State Bank Mission Award. Employees
are nominated when they are seen exceeding
customer’s expectations. It is with great pride
we congratulate our 2013 4th Quarter Citizens
State Bank Mission Award winner Chrystal
Morgan!
Chrystal is the Vice President-Retail Banking
in our La Crosse Office and has been with the
bank since July 2005. She is a vital member of this
organization and is responsible for all the retail
banking functions for all four offices. She provides
excellent customer service and is a wonderful
manager to her employees!
Congratulations Chrystal! We are proud to
present her with the 4th Quarter Citizens State
Bank Mission Award!
Visit us on Facebook for more information!
http://www.facebook.com/CitizensStateBank
‘Gave From The Heart’ Pin Up Program
February | All Offices
Bowl For Kids’ Sake
April 3-4 | La Crosse,WI
Animal Shelter Drive
March | All Offices
National Teach Children to Save Day
Friday, April 11 | All Offices
Polar Plunge/Polar Dash
Saturday, March 1 | La Crosse,WI
Customer Appreciation Brat Fry
Friday, May 16 from 11 am to 1 pm | Clayton Office
Impacting the Community!
Citizens State Bank Holidays
February - July 2014
Presidents Day
Federal Holiday/
Bank Open
Memorial Day
Closed
Independence Day
Closed
Monday,
February 17
Monday,
May 26
Friday,
July 4
Federal Holiday/Bank Open: On these dates, the Federal
Reserve is closed, but the Bank is open. This means that all ACH,
Wires, Checks, ATM/Debit Card, and Citizens Biz transactions
will be processed on next business day. Internal transfers,
Citizens24, Dial-A-Bank, and In-Bank Teller Transactions will be
processed on the current days business.
Thank you to all those who donated at The Blood
Center of WI Blood Drive in November at our
La Crosse Office.The drive produced 60 units of blood,
potentially affecting the lives of 180 patients!
The Eau Claire, La Crosse, & Onalaska offices
participated in Toys for Tots this year as a drop-off
site for donations and hosted a Giving Tree helping
provide gifts to children in need.
The Clayton, Eau Claire, La Crosse, & Onalaska offices
volunteered to ring bells for the Salvation Army Red
Kettle Campaign this holiday season.
The Clayton Office participated and donated to the
Clayton Gifts for Children and Clayton Lions
Club Food Baskets in the month of december.
The La Crosse & Onalaska offices participated in
Adopt-A-Family & provided clothing, toys, and
household items to two local families in need.
The La Crosse & Onalaska offices hosted a Holly
Jolly Pet Drive, collecting food, toys, beds, & gift
cards for the La Crescent Animal Rescue.
Clayton
101 Prentice Street S.
Clayton, WI 54004
(715) 948-2142
Eau Claire
1028 N. hillcrest Pkwy
Altoona, WI 54720
(715) 832-2265
La Crosse
620 Main Street
La Crosse, WI 54601
(608) 785-2265
Onalaska
625 Main Street
Onalaska, WI 54650
(608) 783-2646