NEWS ROOM  

Citizens First Bank Announces Calendar Contest Winners | Local photographers featured in calendar

 

Clinton, Nov, 2016:  Citizens First Bank has announced the winners of its 2017 calendar photography contest. The calendar cover photo was taken by Beth Wiersema of Fulton. Other winning photographers include: Eva Hinrichsen, Dave Foster, Stephanie Melvin, Lori Pranger, Linda Dutchess, Bonnie Hufford, Juliana Sabo, Alisha Bersch, Leslie Harridge, Cindy Ugarph, and Kati Heysinger.

 

Citizens First Bank held to contest over the summer encouraging local photographers from all levels of expertise to submit images of nature, buildings, landmarks and community events in Clinton and surrounding areas. A photographer’s reception was held to honor all winners recently. Images are posted on the bank’s Facebook site: https://www.facebook.com/CitizensFirstBankClintonIowa/.

 

“This is the first year we have organized a calendar photo contest, and we were very impressed by the number and quality of entries we received,” said Paula Mayer, marketing director for Citizens First Bank. “The calendar is a great way to highlight the scenic beauty of the local area and the communities we serve.”

 

Copies of Citizens First Bank’s 2017 calendar are available at all Citizens First Bank locations: 1442 Lincoln Way and 1329 N 2nd St in Clinton as well as 403 S Washington Blvd in Camanche.

 

Citizens First Bank and ICBA Offer Tips to Help Students Handle Credit Wisely

 

Clinton, IA (Aug 17, 2016) | As college students head back to school, and with a growing number of them planning to use credit cards during the school year, Citizens First Bank and the Independent Community Bankers of America® (ICBA) encourage all students to be responsible when using their credit cards so they can maintain their finances and build a solid credit history.

"As college students work toward their professional goals by obtaining degrees, we urge them to also consider their financial futures by avoiding excess spending that may cause them substantial credit risk," Kathy Forrest, President and CEO of Citizens First Bank, said. "Credit plays a large role in helping students achieve their future personal and professional goals, so it’s important to use credit wisely now in order to obtain a solid credit history—making it easier to buy a car, home, or even rent after college."

The best protection against getting deeply in credit card debt is knowing the pitfalls and how to avoid them. Citizens First Bank and ICBA offers the following tips to help students use credit cards wisely:

  • Set up and follow a budget that includes paying off a credit card balance.
  • "Maxing out" or charging up to your card's credit limit can make sticking to your budget more difficult and negatively affects your credit score.
  • Pay on time, every time. Whenever possible, pay more than the minimum payment owed to pay off the balance faster and save on finance charges.
  • Keep records of your account number, expiration date and the phone number of your card issuer in a safe place.
  • Keep your account information confidential.
  • Never give out your credit card number, card verification number or expiration date over the phone, unless you initiated the call and know who you're dealing with.
  • Consider making your credit card payment online to ensure it is received by the monthly due date.
  • Routinely access your account information online to track your spending and to quickly identify fraudulent transactions. If you see a transaction that is not yours, notify your card issuer immediately.
  • If there's an error on your account, report it immediately by notifying your card issuer.
  • Keep a copy of your sales receipts so you can compare what you bought with the charges on your credit card statement.
  • When making online transactions, be sure the site is secure. Don’t let others watch you enter your card information.
  • Don’t lend your credit card to anyone. Ever!
  • If you move or travel outside of the country, notify your card issuer immediately.

"We encourage students interested in learning more about credit cards and how to manage their credit, to talk to their local community bank whether in your hometown or near your college campus," Forrest said. 

 

 

Community Banks Help Main Street Thrive

 

Washington, D.C. (Apr, 2016)—During ICBA Community Banking Month, the Independent Community Bankers of America® (ICBA) celebrates Citizens First Bank and the nation’s more than 6,000 community banks, which build stronger communities by helping local customers gain financial stability through quality products and services and access to financial literacy information and tools.

 

“Community banks are locally owned and operated financial institutions that take in local deposits and lend them out locally in the form of loans to customers, farmers and small business owners. Many times, community banks are family owned and have served their community for generations,” said ICBA Chairman and third-generation community banker Rebeca Romero Rainey, chairman and CEO of Centinel Bank of Taos, N.M. “Community banks exist to serve the needs of their customers and communities and make their Main Streets thrive one loan at a time.”

 

Community banks are relationship lenders that flourish when their customers and communities do the same. Taking care of customers and looking out for the best interest of local communities is inherent to the relationship lending business model that is unique to community banking.

 

Below are some fun facts about community banks.

  • Community banks constitute 96 percent of all banks!
  • There are more than 600 counties—almost one out of every five U.S. counties—that have no other physical banking offices except those operated by community banks.
  • There are more than 51,000 community bank locations nationwide.
  • Community banks hold more than $3.8 trillion in assets, $3.1 trillion in deposits, and $2.6 trillion in loans to consumers, small businesses and the agricultural community.
  • Community banks employ 700,000 Americans and create countless jobs thanks to their role in lending to small businesses and agricultural enterprises.
  • Community banks make more than 50 percent of small business loans.
  • Community banks make 90 percent of agricultural loans.
  • More than 2,500 community banks have been in business for more than 100 years.
  • The oldest community bank is in Rhode Island. It’s 215 years old, which means that it opened the same year that John Adams was elected president and Volta created the first modern battery!

 

“Citizens First Bank is honored to serve the lending needs of Clinton and surrounding communities. We care about our customers and are dedicated to helping our local residents and town thrive,” said Kathy Forrest, President and CEO, Citizens First Bank. “We appreciate the opportunity serve our customers and to celebrate community banking here, as well as in communities across the nation, and spread the positive story of our industry and the communities we serve.”

 


 

 

EVENTS

 

See all that is happening in our community and list your own community event for free at the Clinton Area Convention and Visitors Bureau website: http://www.clintoniowatourism.com/.

 

September 2016

September 5 CITIZENS FIRST BANK CLOSED
We will be closed on Monday, September 5 in observance of Labor Day. Please use our Online Banking, Mobile Banking, or ATMs for basic banking needs.

 

September 24 CITIZENS FIRST BANK FREE COMMUNITY SHRED DAY | 1442 Lincoln Way | 9am - 11am
Citizens First Bank will provide free personal document shredding to the community on Saturday, September 24th. The event will take place from 9:00am-11:00am at Citizens First Bank’s 1442 Lincoln Way, Clinton office. Watch for signs and traffic direction.

Identity theft and fraud protection are as important as locking the doors to your house or vehicle. The community is welcome to bring their personal data for confidential destruction. Anything that may contain personal identifying information such as Social Security numbers, address, date of birth or passwords should be shredded to avoid personal issues such as identity theft or fraud. Types of items that should be shredded include: cancelled checks; check registers; bank statements or receipts; loan documents; mortgage documents; brokerage statements; school records; credit card, mortgage and finance solicitations; credit card statements, contracts, personal business papers, and credit applications. This service is intended for individuals, no businesses please.

 

October 2016

October 10 4 CITIZENS FIRST BANK CLOSED
We will be closed on Monday, October 10 in observance of Columbus Day. Please use our Online Banking, Mobile Banking, or ATMs for basic banking needs.

 

November 2016

November 11 CITIZENS FIRST BANK CLOSED
We will be closed on Friday, November 11 in observance of Veterans' Day. Please use our Online Banking, Mobile Banking, or ATMs for basic banking needs.

 

November 24 CITIZENS FIRST BANK CLOSED
We will be closed on Thursday, November 24 in observance of Thanksgiving Day. Please use our Online Banking, Mobile Banking, or ATMs for basic banking needs.