bnb customer newsletter April 2016.pub

April2016CustomerNewsletter
MemberFDIC~EqualHousingLender
HappyCommunityBankingMonth!
CommunityBanks:ClearingaPathwaytotheAmericanDream
AboutthistimeeveryyearAmericansembarkonspringcleaning.Thatincludesclearingawaydustbun‐
nies from lamp shades and base boards, determining home improvement projects and, generally, getting
their inancialaffairsinorder.Afterall,April15istaxday!
Entercommunitybanks,apatchworkoflocallyownedandoperated i‐
nancialinstitutionslocatedthroughoutsmalltowns,suburbiaandurban
marketsnationwide.Throughrecessionsandeconomicboomsalike,com‐
munitybankshavefundedfarmers(90percentofagriculturalloans)and
entrepreneurs (more than half of small business loans). And they’ve
helped countless individuals build inancial security and achieve their
versionoftheAmericanDream,whetherit’sbuyingahome,fundingcol‐
lege,orinvestingfortheirgoldenyears.
AswecelebrateCommunityBankingMonthinApril,I’mproudtocount
Bradford National Bank among the more than 6,000 such institutions
that have embarked on a 250‐year tradition of relationship banking. At
communitybanks,loansaren’tdrivenbytheamountoffeesand
incometheywillbringthebank,butbythespeci icneedsofour
customerbaseandwhat’sintheirbestinterests.
WhenIwalkdownthestreethereinGreenville,Highlandor
Marine,Icanholdmyheadhighintheknowledgethatwedid‐
n’t sacri ice our integrity or the hard‐earned trust of our cus‐
tomersonthealtarofWallStreet’squestforboundlesspro its.
Local,communitybanking—thekindweprovideatBradford
NationalBankis built on something sturdier. It’s the founda‐
tionforalifelongpartnership,wheretheinterestsofallparties
arevalued.Oursisabondnurtured
through a lifetime of service—
BNBCustomer
AppreciationDay whether volunteering at a school
fundraiser or spearheading a revi‐
April15&16
talizationofdowntownMainStreet.
AllLocations
Is there any wonder then that
community banks channel most of
their loans to their depositors’ neighborhoods helping to keep
localcommunitiesvibrantandgrowing?Isitsurprisingthatas
Continuedonpage2
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com
Continuedfrompage1
residents and tax‐paying citi‐
zens and business owners, we support the
local infrastructure, making it a better place
forallwholive,workorworshiphere?
As locally based inancial providers serving
thepeopleweseeatPTAmeetingsandLittle
League baseball games, community bankers
areaccountabletoourcustomers.It’sfunda‐
mentaltoourbusinessstructureandthekey
to our longevity. After all, more than 2,500
community banks have been in business for
morethan100years!
As we recognize April as Community Bank‐
ingMonthwewanttothankourexistingcus‐
tomers for their patronage and urge those
whowehopetocountasfuturecustomersto
considerthebene itsofbankinglocally:
 PersonalService—66 percent of Ameri‐
cans want a more personal relationship
withtheir inancialinstitution
 Hometown Support—$68 out of every
$100 spent at locally owned businesses
staysinthecommunity.
 TrustedAdvisor—Community banks are
the lender of choice for small businesses,
abovelargebanks,creditunionsandnon‐
banklenders.
 Local Credit Decisions—Community
banks consider character, family history
and discretionary spending when making
loandecisions.
Stop by BradfordNationalBank today to
discuss your inancial situation and learn
how a community bank can help you realize
your inancial dreams—and contribute to a
more vibrant and sustainable economy in
yourcommunity.
BNBCustomer
AppreciationDay
April15&16
AllLocations
StopbyforFood,Prizes,&
CommunityBankingFellowship
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com
It’sWisetoBankLocal
TurnontheTVorgoontheinternet,andyouwillseethatonlinebanksarepoppingupalloverthe
place. While this fad might seem convenient, there are actually many pitfalls to banking with a
building‐lessonlinebank.
Onlinebanksandlendingserviceslackthepersonalattentiontodetailandareunfamiliarwiththe
localmarketsandclimate.Plus,withanonlinebank,youarejustanumberandcustomerserviceis
iffy at best. Many times, a face‐to‐face conversation is the most ef icient way to conduct business
when troubleshooting problems. Plus, it is not un‐
heard of where the customer is “ ired” for being too
highmaintenance!
Conversely, there are many bene its of banking at
yourhometowncommunitybanksuchasBradfordNa‐
tionalBank.Theyinclude:
 Community banks focus attention on the needs of
local families, businesses and farmers. Conversely,
many of the nation's megabanks are structured to
placeapriorityonservinglargecorporations.
 Unlike many larger banks that may take deposits in one state and lend in others, community
bankschannelmostoftheirloanstotheneighborhoodswheretheirdepositorsliveandwork,help‐
ingtokeeplocalcommunitiesvibrantandgrowing.
 Communitybankof icersaregenerallyaccessibletotheircustomerson‐site.CEOsatmegabanks
areoftenheadquarteredinof icesuites,awayfromdailycustomerdealings.
 Community bank of icers are typically deeply involved in local community affairs, while large‐
bankof icersarelikelytobedetachedphysicallyandemotionallyfromthecommunitieswheretheir
branchesarelocated.
 Manycommunitybanksarewillingtoconsidercharacter,familyhistoryanddiscretionaryspend‐
ing in making loans. Megabanks, on the other hand, often apply impersonal quali ication criteria,
suchascreditscoring,toallloandecisionswithoutregardtoindividualcircumstances.
 Community banks offer nimble decision‐making on business loans because decisions are made
locally.Megabanksmustoftenconveneloan‐approvalcommitteesinanotherstate.
Becausecommunitybanksarethemselvessmallbusinesses,they
understand the needs of small‐business owners. Their core con‐
cernislendingtosmallbusinessesandfarms.Thecoreconcernof
themegabanksiscorporateAmerica.
So next time you are in need of new or expanded inancial ser‐
vices,stopbyandseethefriendlyfolksatBradfordNationalBank,
AREALCommunityBank.
Right,BNBSr.VicePresidentMikeEnnenpresentsasponsorship check to Tinley Walker, age six, from Triple TW Racing.
TinleywillracethisyearintheI-70QuarterMidgetseries.
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com
RaiseaRealSmartyPants!
Anytime is a good time to start teaching inancial responsibility. Educate the children in your life
andsecureahealthyrelationshipbetweenearning,spendingandsaving.
It’simportanttoteachchildrenofallagesthenecessaryskillstomakeeffectiveandinformedmon‐
eymanagementdecisions.
Makesurechildrenknowthebasics.
1. Youneedmoneytobuythings.
2. Youearnmoneybyworking.
3. There’sadifferencebetweenneedsandwants.
4. Peopleworkandearnmoneytobuywhattheyneedandsomewants.
5. Savemoneytouselaterasneedsandwantsarise.
6. Yoursavingshasachancetogrowwithcompoundinterest.
7. Giving out personal inancial information can be dangerous — ask a parent or guardian
irst.
8. CheckyourBradfordNationalBankaccountbalancebeforemakingadebitcardpurchase.
Therearemultiplemoneymanagementteachingtools.Youcanstartwithasimpleallowanceand
progressintomoreadvancedoptionsasyourchildrengetolder.
Providechildrentheopportunitytolearnaboutmanagingtheirownmoney.
 Givechildrenaweeklyallowance.Itcanbe:
 Tiedtohouseholdchores.
 Acommission‐orperformance‐basedallowance.
 Useenvelopesorjarsforspendinganddonating.
 Supportentrepreneurialoptionssuchasalawnmowingbusiness.
 OpenaBradfordNationalBanksavingsaccountinyourchild’snametoteachbudgetingand
investing.
 Keepthedialogopenwithanappropriateamountofdetail.
AskBradfordNationalBankhowtoopenacheckingorsavingsaccountforthechildreninyourlife
andraisesomerealsmartypants!
It was a bittersweet moment as the Greenville Bicentennial Committee
met for the inal time in March. Left, Bicentennial chairman Rex Catron,
second from left, dispersed the remaining Bicentennial funds to local or‐
ganizations in Grenville including the Hill’s Fort Society, represented by
Bill Johnson, the DeMoulin Museum, represented by Gina Lewis, the One
Room School, represented by Cindy Catron, the American Farm Heritage
Museum,representedbyGalenPeters,andtheBockMuseum,represented
bySharonGrimes.Additionally,remainingfundswillbeusedtoestablish
BicentennialParkinGreenville.
BNB served as the Platinum Level sponsor for the hugely successful Bi‐
centennialeventthatwasheldthroughouttheyearin2015andculminat‐
edwithabigtwo‐daycelebrationindowntownGreenville.
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com
ConverttoE-StatementandWe’llPayYou$5
Time is running out on this pro itable promotion at Bradford National Bank.
Convert your checking or savings account bank statement to E‐Statement and
we’lldeposit$5intoyouraccount!
WhenyouswitchtoE‐Statements,you’llgetasecure,convenient,andenviron‐
mentallyfriendlywaytoaccessyourmonthlybankstatements.
Youwill….
 Receiveanemailnoti icationfromBNBthatyourstatementisavailable
 Beabletoviewover12monthsworthofstatementsonline
 Haveaccesstoyourstatements24/7,fromanywherewithinternetaccess
 Candownloadandsaveyourstatementstoviewwheneveritisconvenient
YourBNBE‐Statementisanexactreplicaofthestatementwemailyou.It’ssaferthanmailedstatements
whichcanbelostorstolenfromyourmailbox.Plus,E‐Statementsareenvironmentallyfriendlyandreduce
bothpaperandenergyconsumption.
Signingup for E‐Statements is quickand easy. Just ask yourtellerat any BNB location, orselect the E‐
Statement feature under “options” inside your online banking portal. But hurry, the $5 offer ends this
month!
BNBSupportsAcademicFoundation
InMarch,BradfordNationalBankwasrecognizedastheon‐
ly Double Platinum sponsor for the Light the Way Gala, in
supportoftheBondCountyAcademicFoundation.
TheGalawasorganizedtoraisefundsfortheUnit#2school
district with proceeds being used to fund scholarships and
supplies for teacher classrooms. The event raised well over
$16,000.
BradfordNationalBankhasalonghistoryofsupportingthe
AcademicFoundationinBondCounty.Additionally,thebank
supports many programs for schools in Mulberry Grove,
Highland, Marine and Troy and offers four $1,000 scholar‐
BNBPresidentDougStroudwasoneofthebankattendeesatthe
shipseveryyear.
LighttheWayGala.
BradfordNationalBankSupportsManyEvents
Asarealcommunitybank,it’spartofthebank’smissiontosupportthecommunitiesweserve.Marchwas
noexceptionasthebankhelpedsupportmanyworthwhileorganizations.
During themonthof March,the bank supportedBond County Bucsbaseball,
theGreenvilleandMulberryGroveFFAauctions,theHighlandBulldogHockey
Club,theGreenvilleElementaryMusicprogram,theGreenvilleHighSchoolPost
Prom,SAFE,HighlandYouthSports,QuailUnlimited,MadisonCountyFair,the
BondCountyShrineClub,HighlandCommunityLink,andBalloonsoverMarine.
Plus,thebankonceagainsupportedtheannual
Easter Egg Hunt in Greenville, which is spon‐
sored by the Greenville Optimist and Commer‐
cial Club. BNB employee Terry Barth, left, has
chairedthiseventfortheOptimistclubformanyyears,whileRandyAlder‐
man,right,representingtheCommercialClub,hashelpedonthedayofthe
event.
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com
SavetheDates:
April15:ScholarshipDeadline,TriadandHighland
April15&16:CustomerAppreciationDay,AllBNBLocations
May2:ScholarshipDeadline,Greenville&MulberryGrove
May14:FREESecureShreddingandRecyclingDay,BNBGreenville
May21:FREESecureShreddingandRecyclingDay,BNBHighland/Marine
June17/18:BNBCustomerAppreciationDayandGreenvilleCarShow
HowtoSpotCounterfeitCurrency
Recently,BradfordNationalBankspoketoGreenvilleChambermembersabouthowtospotcoun‐
terfeitcurrencyintheworkplace.Withdifferentvariationsofthesamedenominationsincirculation,
it’softendif iculttodeterminewhatisfakeandwhatisreal.
Althoughfakebillscangetpassedanywhere,higherat‐riskbusinessesincludefastfoodrestaurants,
conveniencestores,groceryorliquorstores,barsandtaverns,anddeliveryservices.Why?Because
employeesintheseareasaregenerallyyounger,lessexperiencecashiers,dealingwithlargevolumes
ofcashinafastpacedenvironment.
Spotting counterfeit cur‐
rency is easy to do if you
knowwhatyouarelooking
for.Usethehandychartto
therightto indouthowto
quickly spot counterfeit
bills.
BradfordNationalBankis
available to present infor‐
mationtoyourstaffonhow
to spot counterfeit curren‐
cy.Forinformation,contact
[email protected].
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com
UpcomingBradfordTravelClubEvents
April13:NoshtheDayAway
May25:Cardinals/CubsBaseball
June 21-23: Presidential Aircraft and
More,Dayton,OH
July13:RuralFruitsandLabors
BNBEmployeesrecentlyheldadress‐downdayand
raisedmoneyfor
Down’sSyndrome
research.BNB
presidentDoug
Stroudpresentsa
checkfor$245to
projectorganizer
SandyKreutzberg.
Thisisthethird
yearfortheevent.
SaveTheDate!
DearClients:
It has been my great privilege to provide you
with travelservices for nearly 19years. I never
dreamedatthat irstmeetinginMayof1997that
IwoulddotheprogramtillIretiredandsixyears
beyond as a private contractor. Now I think it’s
time to totally retire. I will con‐
tinue through the end of 2016,
but then Marlene File has been
named as my successor. I am
very pleased with this decision
as I feel she is the right person
for the job. She is a long‐term
employeewhohasablyservedas
the bank’s receptionist for many
years.Sheknowsthecustomersalreadyandhas
the kind of caring attitude that will ensure that
shegivesthejobherbest.
I will miss all of you because I have made so
many friends through the years, but I plan to go
on some of her trips and hopefully will still see
youoccasionally.
At some point this year you will be given the
opportunity to meet Marlene formally. I will be
trainingherlaterintheyear.Pleasewelcomeher
asshetakesoverasyournewleader.
JudySchneck
The 12th annual Art
inEducationArtShow
willbeheldMay5and
6,from6‐8pminThe
Bradford Community
EnjoyFunandFellowshipwiththe
Building.
BradfordTravelClubJoinToday!
The show features
Formoreinformationortorequestacopyofthe
art projects from all
Unit#2 schools rang‐ TravelClubNewsletter,contactJudySchneck.
ing from kindergarten
Phone:618-567-7392
throughhighschool.
E-mail:[email protected]
This event is spon‐
sored annually by
Bradford
National
Bank and Our Com‐
monGround.
LocallyOwnedandOperatedSince1867!
VisitUsOn‐[email protected]&www.BradfordAgServices.com