Spring 2013 eNewsletter
Shelby County State Bank News & Events

April 24 is a Free Shred Day at the Harlan SCSB West Branch

The next "Shred It and Forget It" event will be held Tuesday, April 24. The shred truck will be visiting the SCSB West Branch location from 10 a.m. - Noon. This is the seventh time SCSB has hosted a free paper shred day. The event provides a safe and discreet way for people to dispose of private documents. Simply bring your unwanted paper to the SCSB West Branch during the designed times, and the bank will run your items through a commercial-grade shredder for free.

Here is a list of acceptable and non-acceptable items that can be put into the shredder:

  • White & colored paper
  • Magazines
  • Brochures
  • Sticky notes
  • White envelopes w/ windows
  • Business cards
  • Manila folders
  • Staples & paperclips
  • Shiny or coated paper
  • Carbonless forms
  • Tissue paper or paper towels
  • Brown paper or envelopes
  • Hanging file folders
  • Carbon paper
  • Newspaper
  • Cardboard
  • Plastic
  • Metals
  • Food
  • Glass

You can personally deposit your documents into the shred bins or simply drive up and have us load them into the bins for you. The documents will then be destroyed, on the premises, with equipment that reduces the paper to non-uniform particle-size pieces. From start to finish, it only takes a few minutes to have all your documents securely destroyed. Shelby County State Bank provides this shred service to ensure that our customers have a reliable method available to dispose of information-sensitive documents. Please call 712-755-5112 if you have questions.

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$5 Bonus on April 24 for eStatement sign-ups!

You can receive a one-day bonus of $5 cash if you sign up for eStatements on April 24, 2013*.

Enrolling in eStatements is easy! You can sign up on your own by logging into online banking at www.scsbnet.com and selecting eStatements under the Account Services tab. Or, you can stop into any SCSB office that day and we will help enroll you in eStatements.

There are many benefits of eStatements:
  • They are free!
  • They eliminate paper and extra clutter!
  • They’re instant - no more waiting for your statements to come in the mail!
  • They are safe – archived in your own secure area of online banking!

*$5 incentive available for checking or savings accounts newly enrolled in eStatements. In person enrollments will receive $5 cash, all other enrollments on April 24 will receive a $5 deposit into your account by April 30, 2013. One $5 incentive per household.

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Charley Merrill and Dan Nowatzke Join SCSB as New Branch Managers/Loan Officers
Charley Merrill  

Charley recently joined Shelby County State Bank as the new Branch Manager/Loan Officer in the Elk Horn Office. He comes to SCSB from Chillicothe, MO. He recently moved to Elk Horn with his wife, Vicki. Together they have three grown children and three grandchildren.

Charley earned his BA from Truman State University in Kirksville, MO. He has 31 years of experience in banking and has spent the last 2 1/2 years helping run an auto dealership.

Charley came to SCSB because he said he was anxious to get back into the banking environment and said he enjoys the family atmosphere here.

Outside of work Charley said he enjoys various outside activities. "I enjoy tennis, bike riding, and racquetball, anything my body will allow."

Dan Nowatzke  

Dan started at SCSB in January as a Loan Officer and Irwin Branch Manager. He is filling the vacancy left by Jeanna Schechinger who recently semi-retired and is currently working part-time in the Irwin Office.

Dan was a 2001 graduate of Audubon High School and earned his BS degree from AIB College of Business. He recently moved from Des Moines and now resides in his hometown of Audubon.

Before joining SCSB, Dan has worked in banking at both US Bank and Wells Fargo. Outside of work, he enjoys golf, exercising and hanging out with friends.

Dan said he loves to help and meet new people. "The vibe walking into the SCSB branch is so positive that I knew this is where I wanted to further my career," he said.

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Money Smart Week Features Free Events and Contests for Kids

Money Smart Week is a weeklong event that will be held April 20-27, 2013. This annual event is led by the Federal Reserve Bank of Chicago and was created to provide free financial education to Iowans of all ages and walks of life. The public is invited to attend any of the free events associated with Money Smart Week as well as the kick-off presentation Friday, April 19, at 9:30 a.m. at the Harlan Library where you may pick up a schedule of classes.

In addition, there are two opportunities for middle and grade school children to enter either an essay or poster contest.

POSTER CONTEST for 2nd-6th Graders: There will be a local poster contest for students in 2nd-6th grades. Contestants will need to illustrate the following theme in their posters: “There’s a lot to know about money. What should you know now?” The 11 x 17” paper needed for the poster contest will be available at all local grade schools or by contacting SCSB at 712-755-5112. The deadline for the poster contest is April 12. Submissions can be made at your local grade school or at any SCSB location. All entries will then be on display at local financial institutions and local winners will be selected. All the entries will then be submitted to the state contest on April 19.

ESSAY CONTEST for 8th-10th Graders: Students in 8th-10th grades may enter an essay contest by answering the following questions in no more than 300 words: “What is the difference between an investment and an expense? What would be a good investment in your community and why? Please discuss who would benefit from this investment.” Out of five finalists there will be one winner, who will be named this year’s Money Smart Kid and receive a $1000 College Savings Iowa 529 account. The essay deadline is April 2. The winner will be announced during Money Smart Week. Applications can be obtained via www.moneysmartweek.org/ms_kids_contest.

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First Semester Winners Drawn in Pays for A's Program

Pays for A’s winners for the first semester of the 2012-2013 school year are as follows:

The IKM-Manning area school winner of the Pays for A’s program was Amelia Juhl. She received her $100 scholarship savings account from Carol Carter of the Irwin Office.

Christopher Brace was the first semester winner of the HCHS-area schools Pays for A’s program. Kathy Mahlberg of the Harlan presented him with his certificate.

Charley Merrill of the Elk Horn Office presents Cole Andersen with his $100 Pays for A’s scholarship savings account certificate.

Mathew Freund of the Shelby Office presents Nathan Eggerrs of AHST with his $100 Pays for A’s scholarship savings account award.

Each of these students receives a $100 scholarship account from SCSB.

The Pays for A’s program allows middle and high school students to bring their report card in to any SCSB location where they receive scholarship entries for every “A” they earn. In addition, all entries receive a coupon for a free Personal Pan Pizza from Pizza Hut. Winners are randomly drawn among SCSB’s four area schools, in conjunction with other surrounding area schools.

The deadline for the second semester drawing is June 28, 2013. Please contact Janet Buman at 712-755-5112 or jbuman@scsbnet.com with any questions about SCSB’s Pays for A’s program.

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Details about New Rules on Credit Card Surcharges

Beginning January 27, 2013, merchants in the United States and U.S. Territories have been permitted to impose a surcharge on consumers when they use a credit card. Consumers will pay an additional fee when they use their credit card at retailers that decide to surcharge. If a merchant chooses to issue the surcharge, it is currently on Visa and MasterCard Credit Cards.

What This Means for Consumers:

- There are limits on the amount that can be charged.

- Surcharges can be imposed only on credit card transactions, not on purchases made with debit cards.

- Merchants must disclose the credit card surcharge very clearly—at the store entry and at the point-of-sale, or on the homepage if the merchant does business on the Internet.

- The disclosure must include the amount of the surcharge, the fact that the fee is being charged by the merchant (as opposed to the card issuer), and that the fee does not exceed the merchant’s cost to accept credit cards.

- The dollar amount of the surcharge must appear on the transaction receipt.

- Surcharging is not allowed everywhere. Currently, there are laws limiting surcharging in: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas.

This allowance was made possible by a settlement won last year by retailers opposed to paying interchange fees to cover the cost of credit card transactions. The settlement allowed merchants to pass along the cost of those interchange fees to consumers. Consumers cannot use a credit card as a debit card. A credit card allows individuals to make a purchase as a loan, whereas a debit card draws the individual’s money directly from that person’s bank account. It’s uncertain when, or if, retailers will implement a surcharge on credit card transactions. It’s also unclear if retailers will add a surcharge to debit card transactions processed as “credit.” We encourage our customers to pay close attention to their in-store and online credit card transactions in the coming weeks and months to watch for any surcharges. Shelby County State Bank will continue to monitor this situation and provide updates as new information becomes available.

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Employees use “Casual for a Cause” Days to Donate Thousands Locally

Since 2011, Shelby County State Bank employees have participated in a program called, “Casual for a Cause”. Through this program, SCSB employees have raised thousands of dollars for local charities and individuals by wearing jeans to work on Fridays in exchange for a $5 donation. In 2012, SCSB employees raised $8208.

The recipients of those funds this past year included:

  • Grace Baptist Church - Joy Brace Benefit Fund
  • American Heart Association
  • American Cancer Society
  • Relay For Life
  • Shelby County Community Outreach
  • Portsmouth Fire Department
  • Westphalia Fire Department
  • Elk Horn Fire Department
  • Panama Fire Department
  • Irwin Fire Department
  • Shelby Fire Department
  • Harlan Fire Department
  • Earling Fire Department
  • Red Cross - Disaster Relief - Thurman, IA
  • Kirkman Fire Department
  • Defiance Fire Department
  • Mikayla Gross Benefit Fund
  • Books For Charley
  • West Central Community Action
  • Michelle Cooper Benefit
  • Alzheimer's Association
  • West Central Community Action
  • Meighan (McCarthy) Johansen
  • Steve Nichols Benefit
  • Brayden Shumate
  • Shelby County Community Chest
  • Seth Kotouc
  • American Red Cross - Hurricane Sandy Relief
  • Billy Huckins - Fire Victim
  • Adopt-A-Family
  • Owen Heinen
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April 24 is a Free Shred Day at the Harlan SCSB West Branch
$5 Bonus on April 24 for eStatement sign-ups!
Charley Merrill and Dan Nowatzke Join SCSB as New Branch Managers/Loan Officers
Money Smart Week Features Free Events and Contests for Kids
First Semester Winners Drawn in Pays for A's Program
Details about New Rules on Credit Card Surcharges
Employees use “Casual for a Cause” Days to Donate Thousands Locally

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