Community State Bank
Nov. 22, 2013
November 2013

From the President
What it means to be a "Community Bank".

Scott Huedepohl

It’s great to be here!

Well, I now have over 2 months under my belt as the new president of Community State Bank. What I’ve found in that time is that this place is pretty special. It is loaded with really neat people...both customers and employees alike.

So who am I? Let me give you some insight on who I am. I’m a self proclaimed “community bank junkie!” Let me explain.

My Dad was a community banker for many years, and I have been one for close to 30 years. I have been able to see firsthand the importance of community... and a true community bank is right in middle of that. A community bank takes in money in the form of deposits and loans that money back out to families and businesses right here in our market. A community bank should be a leader in the communities it calls home…giving back more than it takes.

Community bankers should not only be involved in organizations...they should help lead them. A community bank has a local board of directors that care about where they live. A community bank makes decisions right here and don’t rely on a far away committee to make decisions for us. A community bank is only as strong as the communities we serve... 100% of our assets are here.

I could go on and on. The point is that I’m a very strong community advocate and promise that Community State Bank will remain one also. I look at it as a 3 legged stool... one leg is employees, one is shareholders, and one is customers/community. If you remove just one leg, the stool falls. We have to take care of all three! I look forward to doing just that.

I would love to hear from you. My direct phone line is 262-878-3767 and my email is Thoughts, suggestions, comments and ideas are always welcome.

Finally, I hope that each of you have a great Thanksgiving! I’m thankful to be part of this CSB family.

Here Today. Here Tomorrow.

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More Ways to Serve You!
CSB offers Investment Planning, Insurance Services and a full-service Travel Agency!





Pam Hegemann

At Community State Bank we pride ourselves on our ability to serve our customers and our communities. In that regard, we'd like to let you know about some additional services that our Bank offers that are really unique. How many banks can offer their customers insurance, investment advice and a trip to Hawaii all in one location? We can! Community Insurance Services
Community Insurance Services
Community Insurance Services offers products that help provide financial security for you, your family and your business.

Certified Insurance Agent Pam Hegemann can simplify the insurance process. She has the experience and knowledge to comprehensively guide you with your insurance selections. Community Insurance Services represents a number of top-rated companies and has tremendous flexibility in tailoring coverage to the needs of our individual clients.

Pam is prepared to assist you with a no-cost no-obligation review of your insurance. Contact Community Insurance Services today and find out how we can provide you and your loved ones peace of mind with an insurance strategy designed specifically for you.

Community Insurance Services
Tel: (262) 878-3763
email: Community Insurance Services



Bill Zurek

Community Investment CenterCommunity Investment Center
With so many investment options available in the financial marketplace today, the task of achieving financial security can seem overwhelming.

As your partner, Investment Officer Bill Zurek will help you narrow down your options and make informed decisions, and together we will develop a plan to achieve your financial goals and dreams, whatever they may be.

Your needs as an astute investor are best served through access to the finest financial products available, coupled with professional, objective advice, quality support, and exceptional technological capabilities.

Community Investment Center presents the highest-quality, most affordable, and convenient financial products and services available to:

• Assess your complete financial situation
• Determine your financial needs and goals
• Establish income streams for your family
• Plan for education, retirement, and estate preservation needs
• Provide protection against financial risks
• Develop your financial independence

At Community Investment Center it is our promise to be a true strategic business partner by listening to our customers' needs and delivering the tools to help them be successful. We strive to provide the finest financial products and services available, combined with objective, unbiased advice and superior support.

Community Investment Center
Tel: (262) 878-3531
email: Community Investment Center



Ann Kerkman

Community Travel Inc.
Community Travel Inc.
Community Travel Inc. has been planning memorable vacations and worry-free business trips for over 40 years, and Travel Manager Ann Kerkman has decades of travel planning experience. No matter where you want to go, or how you want to get there; Ann can help you reach your destination.

From doorstep to destination Community Travel Inc. can get you where you want to go. Whether you are traveling for business or pleasure, Community Travel's friendly professional staff will help you plan your next excursion.

Community Travel Inc.
Tel: (262) 878-3351
email: Community Travel Inc.

Shop Online Safely
Online Shopping Security Tips for the Holiday Season.
Shop Online Safely

More shoppers than ever are turning to mobile devices and computers to do their holiday shopping. However, internet shopping has unique risks for consumers, so shoppers need to take steps to protect themselves from fraud and scams. Here are a few tips for novice and veteran internet shoppers.

Avoid using public Wi-Fi
Any purchases made online require transmitting your credit card and/or bank account information over the internet. Using a public Wi-Fi connection to do so puts that sensitive information at risk. Hackers can tap into unsecured Wi-Fi connections at hotspots like coffee shops and airport terminals to capture that information. If you're using a wireless connection to shop, be sure that it requires a password or WEP key.

Don't respond to text solicitations
During the holiday shopping season, scammers will send out hundreds of fake deals or gift card offers via text message. If you respond, you'll likely be prompted to divulge sensitive financial information (such as a credit card number). Responding also puts you on the "sucker list" which means you'll receive even more unsolicited scam texts.

Monitor your accounts
Proactively monitoring your financial accounts (such as bank and credit card statements) can help you catch errors and spot potential fraud at the first sign. To simplify this process, use a single credit card for all your online purchases. That way you only have one statement to check instead of several.

Do not click links on social networking sites
To avoid infecting your computer or mobile device with malicious software, never click on a link to a deal or special savings on a social networking site or in an unsolicited email. Scammers will often disguise a social media post or email to make it seem as if it's coming from a known retailer, but the link will take you to a fake site and infect your device. If you see a link that supposedly leads to a sale you want to take advantage of, visit the retailer's website directly rather than clicking the link. From there you can verify if the sale is legit.

Finally, if you do notice suspicious charges on your credit card or transfers from your banking account, contact your credit card company and bank right away to notify them. They will put a freeze on the account, preventing further fraud. Remember, whenever you're online: think before you click.

Community State Bank Notes
What's happening at Community State Bank & in our communities.
Gift From the Heart   MasterCard Gift Cards
Gift From the Heart Gift Cards Make the Perfect Gift!

Community State Bank in partnership with Children's Service Society of Wisconsin, and Love Inc., is proud to announce the 10th annual Gift from the Heart Program. The Gift from the Heart program is designed to provide toys and clothing to children in need throughout the local communities.

Now through Monday, December 16th, customers will be given the chance (at each Community State Bank office location - excluding the Union Grove Motor Bank) to choose an ornament with a name on it from the "Giving Tree". Each ornament will have the child's first name, gender, age, and what he/she needs or would like for Christmas. Customers are asked to purchase a gift for a child and return it to the location where they chose the name by Monday, December 16th.

The gift should be UNWRAPPED and returned with the original name tag. Community State Bank's staff will have them ready to be picked up and delivered by Children's Service Society of Wisconsin and Love Inc., about a week before Christmas.

2013 Gift from the Heart Program Details

Why choose a gift card that is limited to one store? The MasterCard® Gift Card is an ideal choice for everyone this Holiday Season!

The MasterCard Gift Card is a one-time prepaid card that can be used at millions of locations where MasterCard debit cards are accepted, including retail stores and online merchants.

The MasterCard Gift Card offers all the protection and security features you've come to expect from MasterCard - the MasterCard Gift Card can be replaced if lost or stolen.

So what are you waiting for? Give a Gift Card this year! MasterCard Gift Cards are available at most Community State Bank locations.

MasterCard® Gift Cards are insured by the Federal Deposit Insurance Corporation (FDIC) through MetaBank. MasterCard® Gift Cards are issued by MetaBank, 5501 S. Broadband Lane, Sioux Falls, SD 57108, pursuant to a license from MasterCard International. Purchase Fee: $3.00 • Monthly Inactivity Fee: $2.95 per month after 12 consecutive months of inactivity • Lost / Stolen Replacement Card Fee: $5.00

Holiday Closing Schedule   Out & About
Holiday Closing Schedule Out & About this Holiday Season
Important Dates to Remember
Date Day Holiday
November 28th Thursday Thanksgiving
December 24th
(noon closing)
Tuesday Christmas Eve
December 25th Wednesday Christmas Day
January 1st Wednesday New Year's Day

Need to access your accounts when the office is closed? Here are a few convenient options:

Online Banking
• Dial Direct (Toll Free): (888) 958-1988

Are you excited for the Holidays?
With the Holidays right around the corner, we are very excited to be participating in local events with our friends and neighbors!

From Thanksgiving feasts and Holiday gift programs to Christmas parades and cookie walks, you will see many of us participating in and sponsoring different events throughout western Racine and Kenosha counties.

At Community State Bank, "community" is not just part of our name, it's a philosophy and a responsibility we take very serious. We are proud of the friends, family and businesses we have in every one of our communities and can't wait to share another Holiday season of fun and festivities with you!

Community State Bank
Copyright © 2013 Community State Bank. All Rights Reserved.
1500 Main Street | Union Grove |WI 53182 | Contact Us
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