Community State Bank
Oct. 15, 2013
October 2013

New Note
Enhanced Security Features Highlight New Design

New Note

Businesses and consumers will see their money move in a whole new way now that the $100 note has been redesigned. The redesigned $100 note began circulating on October 8, 2013, and has two new security features: a blue 3-D Security Ribbon and a color-shifting bell in the Inkwell.

You can't miss the blue 3-D Security Ribbon on the front of the redesigned $100 note. The ribbon seems to be three-dimensional with bells and numeral 100s appearing to float or glide above the ribbon as you move the note. If you tilt the note back and forth, the bells and 100s move side to side. If you tilt it side to side, they move up and down.

A second new security feature on the redesigned $100 note, also on the front of the note, is the bell in the Inkwell. At first, the bell blends with the inkwell because they are the same copper color, but when you tilt the note, the bell changes color to green. This color shift makes the bell seem to appear and disappear within the inkwell.

Loss Prevention
Law enforcement officials warn that counterfeiters look for opportunities to take advantage of uninformed businesses and consumers when a new currency design is issued. They are encouraging everyone who handles cash to know the security features of the redesigned $100 note before it begins circulating. Any business or consumer that accepts a counterfeit note will suffer a financial loss because fakes cannot be traded in for real notes.

What To Do If You Suspect a Fake
If you suspect you've been passed a counterfeit note, the U.S. Secret Service wants you to be aware of a few tips. First, try to note the characteristics of the person who tried to pass the fake note and any companions. If possible, write down a description of any vehicle he or she drove as well as the license plate number.

Next, immediately contact your local police department or U.S. Secret Service field office. These contact numbers can be found in U.S. telephone books or on the law enforcement interactive map on

Finally, make sure that you write your initials and the date in the border of the suspect note. Remember to limit the handling of the note and protect it by putting it in an envelope. Only turn the note over to a police officer or a U.S. Secret Service agent. If the note is genuine, it will be returned to you. If the note is counterfeit, you will not be reimbursed. You cannot trade in a counterfeit note for a real one, and it is against the law to knowingly try to pass a counterfeit along to someone else.

Community Insurance Services

Connect with Us!
Facebook Twitter

Parent Money Manual
Simple Personal Finance Ideas for Parents

Holiday Shopping


Children Learn from You
Children learn a lot from their parents. Be an example of a responsible money manager by paying bills on time, being a conscious spender and an active saver. Look for opportunities to talk about money, read aloud books and play games that center around spending money wisely.

Needs or Wants?
Family shopping trips are good opportunities to discuss budgeting, spending and saving. It's easy to give clear examples of "needs" and "wants," using different kinds of foods at a grocery store: Milk (for strong bones) is a need; soft drinks are a want.

Divide and Conquer
Have children begin budgeting by dividing their allowance or any money they receive into four clear jars labeled: Sharing, Spending, Short-term Saving and Long-term Saving. They should deposit 10 percent of their money or $1 for every $10 in the sharing jar, 30 percent, or $3 for every $10 into the spending jar, another 30 percent, or $3 for every $10 into the short-term saving jar and the last 30 percent or $3 for every $10 into the long-term saving jar.

Bank on Knowledge
Bring your children to the bank and show them how transactions work. Get the manager to explain how the bank operates, how money generates interest and how an ATM works. Ask the manager for a tour -- be sure to ask to see the vault!

Pay by the Chore
Make a list of all the chores that need to get done around the house, such as weeding the garden, washing the car, sweeping the garage, or dusting the living room. Put a dollar amount next to each chore. Children can then pick and choose which chores (based on how much money they need this week or month) they want to do. This gives your children the freedom to choose their extra-credit chores, the freedom to make some extra cash when needed and encourages them to take pride in their work.

Budget, Budget, Budget
Have older teens list expenses and income. Under expenses, include what they spend for movies, bus tokens, lunches, etc. Have them subtract expenses from income. Help them think of ways to reduce their spending. If their income is more than expenses, talk about a savings plan.

Planning on a Budget
Tell your child or children to pretend that they are in charge of planning a birthday party at home for another child. Four of her friends will be at the party. Estimate the total cost. Suppose the party is lunch at a local restaurant. Estimate the total cost. Suppose the party is a trip to a local amusement park or bowling alley. Estimate the total cost.

Source: ABA Education Foundation

Financial Tips for Seniors
Financial Fraud Can Happen to Anyone.
Senior Scams

No matter how careful you are, anyone can become a victim of financial fraud. However, older adults are particularly at risk. Those who commit elder fraud range from loved ones - family members, friends or caregivers - to complete strangers. The best defense against fraud is an educated consumer, so here are some tips for seniors that can help them keep their finances safe.

Keep an eye out for fraud red flags.
Be aware of and watchful for the classic red flags of fraud. These include someone expressing a new or unusual interest in your finances, an offer that seems too good to be true, pressure to send funds quickly by wire transfer, asking for money and insisting on secrecy, and an unexpected email or phone call requesting private information like bank account numbers, social security number and/or date of birth.

Be careful on the phone.
Many times perpetrators of fraud glean the information they need to commit the crime by making unsolicited calls to their victims. Sometimes the callers pretend to be from a legitimate company. For example, the Federal Trade Commission received 1,100 complaints in May about phone scammers claiming to represent the Medicare program and demanding personal information. Many of these callers cited the health care reform law as the reason for the call. Always verify this type of call by requesting the caller's name and then hanging up and calling the number you have for the group (such as on a credit card or billing statement).

Other times, the perpetrator may pretend to be a family member in trouble. These calls often start with a plea for help, such as "I'm in jail and need bail money" or "my wallet was stolen and I can't get home" or similar claims. If you receive a suspicious call like this, always check with another family member about whether the relative in question is really in trouble and needs money.

If you suspect fraud, report it.
If you think you may be a victim of fraud, or if someone has attempted to con you, report it immediately to the police. Many older people make the mistake of not telling anyone they have been victimized, particularly if the crime has been committed by a family member. Others feel embarrassed for being taken in or fear losing their independence. Keep in mind that by telling your story, you may prevent the perpetrator from taking advantage of someone else.

Community State Bank Notes
What's happening at Community State Bank & in our communities.
High School Football   Christmas Club
High School Football Schedules Christmas Club Savings Accounts

School is back in session, and so are our local football teams! We look forward to being at the games with our friends and neighbors, and we hope to see you there.

To help you track your favorite local team check out the links below. As we inch closer to the playoffs, check out the current standings, and the remaining schedules for your favorite local team.


icon Southern Lakes Conference
icon Southeast Conference
icon Midwest Classic Conference

Schedules Courtesy of:

Christmas Club - Your Check is on its Way

Christmas is just around the corner. 64 days to be exact - but who's counting?

Good news! Your check is coming soon! Luckily, you have a Community State Bank Christmas Club Account to help you start making purchases for the holidays.

Open your Christmas Club today! If you are interested in saving for next year, you can start opening Christmas Club Accounts for 2014 starting Monday, October 28th!

Click here for more details.

Community State Bank
Copyright © 2013 Community State Bank. All Rights Reserved.
1500 Main Street | Union Grove |WI 53182 | Contact Us
Unsubscribe | Subscribe
Forward to a Friend