Community State Bank
April 2013
March, 2013
Celebrate with Us!
April is Community Banking Month

April is Community Banking Month, and Community State Bank along with members of the Independent Community Bankers of America (ICBA) are celebrating the vital role that community banks serve in the economic, civic and cultural life of their communities in cities and towns throughout America.

"Community banks work tirelessly each and every day to serve the needs of their customers and reinvest in their Main Street communities," said Community State Bank Assistant Vice President Jeff Nielsen. "Our nation's nearly 7,000 community banks provide the vital resources their customers need, which in turn, make their communities a better place to work and live. Our customers are at the heart of everything we do, and Community Banking Month gives Community State Bank and other community banks like ours a chance to thank our customers and the communities we proudly serve."

"Each year Community Banking Month gives us the opportunity to honor our community and our customers," Community State Bank President Steve Bell said. "We are proud to be part of the economic engine that drives our local economy, and pleased to provide our customers with the personalized customer service and local expertise that only a community bank can provide."

Have Some Refreshments on Us - Every Friday in April!

Thousands of community banks recognize Community Banking Month in a variety of ways. For the entire month of April, we invite you to stop at any one of our locations to say hello and have some refreshments (every Friday). Come and see the community banking difference, and let us show you why so many people put their trust in Community State Bank.

Community State Bank will also be holding a Free Shredding Day on Saturday, May 4, 2013. The event gives individuals and businesses in the community an opportunity to safely and securely destroy sensitive documents.

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Learning to Save is a Lesson that Never Gets Old
April is also Financial Literacy for Youth Month
Financial Literacy Month

The hardest thing for financial literacy advocates to measure is success. Students still receive, on average, failing grades on tests designed to show off their personal finance knowledge. Consumers still make financial blunders that could have a costly, long-lasting impact on their credit. Families still struggle to avoid debt. Business owners still go bankrupt. So how, then, can we tell if any of the efforts to teach financial literacy are having an effect? Results are best judged one person at a time.  

April is Financial Literacy for Youth Month. But young adults are far from the only people in need of a lesson in personal finance. It's important for everyone – adults and children alike – to be educated to make good financial decisions, and recognize and avoid bad ones. But it's far easier to learn those lessons at a young age than it is when you're older and already in over your head.  

Wisconsin's bankers have been visiting students of all grade levels for decades, talking to classrooms full of children about the basics of saving money, how to balance a checkbook, the pros and cons of credit cards, and responsible spending habits, to name just a few topics. Here are some tips about how you can teach your kids to save:

Teach Your Kids to Save! Be a financial role model and make responsible saving and spending decisions.
Teach Your Kids to Save! Discuss money and financial choices with your kids.
Teach Your Kids to Save! Set spending limits and stick to them.
Teach Your Kids to Save! Allow your children to manage some of their own money and learn the consequences of their financial decisions while they're young.
Teach Your Kids to Save! Teach children to divide their money and always set aside a percentage in savings.

You can learn more about Financial Literacy Month here. Take the Thirty Steps to Financial Wellness Challenge and start your road to financial success!

MyLife Program
Community State Bank teams up with local high school and area businesses to offer a unique interactive financial program for Juniors.


April is quite a month for Community State Bank and we couldn't be more excited about it! As part of Community Banking Month and Financial Literacy for Youth Month, we are also planning an exciting interactive financial program for our local high school students!

Unlike traditional financial programs, this program is designed to change the way students see their future by placing them in real-life situations, making everyday decisions and showing them how those decisions impact their personal financial position.

This is an interactive program for students designed to demonstrate the importance of sound money management skills.
Money Management Skills Budgeting Skills
Making Smart Purchasing Decisions Career Selection
Check Writing & Balancing Credit Score Importance

Here's how it works. On Tuesday, April 30th from 7:30am – 12:00pm, Union Grove High School will be sending the entire Junior class through a financial education program called, "My LIFE" (Local Interactive Financial Education).

The Juniors have each chosen a career path that will determine their starting salary. From there, each student is randomly assigned a "life" – single, married or divorced, kids or not, a credit score, student debt – all potentially real-life situations. Once their "life" is assigned, they are directed to the gym, where many tables and volunteers will be ready to guide them through essential life decisions about how to pay for housing, insurance, utilities, food and childcare.

Volunteers and local businesses from the community will guide students through a sample month of their adult life, with the most significant financial choices being guided by experts in their respective fields. For example, a car salesperson will be "selling" the student a vehicle; based on the size of their family and the size of their budget; a child care provider will be informing students about the cost of day care; an insurance salesperson will be helping the students understand insurance, how it works, and how much it costs.

MyLife is:
A partnership between Union Grove High School, educators and the local business community that provides students an opportunity to connect with community business representatives in an authentic situation.
An event that gives students a chance to test their budgeting skills using actual prices for products and services in a safe environment.
An event that provides insight into career selection and how that career selection will play a part in a student's financial future.
A cumulative, hands-on experience for students to test their ability as a consumer in our sales-focused economy.
A "cool project" that makes classroom learning relevant to students!

The idea of the MyLife program was initially brought to the high school last Fall by Neil Buchanan, VP of Commercial Banking and Jeff Nielsen, AVP Marketing. Buchanan had been involved in a similar program in the Kenosha area in the past. Together they teamed up with Dave Pettit, Wendy Coury and Tiffany VandeBogert from Union Grove High School and, with the support of the administration, the planning process began. With many hours spent customizing the program, recruiting businesses, and promoting the event, we are now ready to bring it to the students.

"We are very excited to be working with the high school and area business leaders to offer this type of program to our young adults," said Buchanan. "The program's unique, real-life approach will definitely challenge the students to take a hard look at their financial future and life decisions."

This unique program is designed to benefit everyone involved. We encourage parents, business leaders and the community to stop by and see this wonderfully engaging program in action.

Community State Bank Notes
What's happening at Community State Bank & in our communities.
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Community Shred Day Scheduled Community Bulletins

Celebrate the end of tax season!! We would like to invite you to our FREE Community Shredding Day. The event will be held at our Union Grove office location at 1500 Main Street on Saturday, May 4th, from 9am-Noon. We have partnered with Cintas to safely and securely destroy sensitive printed information right on site.

Community Shredding Day
Saturday,May 4th, from 9AM to 12PM
1500 Main Street, Union Grove
What to Bring?

  • Credit Card Statements
  • Financial Records
  • Credit Card Applications
  • Billing Statements
  • Legal Papers
  • Bank Statements
  • Cancelled Checks
  • Income Tax Files

Limit 10 boxes - No exceptions.

If you've driven by or stopped in at any of our banking locations you've seen Community State Bank's commitment to promoting local events.

In additon to lobby postings and, depending on the availability, outdoor marquees, Community State Bank would like to start promoting community events through our dedicated social media channels as well.

Twitter: @CSBTweets

Starting with Community Banking Month in April, 2013 Community State Bank will begin posting, and sharing local community events through our Facebook and Twitter accounts. If your community group or service organization has an upcoming event, we'd love to hear about it... and then tell everyone about it!

You can submit community event information by emailing us at: We look forward to hearing from you.

NOTE: Event information will be posted at the sole discretion of Community State Bank.

Community State Bank
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1500 Main Street | Union Grove |WI 53182 | Contact Us
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