Spring Planting – Certify Your Acres

spring planting

It is spring and soon farmers will be racking the long hours to get their crops planted. For all of the producers who carry Multiple Peril Crop Insurance (MPCI) remember that your spring planted crops have an acreage reporting date of not later than July 15th in our area. This may seem like a long way off but a combination of a later spring and busy schedules will bring up this deadline sooner than you think. I recommend that within a few days of when you finish planting your final acre you should go in to your FSA office and certify your planted acres of each crop. The same day that you certify with FSA please stop and see your crop insurance agent to also certify your acres for your MPCI coverage. When you meet with your agent you will need to have both your FSA field maps and your 578 forms. By going to FSA first you will have accurate acres and planting dates for your MPCI acreage report which will save you a lot of time in the long run.

A benefit of getting your acres reported as soon as you can in the season is that the Insurance Provider can send your Schedule of Insurance to you much earlier. This means you will have accurate information regarding your bushel and dollar coverage as well as your final premium. Having this information early in the summer undoubtedly will help you with your marketing decisions.

Have a safe and productive spring.

By: Pat Brennan, Vice-President

 

Investment and Insurance Products:

  • Are not insured by the FDIC or any other federal government agency.
  • Are not deposits of or guaranteed by a bank or any bank affiliate.
  • May lose value.

Citizens Bank Minnesota’s Website Is Getting A Facelift!

website home page

Exciting news from Citizens Bank Minnesota!

We are excited to announce that on Thursday, March 27th, we will be launching our new website! We’ll have all the same great features, just a fresh new look! You will be able to navigate to a more functional Citizens Agency site from Citizens Bank Minnesota’s home page as well.  Be sure to check out http://www.citizensmn.com on March 27th, and look through the menus and headings to get familiar with the new layout!

 

By: Sarah Seifert, Marketing Assistant

Citizens Bank Minnesota’s Random Acts of Kindness Continue!

In November of 2013, Citizens Bank Minnesota employees participated in a few Holiday Random Acts of Kindness. The acts of kindness brought such a good feeling to our employees, knowing that they were making a small difference in the lives of others that they decided to continue doing the random acts of kindness throughout the year.

In January, a team of six employees from New Ulm’s main office, and the entire Lafayette branch, each got together and decided on a random act of kindness (R.A.K.) to perform.  The group from New Ulm went to the home of a co-worker who was on maternity leave, brought her family dinner and shoveled their sidewalks for them. They also went to a local café, Stone Soup, and paid for a random patron’s meal.

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The Lafayette staff paid a visit to their local ambulance squad to thank them for all of their dedicated service to the Lafayette area. They delivered crackers and a meat and cheese tray to them at their monthly meeting as an expression of their gratitude.

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In February, a team of six from New Ulm bought new games, a puzzle, puzzle books and 14 decks of cards and delivered the items to Oak Hills Living Center one morning while the residents were having breakfast.  The residents were very grateful for the gifts!

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The employees at Citizens look forward to hearing about what each team does for their R.A.K. and enjoy seeing the photos that were taken during each visit. Be sure to check our Facebook page for future updates and photos from our monthly R.A.K.’s!

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By: Sarah Seifert, Marketing Assistant

2013 Holiday Random Acts of Kindness

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The Holidays may be over, but the effects of a few Holiday Random Acts of Kindness are still being felt by some families in Southern Minnesota.

Citizens Bank Minnesota wanted to make the holidays a little brighter for some families in need.  Employees were divided into five teams and together the teams raised money to buy gifts for six families.  Money was donated by bank employees and they also had a free-will donation Taco Fiesta luncheon to raise money for the acts of kindness.  The bank matched the donations up to $200.00 per team.

Teams then went out and shopped for gifts for each family.  Clothing, toys, household items, groceries and other goodies were wrapped in festive paper, bags and bows.  It definitely was heart-warming to know that the gifts were going to put smiles on the faces of some deserving families who would have had a difficult time purchasing the needed items themselves.

Overall, Citizens employees raised over $3,200.00 to purchase over 200 gifts for six families with 29 family members in need during the 2013 holiday season!

By: Sarah Seifert, Marketing Assistant

Citizens Bank Minnesota hits $317,149.38 on Go Local Holiday Shopping Goal!

2013 Go Local Total

As consumers were preparing for the holiday season, Citizens Bank Minnesota was encouraging them to Go Local by shopping at their community’s small businesses. By supporting local small businesses, consumers give back to their community and make it a better place to live.  Local spending helps communities thrive and grow.

Citizens challenged itself and its employees to shop locally again this holiday season to shop local first for all of their holiday needs. The bank set a $250,000 goal for itself and its 88 employees to spend locally during November and December. They blew past it by spending $317,149.38!

Citizens re-launched its Holiday Go Local campaign in New Ulm on Friday, November 1st, 2013. Twelve holiday cash mobs were performed throughout November and December. A cash mob is a phenomenon recently seen across the country, designed to help a small business by organizing a group of people, through social media or other means, to meet at the business and spend about $20 each.  The location is kept secret until the last minute, although clues are given in advance.  The business is usually surprised, and the atmosphere during the cash mob is very light hearted and fun.

Citizens will continue to encourage its employees as well as our communities to Go Local as well as continue to cash mob businesses into 2014 and beyond. Cash mobs take place at retail stores and eating establishments.  Follow us on Facebook for clues to the next cash mob location.  And businesses, beware!  You may be next!

By: Missy Marti, Marketing Officer

The Changes In The Health Insurance Industry And What It Means For You!

affordable health care

With January 1st, 2014 coming right around the corner, there are a lot of changes that are going to begin that day in the health insurance industry.  One of the main questions is: What are the Essential Health Benefits under the Affordable Care Act?  The following 10 essential health benefits are the minimum that is going to be required for all plans that are offered by MNsure, and for those plans that are offered off of the exchange by the health care companies; for example, Blue Cross Blue Shield or Health Partners.

  • Ambulatory patient services (Outpatient care—the kind you get without being admitted to a hospital)
  • Emergency Services
  • Hospitalization (such as surgery)
  • Maternity and newborn care (care before and after your baby is born)
  • Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
  • Prescription drugs
  • Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  • Laboratory services
  • Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease.
  • Pediatric services: This includes dental care and vision care for kids

Contact Citizens Agency today to discuss this or any other insurance questions you may have!

By: Nick Hage, Citizens Agency Manager

 

Investment and Insurance products:

• Are Not Insured by the FDIC or any other federal government agency

• Are Not deposits of or guaranteed by a Bank or any Bank Affiliate

• May lose value

theGirls! Women’s Health Expo

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Citizens Bank Minnesota hosted their first Health Expo on Saturday, October 26th. The event was held at the New Ulm Community Center and was attended by approximately 60 women.

Our morning started off with Stress Reducing Yoga by Rachel Oftedahl, which was followed by a heart healthy brunch from Pepperboy, INC.  We then listened to Holly Glaubitz who informed us about Heart of New Ulm’s current project ‘Lose it to Win it’, and Dr. Nate Groebner, who spoke about Breast Cancer and Mammography Awareness. We finished the morning watching a couple short performances by RakStar Fusion Bellydancers – then they taught us some moves!

If you are interested in signing up for theGirls! and hearing more about these great events, stop by Citizens and see us for details!  You can also find and “Like” theGirls! on Facebook!

By: Missy Marti, Marketing Officer

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