Staff Completes Leadership Program at Citizens

Citizens Bank Minnesota is pleased to announce that eleven employees have completed the Citizens Development Program – The Leader Path and The Lender Path. These programs were developed by the bank to provide personal and professional development for any employee who is looking to lead by example and to thrive in their current role. The goals for participants are to improve job skills, to enhance written and verbal communication skills, to grow in knowledge of bank operations and strategy, to understand the role of personality and strengths in one another’s interactions in the workplace, and to learn to be adaptable to change.

Employees who not only have a commitment to Citizens, but also have a desire to achieve extraordinary accomplishments through personal leadership are eligible for the 12-month program. In 2023-2024, five employees completed the Leader Path program: Jennifer Wendinger (Marketing Specialist), Ashley Polich (Senior Loan Processor), Chelsie Hoffmann (Senior Client Service Representative), Emily Johnson (Loan Servicing Specialist), and Hallie Kuelbs (Citizens Connection Representative) and six employees completed the Lender Path Program: Andrew Arduser (Ag Lender), Patty Larson (Senior Client Service Representative), Brandon Schmiesing (Ag/Commercial Lender), Ryan Hoffmann (AVP, Ag Lender), Carter Erickson (Ag Lender), and Colin Hoffman (Branch Manager/Consumer Lender

Teach Children to Save Day

What’s a community banks favorite holiday to celebrate? National Teach Children to Save Day, of course! In partnership with our local schools, volunteers from Citizens Bank Minnesota participated in raising financial awareness through in-classroom presentations to local youth. Teach Children to Save Day is officially celebrated on April 25th but our bank employees celebrated all month long by traveling to second grade classrooms throughout our communities. We presented a fun and interactive lesson about saving money.

In these classroom presentations, second graders shared what they were saving money for. It was fascinating to see the variety of goals that second graders are already thinking about saving for. From immediate wants such as candy and toys to more long-term aspirations such as phones, vehicles, college, housing, and even paying bills, these children are already demonstrating an understanding of both short-term and long-term saving goals.

Next, the children were asked about ways they could earn money. The second graders had quite a variety of ideas on how to earn money. It was great to see their creativity and also an entrepreneurial spirit. Some common answers were earning an allowance by doing chores, babysitting, selling their old toys and starting their own business, like a lemonade stand. Another favorite answer included getting special cards with money from their grandparents! It was heartwarming to hear that grandparents play such a special role in the lives of these children.

It was great that the conversation shifted to discussing the importance of keeping money safe. Children mentioned keeping money at home in piggy banks, safes, purses, and wallets and showed that they were learning the basics of financial responsibility and organization. Additionally, they mentioned keeping money at the bank and understood the benefits of keeping their money in a secure location.

The second graders were asked if they wanted to participate in an experiment. The classrooms were divided into two teams: piggy bank savers and savings account savers. The students were able to experience firsthand how different savings methods yield different outcomes over time. Seeing the tangible results of earning interest and compound interest was eye-opening for the kids and motivated them to continue saving.

We had such a great time visiting our local schools and interacting with the future generation. It was truly a rewarding experience for everyone involved. By planting seeds of financial knowledge early on, we hope to help empower these kids to make smart financial decisions as they grow older. We can’t wait to come back again next year and work with next years second graders.

Member FDIC

Citizens Celebrates Community Banking Month

In April, we celebrate Community Banking Month. Citizens Bank Minnesota is proud to be a community bank who takes pride in being active members in our local communities.

What is a community bank? It’s a financial institution based right in your community that offers the financial services families, small businesses, and farmers need….while reinvesting in the community. How? Through both charitable donations and income taxes that support public services. Community banks may be for-profit, but that money goes right back into your community.

A community bank can do much of what the big banks do, but with a local, personal touch. We’re your neighbors, coaches, business patrons, and friends. We care about and reinvest in your community because it’s our community too!

Community bank decisions are made locally, and we have a vested interest in your business succeeding which means: no fighting through layers of administration and no pulling your hair out trying to get lenders to understand your market. What you will get is access to decision-makers who understand where you’re coming from.

A community bank is a locally owned and operated financial institution that provides banking services primarily to individuals, families, small businesses, and farming communities. We focus on building strong relationships with costumers by providing personalized service and support.

Big banks donate for PR and notoriety where community banks donate to better the community. Here at Citizens, we have many staff members that volunteer their personal time with local organizations as leaders, committee members, workers and supporters.

We enjoy serving our customers and communities and look for fun and unique ways to be involved. Come see what community banking is all about. Stop in and check out Citizens Bank Minnesota at our six locations: New Ulm, Lafayette, LaSalle, Lakeville, Watkins, and Ormsby.

Member FDIC

Citizens Fraud Newsletter

Our March Madness Fraud Newsletter is here! In this issue, you will learn more about protecting yourself from online selling scams, how to spot card skimmers, and defending yourself against phishing, smishing, and vishing scams!

Click here to access our full digital issue: https://www.citizensmn.bank/assets/files/Yd958eI8

PROMISE Act Grants for Small Businesses

Citizens Bank Minnesota has been informed that the Southern Minnesota Initiative Foundation (SMIF) through a partnership with the Minnesota Department of Employment and Economic Development (DEED), will award $1.1 million in competitive grants to businesses in southern Minnesota to invest in existing operations or planned growth. The PROMISE Act Grant is a statewide program with multiple partners accepting applications throughout Minnesota. SMIF is one of six Minnesota Initiative Foundations (MIFs) that will accept applications through this program, in addition to the Neighborhood Development Center, which will accept applications in certain areas of the Twin Cities metro.

Grant awards will range from $10,000 to $50,000 and can be used for working capital to support payroll expenses, rent or mortgage payments, utility bills, equipment, and other similar expenses that occur in the regular course of business.

Grant awards will be limited and approved on a competitive basis. Not all eligible businesses will receive a grant. Primary business operations must be located in SMIF’s region, which includes 20 counties and one Native nation. Businesses must earn $750,000 or less in gross revenue (based on 2021 taxes) to be eligible. Additional eligibility requirements are listed on SMIF’s website.

The grant cycle opens March 27, 2024, and will close on April 24, 2024. For the application and guidelines visit smifoundation.org/promise. Contact Melissa Langer (melissal@smifoundation.org) or Brian Conzemius (brianc@smifoundation.org) with questions.

For businesses that are not located in SMIF’s region, please consult the following website to determine who to contact for this program: https://mn.gov/deed/business/financing-business/deed-programs/promise-grant/.

The link below is where customers can find more information and also where to apply.

PROMISE Act Grants – Southern Minnesota Initiative Foundation (smifoundation.org)

Meet our Lending Team

Citizens Bank Minnesota’s Lending Team (citizensmn.bank)

Questions? Please give one of our lenders a call at 800-549-0194 and they’d be happy to help!

Mages is new branch manager at Citizens Bank

Article by Ruth Klossner, featured in the Winthrop News

Since mid-October, there’s been a new face in the corner office at the Lafayette location of Citizens Bank Minnesota.

Though Taylor Mages didn’t think she had enough banking experience when she applied for the position, bank officials felt differently and elevated her from client services representative to branch manager. She replaced previous branch manager Colin Hoffman who transferred to Lakeville when that location lost its manager.

With a year-and-a-half experience as a client services rep at Lafayette, Mages, only 23 years old, was familiar with the bank and has transitioned into her new role. As branch manager, Taylor deals with bills and the building, helps with teller transactions, handles any customer concerns, makes sure the staff has what they need, and that all shifts are covered.

With a varied list of responsibilities, Mages’ days vary a lot.

She noted, “It all depends on the day. Some days are crazy busy and I feel that I don’t get everything accomplished. Other days I feel I get everything done.”

Taylor enjoys the challenges and said that working with clients and staff are the best parts of job.

“I’ve met a good portion of the clients, some more than others, depending on how often they come in,” Mages said.

Mages works with primarily a veteran staff at the Lafayette bank. Client service rep and loan processor Laura Isaacson has been at the bank 30 years. Part-time client service reps Lori Dick and Barb Covell are also veterans, with Dick having been with the bank 43 years. On the other hand, new client service rep Cheyenne VanDeest started just two weeks ago.

Nick Peterson and Justin Gode, vice presidents in lending, have nine and six years of experience, respectively, and ag lender Carter Erickson has been with the bank three-and-a-half years.

Taylor is no stranger to the area, having grown up in New Ulm and graduating from New Ulm High School. She’s the daughter of Bradley and Theresa Mages and the grand-daughter of Dan and Arlene Mages. With Dan being one of 16 siblings, Taylor has lots of relatives in the area.

During high school, she worked at Green Mill in New Ulm as a host then—during her college years at North Dakota State University—she worked at Cash Wise in Fargo while completing a degree in finance, with a minor in banking.

Mages has one older sister, Allie Mages, who also graduated from NDSU. Allie stayed in Fargo and is an RN with Essentia Hospital there.

In her free time, Taylor enjoys reading, baking, sewing, doing puzzles, and hanging out with family and friends. During the summer months, she likes to help and watch demo derbies.

Taylor has also gotten involved in the community, joining the Lafayette Area Lions and immediately taking on the role of treasurer that Hoffman had held. With the Lions waffle breakfast and benefit this weekend, she’s had her hands full, learning the ropes and keeping everything straight.

Citizens Bank Minnesota Employees Donate nearly $9,000.00 to Area Nonprofits

Citizens Bank Minnesota employees recently donated $8,990.00 to area nonprofits in 2023. Each year the employees choose who will receive the funds for that particular year. The funds are raised through Citizens Jeans for Change where employees can pay $5.00 every Friday to wear jeans to work, Hungry Hump Days where employees bring in snacks for purchase one Wednesday a month, as well as various employee fundraisers throughout the year. Proceeds in 2023 were split among twelve non-profit organizations located in the areas we serve.

Member FDIC

Citizens’ Bank Employees Spread Christmas Cheer

Citizens Bank Minnesota and its employees were excited to help organizations and families in need this Holiday Season. Our Main Office in New Ulm partnered with Brown County Family Services through their “Adopt a Family” program to help area families by purchasing clothing, grocery gift cards and household items. New Ulm also purchased diapers for the Blessed Bottoms Diaper Assistance Program, providing diapers to children in need. Our Watkins, La Salle and Ormsby locations were able to purchase needed items to assist several families in their areas. Our Lafayette branch donated toys for a local toy drive, and our Lakeville branch donated items to 360 Communities.

Money was donated by employees, raised through a variety of internal fundraising events throughout our locations, and a bank match was given making it possible to donate over $3,200.00 in gifts and necessities for these families and organizations.

We were happy to help these organizations as well as families who would have had an otherwise difficult time purchasing the needed items themselves. It was also a great way to remember what the Holidays are truly all about!

Day of Caring

Citizens Bank of Minnesota had multiple teams volunteering their time over two days to help rake leaves, wash windows, trim shrubs, mow lawns and more for the United Way of Brown County Area, Inc. annual “Day of Caring”!

We are proud of our staff and their family members that helped out, and the homeowners were extremely grateful as well! Volunteering is an act of service that not only benefits our favorite communities and causes — but also nurtures our own personal growth and connections with others. It’s about offering your time, energy, and skills selflessly — contributing towards making the world a better place.

Fall Fraud Newsletter

Our Fall Fraud Newsletter is here! In this issue, you will learn more about the Dark Web and keeping your information safe, the Trick or Treat schemes that scammers use, and highlight a real life scenario scam that will point out red flags.

Click here to access our full issue: https://www.citizensmn.bank/assets/files/4ogiPjbK