Minnesota Main Street COVID Relief Grants

Application Portal open until September 29th

The Minnesota Department of Employment and Economic Development (DEED) has begun accepting applications for the Main Street COVID Relief Grants Program. Grant amounts range from $10,000 – $25,000. 

Who Can Apply? Minnesota-owned-and-operated businesses that can demonstrate financial hardship due to the COVID-19 outbreak. Other requirements include: 

  • Be a private for-profit business or non-profit organization (that earns revenue in ways similar to a business) with primary operations located in the state of Minnesota since at least January 1, 2020.
  • Be a currently operating business with plans to continue into 2022.
  • Be at least 50% owned by one or more resident(s) of Minnesota.
  • Employ the equivalent of 200 full-time workers or fewer.
  • Total sales or revenue of at least $10,000 for the 2020 or 2019 tax year.
  • Prioritized in the selection process are applicants that are majority-owned by military veterans, women, and Black, Indigenous, and people of color individuals; employ 6 people or fewer; and/or did not receive previous assistance from other state relief programs.

When Can I Apply? The application portal is open. The application period will close on September 29th at 11:59 p.m. Afterward, grant applications will be selected for eligibility verification through a computer-generated, randomized selection process. 

What Do I Need to Apply? You will need an email address unique to you or your business to use the application portal. The application will ask questions related to your business, including your plan for continuing operations in 2022. You will need to attach electronic copies of certain documents, including tax documents, financial statements, and more. 

Questions? If you have questions, please review the DEED website and FAQs tab as a first step and make sure to tune in to one of the information sessions mentioned at the top of this email. Check the FAQ regularly for updates. You can also email DEED directly at MSCRG.DEED@state.mn.us.

Member FDIC

2021 Fall Harvest Safety

What a ride 2021 has shaped up to be!  Between the market fluctuations, the heat, and lack of rain, it certainly has been hard to keep up.  This year’s drought was one of the worst in Minnesota history which made marketing a challenge as the question of what was really going to be out in the fields come harvest time was always looming.  It is almost time to find out.  Harvest time has come fast and early this year.

As harvest is upon us, please note a couple of crop insurance reminders:

  1. Be aware of your crop insurance coverage and be sure to contact your agent as soon as possible if you believe production may be at or near your guarantee.    
  2. Please keep load records of your yields for each farm and be able to provide accurate records to support every bushel reported. 
  3. Mark and/or measure your bins if you are commingling production from several farm units or multiple years. 

Fall is always a race against the clock.  Sometimes it seems there just aren’t enough hours in the day when break downs happen or rain days hit.  While safety discussions can seem routine and repetitive, it is still relevant and bears repeating because each and every producer is important and valued.   With all of the rush-rush of harvest, we remind producers of the following:

  1. Inspect Equipment.  Make sure all safety guards and shields are on equipment.  Most producers start the season with a preseason check of oil, filters, etc.  Make sure that check includes safety features such as ensuring all lighting and markings work and are clean every time equipment leaves the yard. 
  2. Training.  There are usually many hands needed to get harvest rolling.  Neighbors and friends make great helpers, however make sure they have the proper training for their own sake and those around them.  Also make sure they know where to locate items such as a fire extinguisher.
  3. Rest up.  Easier said than done when there are more acres to combine and a few more rows to dig.  When we push the physical limits of our body, it limits our reaction speed and decision making. 
  4. Travel Safely.  When possible, limit travel on roadways during the busy commute times or school release.  Use an escort when necessary.  Again, ensure all recommended lighting and signage is on the equipment.
  5. Protect Yourself.  Always use personal protective equipment such as ear plugs, gloves, masks, or safety glasses when appropriate. 

A final item in this message and a plea to ALL drivers on the road this fall – please be aware of those in slow moving vehicles.  Our rural roads are full of tractors, combines, and semis during the fall months.  Drivers should slow down and watch for turning or stopping farm vehicles.  Always be cautious when passing and give extra space. Heavily loaded trucks and grain trailers cannot stop as quickly as a passenger vehicle.  Everyone is carrying precious cargo so please use extra caution and patience during these harvest months. 

Harvest season is the culmination of an event filled growing season.  Families all across the area are working their hardest to ensure the bins are filled, the semis are filled and hauled, and the fields are dug.  Citizens Bank Minnesota wishes all of our customers and area producers a safe, abundant, and easy harvest!

Submitted by: Sarah Kern, Vice President/Ag Lender


Are Not Insured by the FDIC or any other federal government agency • Are not deposits of or guaranteed by a Bank of any Bank Affiliate • May Lose Value • Lic. #115

Update on Citizens Bank Minnesota PPP Loan Program

After a concerted effort by our PPP team, consisting of many different departments of the bank, Citizens Bank Minnesota has helped to successfully get millions of dollars back into our local communities.

Citizens is now working with the SBA to have our remaining PPP loans forgiven. We determined it was not necessary for our institution to participate in the SBA Direct Forgiveness program. If you have not submitted your PPP Forgiveness application or have questions on the forgiveness process, please visit: https://www.citizensmn.bank/business/paycheck-protection-program or call your local office.

Submitted by: Kyle Potswald, Asst. Vice President


Brian Shropshire, Vice President, Agriculture and Commercial Lending of Citizens Bank Minnesota, New Ulm, was awarded a diploma on August 13, 2021, at commencement exercises during the 76th annual session of the prestigious Graduate School of Banking at the University of Wisconsin-Madison. In addition, Shropshire was also awarded a Certificate of Executive Leadership from the Wisconsin School of Business Center for Professional and Executive Development (CPED). This is the highest-level leadership certificate offered by CPED and reflects the rigorous leadership curriculum that is delivered through the Graduate School of Banking.

The School, sponsored by state bankers’ associations from across the central United States, as well as the University of Wisconsin-Madison, was established in 1945 to provide bankers with an opportunity for advanced study and research in banking, economics, and leadership.  Instruction at the Graduate School of Banking takes place during two-week sessions for three consecutive summers, along with comprehensive study between summer resident sessions.  The curriculum focuses on the management of strategic issues faced by banking executives and financial services industry professionals.

The Graduate School of Banking enrolls approximately 600 US and international professionals each year.  More than 85 esteemed academicians, economists, government officials, and industry professionals comprise the School’s faculty.

Introducing: WooHoo! Adventures

Introducing a new club that offers its members 21 and older, exciting experiences, informative seminars, fun-filled activities and amazing travel opportunities.

WooHoo! Adventures offers the comfort and perks of traveling as a group, but we take care of all the planning.

You can always check out our upcoming adventures on our website!

Contact Lori Dummer at ldummer@citizensmn.bank or call 800-549-0194 to join today!

Membership requirements: Must be 21 years of age or older and a client of Citizens Bank Minnesota. Must maintain an active* checking account with Citizens (*active is defined as having monthly transactions) along with another bank product. (Savings, Loans, IRA, CD) or Citizens Agency Minnesota Insurance. 

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

Purchase and Win!

Simply make 35 purchases with your Citizens Bank Minnesota MasterCard Debit Card, with each purchase being $10 or more, that post and settle within each round to qualify!*

ROUND 1: August 1 – September 4, 2021 • PRIZE: Picnic Prize Pack valued at $350!

ROUND 2: September 5 – October 9, 2021 • PRIZE: $500 VISA Gift Card!

*You must qualify in ROUND 1 to be eligible in ROUND 2. All purchases made with your personal Citizens MasterCard Debit Card of at least $10.00 or more must post and settle within round one and two to qualify. Citizens Business Debit Card purchases do not qualify. Winners will be notified September 6, 2021 for round one and October 11, 2021 for round two.  Enter to win at any Citizens Bank Minnesota location. No deposit required to open the account. Do not need to open an account or be a customer to qualify. There is a $10 or more minimum purchase amount that posts and settles each round for the each of required 35 purchases. Must maintain your account for 90 days to obtain the bonus. Winners will be mailed a 1099 at year-end. MEMBER FDIC

Gluck-N-Spiel Club Mystery Trip

The Gluck-n-Spiel Club is back on the road!

After more than a year without club travel, an adventurous group of 35 left New Ulm, MN on May 21…destination unknown! The club kicked off travel again with the popular Mystery Trip. That’s right, the one where participants pack a bag, get on the bus and have no idea where they are going!

Where did they end up? Out west in Colorado Springs and the Rocky Mountains.

The trip included an overnight stay in North Platte, NE where they enjoyed a tour of the Golden Spike Tower and sampled the best of Nebraska foods.

The group spent 4 days touring the area with visits to Garden of the Gods, Colorado Prison Museum, Royal Gorge Bridge, Manitou Cliff Dwellings, the town of Breckenridge & the Western Museum of Mining. They also enjoyed a train ride through the Royal Gorge and a trip up Pikes Peak.

The weather could not have been better and all agreed it was great to be able to travel again!

To learn more about Citizens Bank Minnesota’s Gluck-N-Spiel Club, visit our website at: https://bit.ly/GNSClub or contact Lori Dummer at ldummer@citizensmn.bank

Member FDIC

Citizens Bank Minnesota 2021 Scholarship Recipients

Citizens Bank Minnesota, for the past twenty-two years, has proudly supported the youth of our communities by awarding scholarships to area students. These scholarships are part of the Community Bankers Scholarship Program TM and this year, 8 students were awarded the annual Citizens Bank Minnesota scholarship.

Joshua Streit, a graduate of Eden Valley-Watkins High School was recently awarded with a $1,000.00 scholarship that is renewable for a potential value of $4,000.00 over four years of post-secondary education.

Isaac Blumhoefer, a graduate of New Ulm Public High School, Delaney Spencer, a graduate of Lakeville South High School, Elise Swenson, a graduate of Gibbon-Fairfax-Winthrop High School, Zachary Kuechle, an Eden Valley-Watkins High School graduate and Caleb Carlovsky, a graduate of Minnesota Valley Lutheran High School were the recipients of a $1,000.00 scholarship. 

Emma Johnson, a graduate of St. Peter High School and Olivia Allers, a Lakeville North High School graduate, were the recipients of a $500.00 scholarship.

Citizens is proud to invest in their futures by promoting education and excellence.

Joshua, son of Rich and Sue Streit, will be attending North Dakota State University this fall, pursuing a degree in ag business.

Isaac, son of Scott and Shelly Blumhoefer, will be attending the University of Minnesota – Twin Cities this fall, pursuing a degree in statistics.

Delaney, daughter of Carissa Spencer and Troy Spencer, will be attending the University of Minnesota – Duluth this fall, pursuing a degree in elementary and special education.

Elise, daughter of Kris and Rachel Swenson, will be attending Minnesota State University – Mankato this fall, pursuing a degree in elementary education.

Zach, son of Justin and Abby Kuechle, will be attending St. Cloud State University this fall, pursuing a degree in biology.

Caleb, son of James and Kathryn Carlovsky, will be attending Martin Luther College this fall, pursuing a degree in preseminary.

Emma, daughter of Jake and Angie Johnson, will be attending Ridgewater College – Willmar this fall, pursuing a degree in agribusiness.

Olivia, daughter of Jenny and John Allers, will be attending Drake University this fall, pursuing a degree in psychology and health.

For more information about our scholarship program visit: http://bit.ly/CBMNScholarships

Citizens Bank Minnesota Employees Donate over $7,000.00 to Area Nonprofits

Citizens Bank Minnesota employees recently donated $7,074.74 to area nonprofits. 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, as well as various employee fundraisers throughout the year including the Race to Raise 5K, which had 139 registered participants and raised $2,641.74 for the American Cancer Society. Other proceeds were split and given to B the Light, Adaptive Recreational Services (ARS), Compassionate Friends, the Sertoma Club, the Jaycees, and the Nicholas P. Koenig HERO (Help & Encouragement on Rough Oceans) Foundation. The foundation provides a shining light of hope on families affected by pediatric cancer, with support of health-related research, education, and care.

Citizens Bank Minnesota’s Race 2 Raise 5K

The 6th annual Citizens Bank Minnesota Race 2 Raise 5K was held on Saturday, May 15, 2021. We couldn’t have asked for a better day, the temps were perfect for a morning run/walk!  It was great to be able to host an in-person event again, and we think our participants all agreed. 139 people registered for the event with 121 participating that morning.  Our 5K was professionally chip-timed with awards going to the top 3 males and top 3 females in different age groups.With all proceeds from the event going to the American Cancer Society, we were able to raise $2,641.74! Thank you to all that participated, our volunteers and sponsors. We look forward to hosting this event again next year, Saturday, May 14, 2022! 

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