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:

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! 

Debit Card Tips For Travel

Citizens Bank Minnesota MasterCardDebit Cards can be used anywhere!

Fraud Monitoring: Safety and security of your accounts is our priority.  On occasion, you may receive a text, email or phone call from our after-hour fraud service, or a bank representative, asking you to verify transactions.  A temporary hold may be placed on your card until you respond and verify that the transactions in question were authorized by you.

Note: Fraud service representatives only ask that you verify transactions not account numbers. Scam calls often try to obtain account numbers and specific information in regards to your identity, which when given compromises your accounts.

In the event your Citizens MasterCard Debit Card has been lost or stolen please contact Citizens Bank Minnesota immediately at (507) 354-3165 or after hours  888-297-3416.

Gas Station Purchases outside Minnesota: when purchasing at a Gas station outside of Minnesota you must select ‘Debit’ as the method of payment, always using your PIN. Due to fraud trends Credit or Signature method of payment will decline in certain areas.

International Purchases and Travel: If you are purchasing from a company that is based International, or traveling outside of the United States, please notify Citizens Connection department in advance at 1-800-549-0194 or (507) 354-3165 and we will open your card for use.  Citizens does not assess foreign transaction fees, however the merchant or ATM you are using may do so.

Need an ATM on the go?  Visit to identify thousands of ATM’s free for you to use nationwide.

Thank you so much for choosing to bank with us and best wishes on your next travel adventure!

Hoffman Promoted to Branch Manager

Citizens Bank Minnesota, Lafayette Branch, is pleased to announce that Colin Hoffman has been promoted to Branch Manager. Hoffman joined Citizens as an Intern in the summer of 2018, where he shadowed every department within the bank. In 2019, he accepted a position as a Client Service Representative in Lakeville and was promoted to Loan Processor/Administrative Assistant in 2020. He graduated from the University of Minnesota, Duluth, earning a Bachelor of Business Administration Degree in Finance. Outside of banking, Colin has been an active member in the operation of his family farm the past 10+ years and will be a member of the Tomahawk Amateur Baseball League.

Anderson Promoted to Branch Manager

Citizens Bank Minnesota is pleased to announce Nicole Anderson has been promoted to Branch Manager for their newly acquired Ormsby Branch. Anderson joined Citizens, La Salle Branch, in 2011 as a Client Service Representative. She later took the position for Loan Processor/Administrative Assistant in 2016. In 2019, she completed Personal Banker training and graduated from Citizens Leadership Academy, a two-year internal program focused on personal and professional growth. Outside of the bank, Nicole helps out with the St. James Dance Team program as Assistant Coach and is a current member of the Women’s Forum. Nicole and her husband Tom live south of St. James on the family farm.

A Glance Back and an Exciting Look Ahead at Citizens Bank Minnesota

Hello everyone!

2020…wow…probably one of the strangest, most unpredictable years in many of our lifetimes. Some of the past years unfortunate events will carry over to 2021, but I am optimistic the future is brighter. 

Even with all of the distractions brought upon us, Citizens Bank Minnesota had a very good year. The acquisition of Farmers State Bank of Watkins and Farmers State Agency of Watkins occurred in April, adding another location with highly qualified staff members to assist with any of your banking needs. Our mortgage department has been very busy assisting clients with purchases and mortgage refinances, and our commercial lenders have been working diligently in administering loans through the Small Business Association Paycheck Protection Program (SBA-PPP).

2021 is going to be another year of growth for the bank – WooHoo! Growth continues to be a high priority for Citizens. As we were extremely excited to welcome the very talented staff from Farmers State Bank of Watkins, we were equally excited to welcome the new staff from the State Bank of Ormsby on January 25th! We continue to be committed to you by increasing locations to serve you, expand staff in key areas to deliver the ‘Ultimate Experience’ and by giving back to our communities through volunteering and donations. The second round of the SBA-PPP loan program was approved a few weeks ago and we encourage all of our commercial and agricultural clients to look into this program and to contact one of our lenders for assistance. Our mission is to help our communities!

The strong bank performance last year and continuing into 2021 could not have happened without the hard work and effort put forth by our staff. This group of employees is extremely talented and have demonstrated their talents this past year more than ever. I truly believe the incredible guidance from our Board of Directors, combined with our staff, insures 2021 will be a great year!

I wish all of you a safe and prosperous year. I hope we all can get out and support our local restaurants and entertainment businesses as things possibly return to a new normal. Thank you for your continued support.

Take care ~ Mark Denn, President/CEO

Citizens Bank Minnesota Is Pleased To Announce Promotions

Maria Anderson, Vice President, Mortgage Lender

Maria Anderson joined Citizens in 1986 as a Loan Processor. She was promoted to a Mortgage Lender in June of 2006 and most recently became the manager of the New Ulm Loan Processors in 2015. She is a 2020 graduate of the Citizens Leadership Accelerated Manager Module, a one-year internal program focused on personal and professional growth. Maria lives in New Ulm with her husband, Tim. She is a member of the Southern Minnesota Crisis Nursery fundraising committee. Maria enjoys spending time with her family and friends.

Nick Peterson, Vice President, Lending, Lafayette Branch

Nick Peterson joined Citizens in 2014. He is a graduate of St. Cloud State University with a B.S. Degree in Business Management and a 2020 graduate of the Citizens Leadership Accelerated Lender Module, a one-year internal program focused on personal and professional growth. He recently became treasurer of the Nicollet/Sibley County Corn and Soybean Growers in January 2021. Peterson has over 17 years of agricultural related experience and continues to enjoy helping family and friends with fieldwork.

Lisa Schneider, Vice President, Mortgage Lender

Lisa Schneider joined Citizens in 2001 as a Loan Processor, in 2007 she was promoted to a Mortgage Lender. She is a 2020 graduate of the Citizens Leadership Accelerated Lender Module, a one-year internal program focused on personal and professional growth, and a member of the Network New Ulm Youth committee. During her time at Citizens, she has helped numerous clients with refinances and achieving their goal of homeownership. Lisa and her husband, Dan, reside in rural New Ulm and enjoy spending time with their children and grandchildren.

Michelle Sellner, Vice President, Mortgage Lender

Michelle Sellner joined Citizens in 2016. She received her M.B.A. from the University of St. Thomas. Sellner has over 30 years of Mortgage Lending experience. She is currently a member of Sertoma and the City of New Ulm’s Planning Commission. Michelle enjoys spending time with family and friends and traveling.

Melissa Bergeman, Assistant Vice President, Citizens Connection Manager

Melissa Bergeman joined Citizens, La Salle Branch, in 2010, and later that year accepted a promotion and began her role as Citizens Connection Manager/Complaint Resolution Officer at the Main Office in New Ulm. She graduated cum laude from Minnesota State University, Mankato earning a Bachelor of Science Degree in Speech Communication with minors in Technical Writing and Interdisciplinary Communications. In 2013 she completed the Network New Ulm program, and in 2018 graduated from the Citizens Leadership Academy, a two-year internal program focused on personal and professional growth. Outside of banking, she serves as Vice President on the Madelia Alumni Association, and enjoys networking opportunities as a member of The Women’s Forum, and former member of HYPE.

Lynn Dingmann, Assistant Vice President, Branch Manager, Watkins Branch

Lynn Dingmann joined Citizens in 2020 after Citizens acquired Farmers State Bank of Watkins. Later that year she was promoted to Branch Manager.  She has 37 years of banking experience in Operations, Compliance and Lending. Her free time is spent with her family.

Lisa Reinarts, Assistant Vice President, Assistant Operations Manager

Lisa Reinarts joined Citizens in 2007 in the Operations Department as a Systems Operator/Bookkeeper. In 2011, she was promoted to her current role of Assistant Operations Manager.  She graduated from Minnesota State University, Mankato, earning a Bachelor of Science Degree in General Management with minors in Accounting and Business Administration. In 2013, she completed the Network New Ulm program and in 2018 graduated from the Citizens Leadership Academy, a two-year internal program focused on personal and professional growth.  Outside of the bank, she participates in Day of Caring, Junior Achievement, and is a former member of HYPE and the Women’s Forum. 

Missy Visser, Assistant Vice President, Marketing & Culture Officer

Missy Visser joined Citizens in 2000 as a Customer Service Representative. In 2005, she became Assistant Marketing Director followed by a promotion to Marketing & Culture Officer in 2019. She graduated from South Central College in Mankato with an Associate’s Degree in Fashion Management, is a 2008 graduate of the ABA’s School of Marketing and Management, a Myers Briggs (MBTI) Certified Practitioner as well as a Gallup trained Clifton Strengths Coach. Missy is also a 2020 graduate of the Citizens Leadership Accelerated Manager Module, a one-year internal program focused on personal and professional growth.  

Jenn Wendorff, Assistant Vice President, Client Services Director

Jenn Wendorff joined Citizens in 2003.  She attended Rasmussen College and has an Associate’s Degree in Business Management. In 2005, she accepted a position as a Client Service Representative and was promoted to Senior Client Service Representative in 2012, followed by a promotion to Personal Banker in 2018.  In 2018, she graduated from the Citizens Leadership Academy, a two-year internal program focused on personal and professional growth. She was promoted to Assistant Client Services Director in 2019 and then Client Services Director in early 2020. Outside of banking Jenn also volunteers with the NUSE Hockey Association as Treasurer since 2018 and has participated in Network New Ulm, Day of Caring, Jr Achievement, and The Women’s Forum.

Jen Hubbard and Abby Swenson promoted to Officers.

Jen Hubbard, Senior Credit Analyst

Jen Hubbard joined Citizens in 2009, as an Insurance Agent. She moved to Human Resources in 2012 and was promoted to Credit Analyst in 2017.  She received her Bachelor of Science Degree in Business Administration with a concentration in finance from Mankato State University. She recently became a member of The Women’s Forum. She and her husband, Myke have two boys and enjoy watching their sports activities and spending time with friends and family.

Abby Swenson, Executive Administrative Assistant

Abby Swenson joined Citizens in 2020. She is a graduate of the Carlson School of Management at the University of Minnesota and has spent the last 15 years in various operations and administrative positions. She is currently a member of the ISD 88 Foundation Board, The Women’s Forum, and the Bavarian Blast Board. She and her husband Eric have two children and as a family they enjoy camping, ice fishing, and golf.

Paycheck Protection Program 2021

The SBA reopened the Paycheck Protection Program (PPP) for new borrowers and certain existing PPP borrowers with enhanced guidelines.

If you are interested in this new opportunity for PPP funds, we encourage you to prepare for the various loans and programs for which you are eligible. We will provide guidance on how to apply for these programs through Citizens’ PPP Webpage. The program did have multiple changes last year and we will publish the up-to-date standard operating procedures as they become available. We have the current applications and requirements needed on the documentation checklist.

A high level summary of changes to the PPP Program:

1.    The SBA reopened the “First Draw” PPP program with more funding. This is only open to borrowers that did not receive an initial PPP loan in 2020.
2.    SBA has created and opened a “Second Draw” PPP program. This program has slightly different rules than “First Draw” PPP loans. It is targeted to borrowers that had a gross revenue reduction of 25% or greater in any quarter in 2020 versus the same quarter of 2019.
3.    Self-employed farmers may calculate their loan amount using gross farm income instead of net income on their Schedule F up to $100,000.00.
4.    There will be a simplified forgiveness for loans less than $150,000.00. There is also an expansion of eligible expenses for which a client can use the PPP funds.

We look forward in helping you process your completed PPP application in a timely manner! If you have any questions, please give us a call at 800-549-0194.

Citizens Bank Minnesota Lending Team

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