$3,340 Donated to the Lewis House


It was a magical evening as Citizens Bank Minnesota hosted theGirls Night Out on Monday, October 5th at the Lakeville Arts Center, raising, $3,340 through ticket sales which was donated to the Lewis House. Citizens sponsored the entertainment and food. The afternoon started with shopping at local downtown businesses then moved to the Lakeville Area Arts Center for happy hour and appetizers followed by musical entertainment by “Sister”. “Sister’s” music had inspirational messages that energized us to prioritize our amazing plans and goals by putting ourselves first on the list.

The Lewis House first opened its doors on August 28, 1979 not far from where the current Eagan Lewis House stands today. It is named after the late Senator B. Robert Lewis, who authored legislation to aid women in abusive relationships and to stem family violence. The home was purchased with Community Development Block Grant (CDBG) funding and was welcomed into the community by the surrounding neighbors who made it their mission to watch out for the fragile families inside. During that first year, 41 women and 64 children received safe housing at Lewis House. In 1985, 360 Communities broke ground on the current Lewis House in Eagan, which was the first shelter in the United States built for the purpose of being a battered women’s shelter.

To become part of theGirls! is rather simple – be a female client of Citizens and have an email address.  If you are already a client, please send your primary email address to Lori Dummer at thegirls@citizensmn.com to be included in future emails.  If you are not a client, please stop by Citizens Bank Minnesota’s Lakeville Branch next to Lakeville’s Super Target to open your account today and start enjoying all the benefits Citizens has to offer. You can also check us out on the web at www.citizensmn.com.

By: Missy Marti, Marketing Officer

September is College Savings Month

Little Girl dreaming of graduation

Did you know that September is College Savings Month? It’s never too early (or too late!) to start saving for college! Here are a few general savings tips:

  • Start saving as early as you can. However old your children are, if you want to help fund their college education, start saving. It is never too early, or too late, to start saving for your child’s college.
  • Find more ways to save: Analyze your spending to see if there’s anything you can cut out to increase your savings. Finding ways to save and making cuts can really add up over time.
  • Automate your savings:The simplest way to start saving is to make it easier on yourself. See if you’re able to automatically deposit a portion of your paycheck into a college account or any savings account for that matter.
  • Prioritize your finances:The world doesn’t stop for college savings, nor does the rest of your financial needs. You need to pay off any debt, especially any credit cards or other high-interest debt. You also need topay off your own student loans (if you have any), establish an emergency fund for yourself, and save for retirement as well.

What happens when you just can’t financially help?

Sometimes the dream of paying for your child’s education is just not within your reach. Or maybe, like some parents, you want your child to pay for their own education to learn how to stand on their own feet and become independent. Either way, there are still things you can do to reduce their student loan debts and how much they’ll have to pay.

  • Motivate them in high school.Work hard to encourage them and keep them motivated during high school. The better grades they have, the more likely they’ll be able to receive scholarships. High grades can also mean they’re eligible for advanced placement courses, which can count toward college credits and therefore reduce the amount of tuition owed. Also encourage them to volunteer and participate in extracurricular activities to increase their chances of getting scholarships.
  • Encourage them to work through high school.As soon as they can get a job, encourage them to do so. This may require your participation, such as driving them to work or helping them fill out taxes when that time rolls around. Have a discussion about what percentage of each paycheck should be put toward college.
  • Help them apply for scholarships.When the time comes, encourage and help them to apply for scholarships.
  • Teach them about student loans.A vital thing you can do for your child is take the time to teach them about financial aid, student loans, what they’ll owe upon graduation, and what that will mean for them in the long run. Help them keep track of financial aid deadlines and make sure your child fills out the FAFSA. This conversation can lead to ways to reduce their student loans while still in school, such as encouraging them to stick to a budget, not misuse student loans, and picking an affordable college to start with.

Citizens Bank Minnesota does have a scholarship opportunity where we award two or more scholarships each year to local graduating seniors who will be attending post-secondary education. Scholarship America performs the selection process and administration. This program was instituted at Citizens as a way to show our commitment to the community and our belief in today’s youth. Citizens plans to continue this tradition for years to come!

You can find out more information about our scholarship at http://www.citizensmn.com/personal/real-life-investors

By: Sarah Seifert, Marketing Assistant/Youth Club Coordinator

Sources: Thesimpledollar.com

Planning one last summer vacation?


Here at Citizens Bank Minnesota, safety and security of our clients’ accounts is priority.  As a precaution there are states and countries that are blocked for Debit Card use based on monitored fraud patterns. Just a reminder, when traveling out of state it is important to notify Citizens at 1-800-549-0194 or (507) 354-3165 with dates and the location of your travel so your card will be available for use.

Tips for your Travel:

  • Travel with more than one form of payment, i.e. debit card, credit card, pre-paid card, cash.
  • Check the expiration of your Debit Card to assure it will not expire while you are away.
  • Know and memorize your Pin.  Call 1-866-985-2273 if you need to reset your Pin.
  • When using ATM’s, stay in well-lit areas and be aware of the surroundings.
  • Do not leave receipts at the ATM.
  • Store your Debit Card account number and the lost/stolen customer service telephone number separately and in a safe & secure location – Card Member Services (800) 535-8440.
  • Monitor your transactions regularly via Online Banking at www.citizensmn.com, through an iPhone or Android App, or Telephone Banking 507-233-2265 (or) 1-888-476-2265
  • ATM and Debit Card Transactions are protected under the Electronic Fund Transfer Act.  To limit your liability, you will need to monitor and immediately report any unauthorized charges to the bank.

By: Melissa Bergeman, Citizens Connection Manager/Complaint Resolution Officer

20 Year Anniversary of the Brown County Relay for Life


This year marks the 20th Anniversary of the Relay for Life in Brown County and its fight against cancer.  With the efforts and commitment of many people and countless volunteer hours, Brown County has now obtained total donations in excess of $2,000,000!  Citizens Bank Minnesota has been proud to sponsor a team for every one of those years.

Through a variety of fundraisers including potlucks, a 5K walk/run, a crafters’ retreat, an employee Silent Auction and donations from friends and family, the Citizens team continues to contribute sizable donations to the American Cancer Society every year.  This year we raised a whopping $24,425, bringing our twenty-year total to $198,846.72!

The money raised through Relay events helps with education, prevention, treatment, and support for all cancer survivors and patients.  A large portion of the money raised in Brown County stays in Brown County, helping our neighbors and friends when they need it most.  At our local Relay event, we celebrate all cancer survivors, remember loved ones lost and learn how each of us can do more to fight back against this dreaded disease.

Citizens Bank Minnesota is in the fight for a CURE!

By: Barb Marti, Receptionist/Administrative Assistant

Replacement Cost For Your Home’s Contents

homeowners insurance

Replacement cost contents coverage pays the full replacement cost of an item, minus your deductible.

If you want to restore the comforts of your home in the event of a loss, it’s best to choose replacement cost coverage on your household contents. It could be worth hundreds, even thousands of dollars to your family.

Most homeowners insurance policies cover personal property for its actual cash value. To cover your contents for the cost to replace them – new for old –request replacement cost contents coverage.


Actual cash value is replacement cost minus reasonable depreciation. The actual cash value of your household property is what the items are worth at the time of a loss. For example, a television set usually lasts about 10 years. If you own a 5-year-old TV, about half of its life is used up. While you would pay $800 to replace it with a new one, its actual cash value is around $400. Homeowners insurance usually pays actual cash value (after the deductible) for your damaged or stolen TV.


With replacement cost contents coverage, no deduction is made for depreciation. Your homeowners insurance pays the full replacement cost of a new item of the same kind and quality, minus the policy deductible. Most policies require that you actually replace the item before replacement cost is paid.

Ask your local independent agent about replacement cost contents coverage. It lets you recover costs up to the full amount of your contents insurance limit. For example, your 10-year-old TV has an actual cash value of $100, but it would cost $800 to replace it with a new one. With replacement cost contents coverage, you could receive the full $800 for the new TV, subject to policy conditions, deductible and content limits.

This coverage would not apply to rare or antique items, those with sentimental value, or items insured under special limits of liability.

Come to Citizens Agency and talk with one of our local agents to insure your comforts of home at appropriate values.

Article courtesy of: Cincinnati Personal Lines

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 Awards Scholarships

Emily Grob, a graduate of New Ulm High School, and Martin Halvorson, a graduate of Lakeville South High School, were recently presented with the Citizens Bank Minnesota’s fifteenth annual scholarship awards.  These scholarships are part of the Community Bankers Scholarship Program TM.  Both of these students received a $1,000.00 scholarship that is renewable for a potential value of $4,000.00 over four years of post-secondary education.

Alexa Diersen, a graduate of Minnesota Valley Lutheran High School, and Lucas Elias, a graduate of Lakeville North High School, were the recipients of a $500.00 Citizens Bank Minnesota scholarship.  This is something that is offered as a random drawing to all high school seniors from the New Ulm and Lakeville area that completed the Citizens Real Life Skillz online classes.

Each year, Citizens awards two or more high school seniors with scholarships.  The scholarship program was developed to express our belief in the youth and their potential to make a difference in our community. Citizens is proud to invest in their future by promoting education and excellence.

Emily Grob

Emily, daughter of Michael and Wendy Grob, will be attending the University of North Dakota this coming fall, pursuing a degree in pre-med and biochemistry.

Martin Halvorson

Martin, son of Chuck Halvorson and Maureen Thielen, will be attending the University of Minnesota – Twin Cities this coming fall, pursuing a degree in electrical engineering/computer science.


Alexa, daughter of Greg and Kelly Diersen, will be attending Winona State University this coming fall, pursuing a degree in nursing.

Lucas Elias

Lucas, son of David and Patty Elias, will be attending the University of Minnesota – Carlson School of Management this coming fall, pursuing a degree in business/engineering.

April 24, 2015 marked the 19th annual “Teach Children to Save Day”

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During the week of April 20th – 24th, several Citizens Bank Minnesota employees visited second grade classrooms in the New Ulm and Lakeville areas and connected with over 750 students, in 9 different schools, raising awareness on the importance of saving money at an early age, for “Teach Children to Save”.

“Teach Children to Save” is a national financial literacy program that organizes banker volunteers to help young people develop a savings habit early in life. Since the program started in 1997, more than 177,000 bankers have taught savings skills to some 6 million students. This year eighteen members of Congress also joined with participating bankers to co-host events!​

To emphasize how banks are a better place to save their money than at home in their piggy banks, we have the students play a game with Laffy Taffy.  After the class is divided into two, they each take turns to “make a deposit” with their taffy, one group to their piggy bank, the other to the bank.  After the first round, the students who deposited their taffy at the bank receive interest in the form of more taffy.  After five rounds, the bank students have an overflowing bucket of taffy, while the piggy bank students have only the amount of taffy they started with.  This is a good visual and interactive example for students to see the benefits of saving.

Following the Laffy Taffy game, the students talk about different ways they can add to their savings accounts, such as receiving money as a gift, earning money from jobs at home, or their allowance.  They also talk about their savings goals, such as buying video games or toys now, or saving for a car or college in the future. The students are always ready to ask questions in regards to saving and the bank! And of course we leave a bucket of the candy with the teacher to pass out when she sees fit!

Citizens has a great youth Savings Force account with a Power Rewards Program. This program is geared towards saving money and getting good grades in school to earn rewards!  It also includes receiving fun, educational newsletters, postcards for their birthdays and treat bags, and special promotions throughout the year. If you are interested in opening a savings account for your child or grandchild at Citizens, please stop in and talk with one of our Client Service Representatives today! You can also see details on our website at http://www.citizensmn.com/personal/the-savings-force.

By: Sarah Seifert, Marketing Assistant/Youth Club Coordinator


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