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Citizens announces changes to Marketing Department

Marketing group pic

Citizens Bank Minnesota is pleased to announce exciting changes in their Marketing Department.

The Citizens Marketing Department has certainly evolved over the years, from a one-woman shop in the early 2000’s to a team of five. As the future of bank marketing continues to evolve, especially with the addition of Digital Marketing and Data Analytics. Citizens understands that continued growth in this area is necessary and understands the important role a Marketing Department plays in promoting their business and mission.

Jon Maier – Director of Sales & Marketing

Maier, joining Citizens in 2017, has been promoted to Director of Sales and Marketing. Jon will continue in his role as Branch Manager of our Lakeville Branch. In his new role as Director of Sales and Marketing, he will be responsible for the overall sales and marketing program to grow the bank. He will oversee and monitor all sales and marketing initiatives, oversee and monitor the marketing budget, and develop yearly sales and marketing strategies with the marketing team.

Missy Visser – Marketing and Culture Officer

Visser, joining Citizens in 2000, has been promoted to Marketing and Culture Officer. Missy will continue to implement all traditional marketing strategies, brand management, event management, community outreach and PR for the bank as well as oversee the day-to-day functions of the marketing team. In her new role as Culture Officer, she will develop and implement yearly culture training, new hire culture training, and help ensure our staff is committed to Delivering the Ultimate Experience on a daily basis. In June, Missy will become a Strengths Finder coach and develop a training program for managers and staff to help them implement their strengths within their departments.

Sarah Seifert – Digital Marketing Coordinator

Seifert, joining Citizens in 2013, will continue to manage and implement all digital marketing strategies for the bank. Sarah will be responsible for all digital channels and being aware of what is new to the industry. Digital channels include social media outlets, website, and email marketing. Our goal with the changes is this will allow her to focus more of her efforts on SEO research, Google analytics and video development.

Lori Dummer – Marketing Assistant

Dummer, joining Citizens in 2015, will continue to manage the Gluck-n-Spiel Club along with the youth banking and scholarship programs. Lori’s new focus will be on customer and product marketing. She will develop customer retention strategies, research areas for customer growth and develop target marketing strategies.

Kris Wilfahrt – Marketing Assistant

Wilfahrt, recently added to the team as a temporary marketing assistant in early 2019, has been promoted to full-time. She will be our lead graphic designer with a focus on creative and administrative duties for the department.

How To Change Your Online Banking ID

How do I change my Online Banking ID?

  • Log in to your Online Banking, go to the Options tab, and scroll down to “Modify Login Information”.

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  • Enter the Online Banking ID you would like, following the rules provided. Scroll down and click submit.

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And WooHoo!  You’re done!

For more information about Citizens Bank Minnesota’s Online Banking or any of our online services, visit: www.citizensmn.bank/personal/online-services.

Member FDIC

MBA Honors Sharon Nordby for 50 Years of Service

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Sharon Nordby and Citizens Bank Minnesota’s CEO, Lou Geistfeld.

Citizens Bank Minnesota employee, Sharon Nordby, was inducted into the Pioneer Banker Club at the Minnesota Banker’s Association Annual Summit on June 12.

“It is an award of the Minnesota Bankers Association to recognize and honor bankers who spend 50 years or more in the profession of banking in Minnesota,” Director of Education and Communications Eric Hauth said.

Sharon Nordby’s banking career began at Citizens State Bank of New Ulm (now Citizens Bank Minnesota), in New Ulm, MN as a full-time teller on January 15, 1967. She has been a true leader and has been a valuable asset to the bank throughout her many years at Citizens.

Over her years at Citizens, Sharon has seen many changes in the banking industry, made possible mostly by computers and improved technology. When she started in banking, interest and service charges were calculated manually and many ledgers were hand posted. Teller machines did not exist. Tellers doubled as bookkeepers. Checks were couriered to correspondent banks for clearance and manually posted to client’s accounts. The passbook savings rate paid at one time was much greater than the rate paid on any CD today.

In 1989, Sharon was promoted to Operations Officer/Assistant Cashier. Her duties included supervising the teller operations, vault management and security. She also served on the Management Team until her retirement in 2011.

Since July 2011, Sharon has been working on a part-time basis and truly enjoys the part-time position. Her fondest memory is that she met and worked with so many great people over the years along with meeting so many wonderful clients!

Your Resolution, Your Home

new house

Is purchasing a new home on your list of resolutions and goals for 2018?  We found this helpful article that has some great tips on how you can reach that goal! Full article

And as always, our team of Citizens Mortgage lenders is only a phone call away if you have any housing questions you need answered – 800-549-0194. More information can also be found on our website at: cbnu.mortgagewebcenter.com

 

The Farm Economy

combine and field

As the seasons change, so comes another harvest nearing an end. After harvest, many farmers will start to compile their farm records, perform year-end tax planning and plan for the upcoming year. The farm economy has seen its share of challenges and farmers continue to search for ways to remain viable after multiple years of declining profitability.

On Thursday, January 18, 2018, Citizens Bank Minnesota is hosting a seminar with nationally known speaker, Dr. Michael Boehlje, Professor Emeritus in the Department of Agricultural Economics and the Center for Food and Agricultural Business at Purdue University. He previously held faculty and administrative positions at Iowa State University, University of Minnesota and Oklahoma State University. Dr. Michael Boehlje has devoted his career to helping farm and agribusiness managers and policymakers understand the pragmatic economic and financial consequences of their decisions.

The fundamental focus of his work has been to integrate concepts of economics, finance and strategy to solve problems of farm and agribusiness managers. A major theme of Dr. Michael Boehlje’s research, writing and lecturing for the past 10 years has been the importance of strategic planning and thinking, and positioning the firm for long term viability and success.

The following are a few of his recommendations he calls “Elements of Best in Class”:

1. Intense Cost Control
-Efficiency/productivity is critical
-Know your cost components per unit sold

2. Margin Management
-Know your costs of production
-Know your margins

3. Execution
-Timely operations
-Details, details, details

4. Buying Right
-Compare supplier offers
-Consider repairing rather than replacing

5. Managing Operating Risk
-Technology performance –pest control, fertility effectiveness/loss, seed selection
-Marketing/pricing of inputs and products
-Government programs and crop insurance participation

6. Debt/Capital Management
-Maintain working capital
-Reduce capital expenditures
-Don’t surprise your lender

7. Simplification/Automation
-Complexity creates confusion/mistakes

8. Do Fewer Things Better
-What is your hedgehog –what do you do better than anyone else?
-Focus and intensify

9. Data Management
-Collect efficiently
-Capture the insights
-Think carefully

Citizens understands the uncertainties of agribusiness and can help you plan your operation throughout the year.

We look forward to seeing you at our upcoming seminar featuring Dr. Michael Boehlje! Watch for more information about the seminar coming out soon!

By: Scott Tauer, Vice President – Loan Officer

https://ag.purdue.edu/commercialag/Pages/Faculty-Staff/Boehlje.aspx

“THE FARM ECONOMY AND THE FUTURE OF AG LENDING” by Michael Boehlje
Center for Commercial Agriculture, Purdue University and Senior Associate Centrec Consulting. West Lafayette, Indiana, August 7, 2017.

Equal Housing Lender - larger

Citizens Delivers Random Acts of Kindness to 425 People

September 18-22, 2017 was Minnesota Bankers Community Impact Week, in which Citizens Bank Minnesota was a proud participant. Across the state, 95 banks and over 250 branches joined forces to serve their local communities. Citizens chose to split its staff of 94 into 13 teams and perform Random Acts of Kindness throughout the communities they serve. Citizens employees were able to impact 11 organizations and over 425 individuals. Some of the acts performed were providing healthy snacks to Davita Dialysis Center in New Ulm, serving hot dogs to the community in Lafayette and bringing a football jersey along with snacks to a local student who was recently hurt while playing football.
Launched by the Minnesota Bankers Association, the Community Impact Week creates an opportunity for banks to highlight the many volunteer opportunities available to help build stronger local communities. Citizens and their employees were proud to be a part of this effort!

Check out our video to see the businesses and individuals that Citizens impacted this year!

Harvest Safety – Part 2 of 2

TRACTOR AND SUNSETAvoid Harvesting Hazards. Know the drill. Knowing how to identify hazards is only the first step. Once you identify them, you have to learn to manage them safely or avoid them altogether. Stop and think about possible hazards while you’re operating the equipment. Be alert. Ask questions. Here are a few serious harvesting hazards to avoid:
• Avoid entanglement. Every combine or baler gets a plugged intake area occasionally. This area is also known as a pull-in point, and it can grab you in an instant. To avoid entanglement:
− Operate the equipment with care and attention.
− Ensure all protective guards and shields are securely in place.
− Clear plugged equipment only after the power is turned off and the key is in your pocket.
− Don’t overestimate your ability to react – entanglement injuries happen very quickly.
− Decrease the incidence of plugged machines through regular maintenance, late-season
weed control, and by operating during optimal conditions.
− In wet field conditions, wait a few hours or an extra day, if possible, to reduce plugging.
− If you must harvest in marginal conditions, expect crops to plug the equipment and allow extra time to unplug it.

• Don’t slip up. Most people recognize the entanglement hazard. Few realize that many more injuries are related to slips and falls around farm machines. During an average workday, you might have to mount and dismount from the combine dozens of times. The top of an average combine is 12 to 16 feet high. The operator’s platform is usually 6 to 8 feet high. Falls from these heights can cause serious injuries. If you are fatigued or careless, the likelihood of a fall dramatically increases.

Then there’s the slip factor. Ladders and platforms are often painted metal. They’re
slippery in normal conditions – treacherous when wet, muddy, icy or coated in crop
residue.

To prevent painful falls:
− Keep platforms free of tools or other objects.
− Clean ladders, steps and platforms regularly.
− Wear well-fitting, comfortable shoes with non slip soles.
− Use the grab bars when mounting or dismounting.
− Find a stable position from which to refuel or perform maintenance.
− Use three points of contact when getting in or out of machinery – one hand/two feet or
two hands/ one foot.
− Don’t underestimate the impact of fatigue, stress, drugs, alcohol, or age on your stability.

The Last Word
Harvest is a productive time. The pressure may be exhilarating, but it also creates serious stress. This can only mean one thing: an increased risk of injury. To prevent injury and reap the benefits of the harvest you’re working so hard at; take responsibility for your own safety. Injuries happen when you take shortcuts in performing routine tasks, work while mentally or physically fatigued, or fail to follow safety guidelines.

Article Courtesy Of: Fairmont Farmers Mutual Insurance Company

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
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