Citizens Introduces Mobile Wallet

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Now you can load your Citizens Bank Minnesota Mastercard® Debit Card into your Mobile Wallet, make it your default card and simply Tap – Pay – Done!

What is a Mobile Wallet?

A mobile wallet is a way to carry your debit card or credit card information in a digital form on your mobile device. Instead of using your physical card to make a purchase, you can pay with your smartphone, tablet or smartwatch.

You can use your Citizens Mastercard® Debit Card with any of these trusted wallets: Apple Pay, Google Pay, Samsung Pay and Masterpass.

How Mobile Wallets Work

  1. Download the mobile wallet app (or it may already be built into your mobile device).
  2. Add your credit card or debit card information to the mobile wallet.
  3. When you check out at participating merchants, access the mobile wallet and choose your card. If you’re making an in-store purchase, just hold your mobile device at the terminal, over the Near Field Communication (NFC) reader.

You can learn more about Mobile Wallets on our website: www.citizensmn.bank/personal/mobile-wallets

We have videos about the Top 5 Reasons WHY you should use a Mobile Wallet!  They are informational and entertaining, and you can view them all by clicking on the links below.

Reason #1 – Enhanced Security

Reason #2 – Organization

Reason #3 – Reduce Wear & Tear

Reason #4 – Convenience

Reason #5 – No More Pesky Forms

By: Sarah Seifert, Digital Marketing Coordinator

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

 

Citizens Bank Minnesota employees donate $3,000.00 worth of gifts to 6 families in need.

Citizens Bank Minnesota employees were excited to help 6 families in need this Holiday Season. Our main office in New Ulm as well as our three branch locations in Lafayette, La Salle and Lakeville each adopted area families as well as delivered needed supplies to the Crisis Nursery. Money was donated by employees, raised through bake sales and free-will donation luncheons, and a bank match was given making it possible to donate $3,000.00 in gifts for these families.

We were happy to help these 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!

May Your Christmas Be Merry & Bright!

Citizens Bank Minnesota would like to wish you all a Merry Christmas and a Happy New Year!

We’ve put together a fun Christmas Greeting video for you to watch. We hope you enjoy it as much as we enjoyed putting it together!

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 Travels One of Europe’s Most Legendary Rivers – The Rhine River

A group of 72 travelers from Citizens Bank Minnesota recently returned from a nine-day cruise on one of Europe’s most legendary rivers – the Rhine. They began their journey in Switzerland and had an overnight stay in beautiful Lucerne before boarding their riverboat for a cruise up the Rhine River. They saw the magnificent sights along the way of Mount Pilatus, the Black Forest, gothic cathedrals, beautiful castles and sailed through the dramatic Rhine Gorge  just to name a few. The group enjoyed a picturesque cruise and was blessed with beautiful fall weather with temperatures above average for the time of year. The countries visited were Switzerland, Germany, France and the Netherlands. Thanks to all the great travelers who made the trip amazing!

Traveler comments:

“It was a spectacular trip, well planned out. Thanks to all of you for a job so well done!” -Mary

“What a great trip!” – JoAnne

If you are interested in traveling with Citizens to Alaska in June 2018 or Australia/New Zealand in February 2019, please contact Jean Geistfeld for more information at 507-276-2406.

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