Financial Wellness Blog

Welcome to our Financial Wellness Blog - dedicated to highlighting financial information that's useful to everyone. We've also included a Community Spotlight to promote volunteer organizations in our hometowns - Carmel, Dunkirk, Fishers, Hartford City, Knightstown, Montpelier, New Castle, Pendleton, Rushville, and Union City. If you'd like to submit an article for a non-profit, please read this or email Leah Driver. Thank you!

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New Year, New Privacy Settings

January 19, 2022

While January 28, 2022 marks the 15th annual Data Privacy Day, each of us faces privacy concerns on a daily basis. If our private information becomes public, it can affect our credit ratings, employment options, and even our safety....read more

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Nate Niehoff Named Associate Agriculture Lender/Commercial Relationship Manager

January 7, 2022 | Leah Driver

Citizens State Bank is pleased to announce Nate Niehoff has accepted a position as Associate Agriculture Lender and Commercial Relationship Manager in our Rushville...read more

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Spot and Stop Messaging Attacks

January 4, 2022 | Jeff Lomas,SANS SEC487 Open-Source Intelligence Gathering and Analysis (OSINT) Instructor

Smishing are attacks that occur when cyber attackers use SMS, texting, or similar messaging technologies to trick you into taking an action you should not take. Perhaps they fool...read more

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Beware of Uninvited Holiday Guests (on your network)

December 10, 2021 | Carlos Kizzee, Vice President of Stakeholder Engagement, MS-ISAC

Whether you are finishing your holiday shopping or celebrating early, this is the time when you will likely be adding new devices to your...read more

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Citizens State Bank Gives Big on Giving Tuesday

December 2, 2021 | Jennifer Penix, Executive Director Carmel Education Foundation

Giving Tuesday was extra special this year for Carmel Education Foundation (CEF), thanks to Citizens State Bank signing on...read more

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Top Cybersecurity Tips for Vacation

December 2, 2021 | Princess Young, Senior Analyst at Southwest Airlines

As the holiday season approaches, millions of people will be traveling. If you are among the many, here are some tips to help keep you cyber savvy and safe....read more

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How are interest rates determined?

November 24, 2021

Imagine two people - Jane and Bill - apply to borrow the same amount of money. They have similar incomes and debt, but Jane receives a lower interest rate. Why...read more

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Stress Less This Holiday Season With These 10 Shopping Tips

November 17, 2021 | Carlos Kizzee, VP of Stakeholder Engagement, MS-ISAC

It is that time of year again, festivities, family gatherings and holiday shopping! Many consumers will avoid brick and mortar stores...read more

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What is a debit card?

November 12, 2021

Imagine reaching the cash register and not having to dig for change or write a check – paying with a debit card makes that possible. A debit card is a payment...read more

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Shopping Online Securely

November 8, 2021 | Mark Orlando, CEO/co-founder of Bionic and SANS Institute instructor

The holiday season is nearing. Soon millions of people will be looking to buy the perfect gifts, and many of us will shop online. Unfortunately, cyber criminals will be active...read more

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Are you ready to buy a new home?

November 2, 2021

A new home is the largest purchase most of us will make, so it's not a decision to be taken lightly. People often say renting is a waste of money, but it...read more

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Building Your Credit

October 25, 2021 | Leah Driver

We know how important a good credit score is, but if you've never had credit before, how are you supposed to get started? There are several good options for building your credit. The "best" one depends on your future goals and current situation....read more

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Invoice Your Clients - and Accept Card Payments - with Autobooks

October 20, 2021

If you'd like the ability to send - and track - client invoices, then accept payment directly to your checking account, learn more about Autobooks....read more

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This October, Commit to Being Cyber-Aware: Raise Your Cybersecurity Game

October 12, 2021 | Carlos Kizzee, MS-ISAC Chair

In its most recent annual Cost of a Data Breach report, the Ponemon Institute reviewed more than 500 incidents around the world. The results were sobering: the average...read more

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Avoid the Most Common Email Mistakes

October 5, 2021 | Steffanie AK Schilling, VP of Infragard - Northern Ohio

Email is still one of the primary ways we communicate, both in our personal and professional lives. However, quite often we can be our own worst enemy when using email. Here are the most common mistakes people make with email and how to avoid them....read more