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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Citizens State Bank Announces Scholarship Winner

June 22, 2022 | Leah Driver

Citizens State Bank is pleased to announce the winner of the 2022 Citizens State Bank Scholarship is Ms. Lyndsee Mills of Union City....read more

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Be on the Lookout for Elder Financial Abuse Scams

June 13, 2022

Roughly 20 percent of older Americans fall prey to financial exploitation losing on average $120,000, or $3 billion every year, according to a study from the AARP Public Policy Institute....read more

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See How to Determine Eligibility And Claim Your Employee Retention Credit

June 10, 2022

The Employee Retention Credit (ERC) is a payroll tax refund born out of the same COVID relief bill as the Paycheck Protection Program (PPP),...read more

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Securely Gaming Online

June 2, 2022 | Charlie Goldner, founder of CyberNV and a SANS instructor

What makes online gaming so fun is that you can play and interact with others from anywhere in the world, often you don’t even know the people you are playing with. While the vast majority of people online are out to have fun...read more

Image for Citizens State Bank, ICBA Offer Insights into the Homebuying Process

Citizens State Bank, ICBA Offer Insights into the Homebuying Process

June 1, 2022 | Nicole Swann, nicole.swann@icba.org, 202-821-4458

June is National Homeownership Month, and Citizens State Bank - with the Independent Community Bankers of America (ICBA) - are encouraging current and prospective homeowners to consult their trusted local lender....read more

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Cash Flow Projections

May 26, 2022

A Cash Flow Projection is a financial statement that shows how cash is expected to flow in and out of a business (cash flow). It's used to see if projected cash receipts (cash in) will be sufficient to...read more

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What's it like to manage a banking center?

May 9, 2022

If you've ever wondered what it's like to work in management at a bank, check out this episode of the podcast WEEM Weekly....read more

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Celebrating the Boss

May 2, 2022 | Leah Driver

Have you ever read something and thought "Dang, I wish I'd written that?" Well, that's how I felt when I read the following by Geri Aglipay U.S. Small Business Administration’s Great Lakes Regional Administrator...read more

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Citizens State Bank Named a Five Star Member of the IBA

April 27, 2022 | Leah Driver

Citizens State Bank has been honored as a Five Star Member of the Indiana Bankers Association (IBA). The award...read more

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Top Three Social Media Scams

April 19, 2022 | Chris Elgee, Certified SANS Instructor

While social media is a fantastic way to communicate, share, and have fun with others, it is also a low-cost way for cyber criminals to trick...read more

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Cyber Clean for Spring

April 14, 2022 | Carlos Kizzee MS-ISAC Vice President, Stakeholder Engagement

For two years, you’ve accumulated digital clutter and technical debt at a rate previously considered impossible, at least pre-pandemic. The good news...read more

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The Lifecycle of a Community Bank

April 3, 2022

The idea of “sustainability” is linked to a lot of our local activities these days—whether it’s reusing or recycling products, sampling culinary delights from the local bakery,...read more

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World Backup Day

March 31, 2022 | Leah Driver

I understand procrastination - you're busy, time gets away from you, you're tired - there's no excuse I haven't used to delay something I know I should do. Apparently I'm not alone...read more

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Details About the SBA 7(a) Loan Program

March 8, 2022

Though there are several types of Small Business Administration (SBA) loan programs, the 7(a) is the most common way the SBA supports small businesses....read more

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Fraud Alert! Beware of Common Tax Scams

February 23, 2022 | Carlos Kizzee, Vice President of Stakeholder Engagement MS-ISAC

Tax season is upon us, a time of year when the scammers go into overdrive. Be extra careful while online, and avoid activities that could put your identity and finances at risk. It doesn’t matter whether...read more