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, Lewisville, 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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Writing a Business Plan

January 14, 2019

So you’ve decided to launch your own business and be your own boss. Now what? The best step you can take now is to have a plan, or more specifically a Business Plan. Yikes! Don’t you need an MBA to write a business plan? Thankfully, the days of 100 page business plans are over, but that doesn’t mean you should bypass this important more

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Welcome Ken Hall

January 6, 2019

Citizens State Bank is pleased to announce Ken Hall more

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50-30-20 Budget Rule

January 3, 2019 | Leah Johnson-Driver

There are as many ideas about budgeting as there are financial writers. While it’s important to find a more

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2019 Financial Review

January 1, 2019

An annual financial checkup is as important for your finances as a physical is for your health. You can review your financial goals, determine where you are in reaching them, and more

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Financial Education - the Holiday Gift that Keeps Giving

December 10, 2018

The holidays are here, leaving many of us wondering what on earth to give as gifts. We browse the “gift set” more

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Avoiding Vishing Scams

December 4, 2018

As long as people have money, there will be criminals devising new ways to take it. As consumers are becoming more knowledgeable about “phishing” attempts, some more

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Managing Your Checking Account

November 25, 2018

After you open your account, it’s important to keep track of your money. Today there are more ways than ever to monitor your account and avoid unnecessary more

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Raising Money Smart Kids

November 17, 2018

It's never too early to teach your kids about handling finances, more

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Small Business Year-End Checklist

November 13, 2018

Mid-November is a great time to start preparing for more

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Why Use a Community Bank?

November 6, 2018

Watch this short video (Hint, it's not just about the popcorn and dog treats) more

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Money Management Tips for New Business Owners

October 29, 2018

Starting your own business is stressful. In addition to being an expert in your field, you’ll need to become an expert about your company’s finances. Understanding money management is important, even if you’ll be using a bookkeeper to manage your more

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Service Awards Announced at Annual Appreciation Event

October 29, 2018

NEW CASTLE, IN, October 12, 2018: Each year, Citizens State Bank holds an Employee “Fun Day” Appreciation event. This year’s celebration was held at the Cornerstone Center for the Arts, Muncie. The more

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Traditional vs. Roth IRAs

October 11, 2018

You realize the important role an IRA can play in your retirement, so which type of IRA should you use – Traditional or Roth? And what’s the difference? more

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Planning for Retirement

October 2, 2018

“Planning for retirement” may seem like one of the most daunting financial tasks we face, but it’s also one of the most important. Fewer than half of Americans have calculated how much they need to save for retirement, which can lead to some avoidable more

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Identifying Phishing Emails

September 26, 2018

When a scammer uses fraudulent emails, texts, or copycat websites to get you to share your personal information, it’s called more