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 Community Scholarship

February 15, 2022 | Leah Driver

Traditional and non-traditional students are invited to apply....read more

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Anyone Can Start a Career in Cybersecurity

February 7, 2022 | Lodrina Cherne, Principal Security Advocate at Cybereasonand Certified Instructor at the SANS Institute

Have you considered a career as a cybersecurity professional? It is a fast-paced, highly-dynamic field with a huge number of exciting...read more

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Cyber Security for Small-Mid Size Businesses

February 1, 2022

Cyber-attacks are a growing threat for small businesses and the US economy. According to the FBI’s Internet Crime Report, the cost of cyber crimes exceeded $4.2 billion in 2020. The most successful cyber-attacks typically utilize the same...read more

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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

Image for Nate Niehoff Named Associate Agriculture Lender/Commercial Relationship Manager

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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Small Business Financial Management

December 29, 2021

Financial management can be daunting, so here are a few useful tips to help make setting up your small business finances easier. (Setting up your finances correctly can save you big headaches down the road!)...read more

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Using Payment Strategies to Manage Cash Flow

December 14, 2021

Proper cash flow management is a skill every business owner must master for long-term financial success. If you've ever been in a position where you don't have enough in the bank to pay your bills - despite...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