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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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

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Personal Banking 101

September 25, 2018

Most people start their banking journey with a checking and savings account. (“Deposit” accounts.) A checking account gives you easy access to your money – this is where most of your deposits and withdrawals (“transactions”) take more

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Pay Yourself First

September 25, 2018

Everyone knows they need to put money into savings – to buy a home, pay for unexpected expenses, for retirement – but while we may have good intentions, there’s often nothing left from our paychecks to save. This is where one of the best, and easiest, ways to save money comes in – Paying Yourself more

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How to Choose a Merchant Card Processor

September 25, 2018

For most business owners, it won’t come as a surprise to learn that nearly 66% of all in-person transactions involve plastic. That’s why choosing your merchant card processor, more

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ATM Skimmers

September 25, 2018

In order to steal your debit/credit card information, thieves install electronic devices (“skimmers”) over the normal card reading slot of an ATM/point-of-sale (POS) machine. The skimmers record data from the magnetic strip on the back of the card which can then be used to manufacture counterfeit cards, make purchases, or withdraw funds from your more