Category Archives: Our Neighborhood

Thankful you’re our customer!

In the spirit of thankfulness, everyone at Two Rivers Bank & Trust wants to extend our gratitude to you, our neighbors.

In the last year we’ve made many updates to our products and services to make them even better for you.Picture1

“Two Rivers Bank & Trust is always looking to increase consumer protection and safety for our customers,” said Linda Springsteen, Senior Branch Manager in Mediapolis. “It’s our top priority.”

Our upcoming domain name change and new website will increase security for you and make it easier to access financial tips and tools.

“Only a financial institution’s website domain can end in .bank, making it much easier to verify the site and know your web browser is safe,” Springsteen explained.

Mobile Money, our mobile app, allows you to take Two Rivers with you wherever you go. View account balances, transaction history, transfer funds between accounts, and pay your bill anytime, anywhere!

We hope that you take time to enjoy this holiday season with your loved ones and we hope you know how happy we are to serve you.

“We always want to do right by our customers,” she said. “2018 will be another year to show our neighbors how much we care from education about financial safety and budgeting to new products and services delivered with good, old-fashioned customer service.”

Follow us on Facebook, visit our blog regularly, and stop by to see us to know everything new at Two Rivers Bank & Trust!

Ways to give back to the community

It’s hard to turn on the news and not get discouraged by current events. But, we’ve seen the country come together to help hurricane-affected cities and we know our local communities have the same capabilities.

As we enter the season of giving, Two Rivers Bank & Trust wants to remind our business partners that giving back is not just an individual’s responsibility. We know it’s a busy time for everyone, but there are ways, big and small, you can get involved.

Cyndi Parks, Senior Branch Manager at Two Rivers Bank & Trust, explained some of the ways we help out in our

“Last month was the 25th anniversary of our Paint-A-Thon in Burlington,” Parks said. “More than 500 homes have been painted by thousands of volunteers over the years. It’s wonderful to see our communities wrap their arms around at-need families.”

Since the holidays are right around the corner, we wanted to let you know about two of our volunteering programs that take place in December.

By market, some of our branches adopt a family at Christmastime and some accept Toys For Tots donations. In Burlington and Mediapolis, we also involve local law enforcement for a special day.

“One of my favorite activities is Shop With A Cop,” she said. “Uniformed officers take children to Walmart to shop and spend the afternoon together. It’s truly incredible. I’ve seen kids buying paper products because they know they need them at home and I’ve seen kids buy presents for their siblings. The officers love the time, too.”

Community volunteering is something Two Rivers employees take very seriously.

“As our neighborhood financial institution, taking care of our community is important,” Parks explained. “We care about our neighbors and giving back to the community whether it’s financially or with our time.”

So this holiday season, we encourage you to give of your presence, mentor, coach, and be visible in your community. It matters more than you’ll ever

Small Businesses, Welcome!

Small business owners. We see you. You are valued. We know how hard you work every day to make your dream a reality. As your neighbor, we’re here for you.

David George, Market President – Mt. Pleasant, explained what Two Rivers Bank & Trust can do for you. “We always look to do at least one of four things for small business owners,” he said. “Save them TIME, save them MONEY, make their lives more CONVENIENT, and make them MONEY.”

Our Business Banking Services can help make that happen. Our online banking and bill pay services & remote deposit capture are the best services to use to make a business more efficient.small business

Our financial team at Two Rivers Bank & Trust loves to help small business owners. “My favorite part of working with small business owners is to truly understand their unique stories and then add value by helping them explore all banking opportunities that they have available through us,” George said.

We’re here to help you through every business milestone. What can you expect when you work with Two Rivers? “When working with Two Rivers Bank & Trust, business owners can expect true understanding and compassion about their business and their needs,” he explained. “Our employees are a part of the community and will support the business every step of the way.”

Stop by and talk with us about how Two Rivers Bank & Trust can help you reach your business goals. Here are a few other tips in the meantime!

Be a good bookkeeper. Invest in a service, Quicken or QuickBooks, so that you always know your financial situation. Everyone at Two Rivers cares about your success, but no one looks after your money like you do.

Be who you are. Having a business plan and a marketing plan are important. Stay true to who you are and give your customers consistent messaging. Your brand is what people say about you!

You have a neighbor in Two Rivers Bank & Trust! We care about our communities and the small businesses that make them unique. If you need help starting your business, need access to convenient banking services, or benefits packages for your employees, come see us!

Mortgages with Two Rivers – You Have Options

Sweet summertime is one of the most popular times to buy a house. Choosing which home to purchase is one of the most important decisions you’ll ever make. If you’re looking for more information, check out our blog about home buying.

Two Rivers Bank & Trust is alongside you for every milestone, including buying a house! Julie Brown, Retail Loan Officer at Two Rivers, explained the flexibility of your options with us. “We have a variety of loan options available at Two Rivers,” she said.

“Instead of only offering a cookie-cutter, one-size-fits-all mortgage product we will take the time to sit down with you as your trusted financial partner and talk through your individual situation. By discussing your individual situation, talking about monthly payments you are comfortable with, as well as how much you have available for a down payment, we are able to figure out what loan product will best work for you with your current or future home.”moving

If you think you’ve found your dream house or you’re ready to start looking, come see us! “As far as home mortgage products we offer in-house Adjustable Rate Mortgages, secondary market conventional loans, VA loans, FHA loans, USDA loans and Jumbo loans,” Brown explained.

While these options might seem overwhelming, let one of our loan professionals help you through the home financing process.

“The best advice I can give a first-time home buyer is to educate yourself,” Brown said. “Buying a home is an exciting and emotional experience, it is easy to look at a home for sale and see the listing price but have no idea what the monthly payment will be. By coming to Two Rivers to be pre-qualified to purchase a home you can then look at a listing and know roughly what your monthly payment will be on that property.”

Another benefit of being pre-qualified is the added negotiating power you can offer a seller, making them comfortable with your financial ability to purchase their property.

Don’t forget, if you have a mortgage with another institution, we can help you refinance.

“If you are considering refinancing your home we can sit down with you and review your individual situation, your current mortgage amount, your current interest rate and remaining loan term,” Brown explained. “By doing this, we can determine if there is an opportunity to lower your monthly payment or to shorten your loan term.”

At Two Rivers, we are willing to take the time, as your trusted financial partner, to look at your current or future mortgage needs to make sure you are utilizing the best loan product for you. Come see us!

Two Rivers Bank & Trust – Member FDIC, Equal Housing Lender

Two Rivers: Helping Your Business Reach Your Goals

Every business has goals. Whether they’re short term or long term, goals for your business should be SMART. Specific, Measurable, Achievable, Relevant, and Time-bounded. If this seems overwhelming, don’t worry. It’s not.

Start with a big picture idea and put it through the SMART criteria.

Here’s an example: “I want to increase sales by 20%.” That’s not a SMART goal.

This is: “I want to meet the sales objective of booking $1,000 in orders, two additional salespeople will be hired to grow sales by 5% each month.”

No matter your goals, Two Rivers Bank & Trust can help you achieve them.

“One of the things we can do is help business customers find and identify industry trends and see how their business is benchmarked against other similar businesses,” Matt Shinn, Market President at Two Rivers Bank & Trust said.

“At the end of the day we want to be sure we’re providing additional value and that we’re viewed as our customers’ trusted advisor.”

It doesn’t matter if you are a small business on Main Street or a large international corporation, Two Rivers has the expertise, products, and services to support you. We understand your needs and can offer you the benefits of a large institution with local blog

“We have all the sophisticated cash management products and services, all the electronic banking tools, and we combine that with our ability to make the decisions locally,” Shinn explained. “We do a great job blending the two together.”

“For example, when our lenders go out into the field and meet with a business owner, they build a relationship,” he said. “Most of the time, that lender is the one who is going to represent them and make the decisions.”

Two Rivers Bank & Trust was built on lending, advising, and partnering with small businesses. That’s what we’ve always done.

“We want to do whatever is in the client’s best interest,” Shinn said. “Our mission is to make sure we find a solution for the customer to help them meet their goals.”

Visit our website or come talk with us to learn about the services we can offer your business. There is nothing better than access to the modern and updated tools of a large bank right here in your neighborhood.

Investing, in the Beginning

Budgeting and saving your money is the first step to financial freedom. Investing is the next.

To some, the stock market is a very scary place full of uncertainty. We understand! At Two Rivers Bank & Trust, we want you to achieve the financial success you’ve worked hard to earn. We can help you make that happen through our Two Rivers Investment Services team.

Our investment professionals can assist you if you want to invest and save for the short and long term with our array of mutual funds, stocks, and money market options.

With Two Rivers in your corner, you don’t have to be an expert to make a thoughtful investment plan.invest blog

Tom Johanns, Senior Vice President – Senior Trust Officer at Two Rivers, encourages you to do your research first. “There are a lot of great places to gather information about investing before you jump in,” he said. “Trade publications and Internet sources are helpful. In fact, at Two Rivers, we actually have several investment classes available at no charge.”

Best practices for a beginner investor? “One good investing technique to practice is dollar-cost averaging,” Johanns explained. “That means you buy a fixed dollar amount of a particular investment at a regular interval.”

What can Two Rivers do for you? “We have the most complete offering of investment services and guidance,” Johanns said. “We can literally provide our clients help throughout their entire lifetime.”

We can offer you personalized financial planning by analyzing your current financial situation, helping you determine achievable goals, and then we guide you in implementing the plan that works for you.

Our investment professionals care about you, our neighbor! Visit our website for more information about our Investment Services, Financial Planning, and Investment Accounts.

Investment and Insurance Products: Are Not insured by the FDIC or any other federal government agency; Are Not deposits of or guaranteed by the Bank or any Bank Affiliate; May lose value.

Won’t You Be a Good Neighbor?

At Two Rivers Bank & Trust, we love our neighbors. And our more mature neighbors have a lot to love about the Good Neighbors Club!

The Good Neighbors Club is for customers 55 and up who have a checking or savings account and a $5,000 relationship with Two Rivers. Join our more than 3,000 members, it’s really easy!

We think you deserve a few perks and as part of the Good Neighbors Club you’ll receive:

  • A bi-monthly newsletter
  • Free GNC checks (standard wallet or duplicate checks)
  • A $6.00 discount on designer checks
  • $5.00 annual discount on your Safe Deposit box
  • 10 free photo copies per month
  • An annual anniversary buffet luncheon
  • Educational seminars during the year
  • Travel opportunities including several day trips, an international trip and a domestic destination available every year

Renee Zaiser, the Good Neighbors Club Director, says working with the Good Neighbors feels like working with family.casdf

“We want to help our customers have great experiences with educational seminars, small and extended trips, and special events,” she said. “I want them to grow friendships, have fun, and feel like family.”

If you’re ready for a little adventure, the Good Neighbors Club is headed to Mackinac Island in September and Australia and New Zealand in October!

“Our club members have told me many times that we made their dreams come true. I don’t think we could do any better than that!”

Check out our website to learn more about the Good Neighbors Club and read our latest newsletter!

We’d love to see you on our trip to New Zealand!


6 Neighborhood Events to Help You Beat Cabin Fever

Living in Iowa in the winter time can sometimes feel like a drag. Between students being on break and long weekends in January, we know your family may be experiencing some cabin fever. At Two Rivers Bank & Trust, we are deeply invested in our local neighborhoods and your winter wellness!


Megan Fritz, our Burlington Branch Manager on Roosevelt Avenue, thinks going out into your neighborhood is the best way to fight the winter blues. “Going to events in your community gets you out of the house and more involved,” she says. “Once you go to one event and meet new people, you hear about more and it makes the neighborhood more connected.”

Here are some local activities for you and your family during these cold and dreary months!

January 13 – Trivia night at the Burlington Public Library. From 6 pm – 9 pm challenge your neighbors in a battle of wits and help support library programming! Visit the library’s website for more information.

January 6-22 – Ramona Quimby is coming to the Des Moines Community Playhouse! Every weekend in January, Ramona, the star of Beverly Cleary’s book series, and friends will be performing in the Kate Goldman Children’s Theatre. Check out everyone’s favorite 3rd grader here.

January 22 – Beat the dull January days by heading to the Greater Des Moines Botanical Garden for music and tropical flowers during Botanical Blues. Every Sunday in January from 2 pm to 4 pm, musicians will fill the tropical conservatory.

January 25 – Break up your winter routine with one of the most unique musical acts around! Scott Bradlee’s Postmodern Jukebox is coming to Englert Theater at 8 pm. “Postmodern Jukebox takes your favorite Top 40 hits, throws them in a time machine, and re-imagines them in the style of classic musical eras.”

January 28 –  Eagle Watch at the Port of Burlington. Don’t miss your chance to spot an eagle and enjoy the fresh air at 10 am. Join the Des Moines County Conservation division to learn more about our national bird.

January 31 – Head into February with a classic for the whole family! The Sound of Music is coming to the Hancher Auditorium. Directed by a three-time Tony Award winner, Jack O’Brien, this rendition of the beloved musical is a great way to give January the boot!

Headed out and forgot cash? Pop over to one of our ATM locations. We’re here for you in every neck of your neighborhood.

Our Favorite Neighborhood Charities

 Giving TuesdayAs the holidays quickly approach, it’s also a time of year that makes us stop to think about those that might not be as fortunate as us.

Our West Burlington Branch Manager, Crystal DeLap, says that it’s in our nature to help. “Two Rivers Bank & Trust has a strong heart’s desire to give to their neighborhood and it’s not about the recognition. It’s doing what’s right so when we see a neighbor in need, helping them and giving to them is what we feel is right.”

If you feel in the giving spirit this year, here are some praise-worthy causes in your neighborhood that would welcome your help!

Boys & Girls Club of Central Iowa

Mission: To inspire and enable all young people, especially those who need us most, to reach their full potential as productive, caring, responsible citizens. Open to kids and teens ages 6–18 every day after school and during the summer.

Vision: Provide a world-class Club Experience that assures success is within reach of every young person who walks through our doors, with all members on track to graduate from high school with a plan for the future, demonstrating good character and citizenship, and living a healthy lifestyle.


Make-A-Wish Iowa®

Mission: We grant the wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy.

Vision: Wishes are more than just a nice thing. A Wish experience can be a game-changer for a child with a life-threatening medical condition. This one belief guides us in everything we do at Make-A-Wish®. It inspires us to grant wishes that change the lives of the kids we serve. It compels us to be creative in exceeding the expectations of every wish kid. It drives us to make our donated resources go as far as possible. Most of all, the founding principle of our vision is to grant the wish of every eligible child.

make a wish

If you work at a non-profit, DeLap says Two Rivers Bank & Trust has some great options for your funds. “There are several different checking account options for nonprofit organizations. We would love to sit down to find out what your specific needs are and go over the different options so we can pair you with the perfect account.”

It’s easy to think about those in need around the holidays, but at Two Rivers Bank & Trust, we think it’s important to give back year-round. Whether it’s Meals On Wheels, Kayla’s Cupboard, the Johnson County Crisis Center, Boys & Girls Club or Make-A-Wish, we urge others to get involved too and give back!

And it’s clear that DeLap and other employees at Two Rivers Bank & Trust are passionate about their service.

“What I feel and what I believe is that it doesn’t matter what time of year it is, or where you’re at in your life’s journey, you always have opportunities to give. It doesn’t have to be money or a wish list, it could be helping a neighbor. It’s something as simple as giving somebody your undivided attention and sharing your experiences with them. I believe that’s what it’s about. Giving to others and expecting nothing in return.”

Small Business Saturday – November 26, 2016

“The small businesses in our neighborhoods is what keeps our community going. And as your neighborhood bank, supporting those small businesses is key in taking care of our neighbors,” said Senior Branch Manager Cyndi Parks of Burlington.

That’s why after you muster up enough energy and finally come to from your turkey coma, Two Rivers Bank & Trust is encouraging you to hit the streets of your neighborhood for Small Business Saturday to spend your dollars locally!

We value our small business customers and think you should too, so here are some noteworthy places you should shop at to support Small Business Saturday on November 26.

The Chasmacian Crafter

136 West Main St.
New London, IA 52645
small business saturday
Chuck McClenning, owner at the Chasmacian Crafter, specializes in custom primitive, country and folk art décor for your home and office. Each one of his pieces contains its own character and charm because he specializes in handcrafted one-of-a-kinds, but also mass produces certain items according to the Des Moines Register. Most items are geared towards autumn, Halloween and Christmas, making this a must-stop-shop during the holiday season!

Paramount Barbering Co.

311 E. 5th St.
Des Moines, IA 50309

This five-guy premier barbershop is exactly where you’ll want to head before you go home for the holidays. Whether you’re looking to chop your locks or get your beard trimmed after No Shave November, the full-service menu is sure to have what you’re looking for. Book your appointment at Paramount Barbering Co. or browse through some of their looks on their Instagram or Facebook!

Miss Kay’s FashionsMiss Kays

802 SE Oralabor Road
Suite 108
Ankeny, IA 50021

Miss Kay’s Fashions is your complete fashion destination—from head to toe! If you’re looking to amp-up your wardrobe, check out their exclusive clothing line and accessories and if you really want to feel red-carpet-ready, their bronzing and beauty bar is the place for you. Gorgeous sun kissed bronzing, brows, and professional makeup all in one location. On Small Business Saturday, stop in for snacks and goodie bags because they’re ready to celebrate you!
If you’re a small business owner, we’d love to discuss how Two Rivers Bank can help you! Parks said that there is no business too big, or too small for them to tackle. “We have customers that range from the one and two employee small businesses to the 50 or 60 employee businesses. From retail to manufacturing, restaurants, you name it, and they bank at Two Rivers!”

But what puts small business banking at Two Rivers at the top?

According to Parks,

“Two Rivers has a great small business account, but on top of that, it’s the service you’ll receive from a community-minded bank. When you are a small business, we know it’s hard to get to the bank, and so with our remote-deposit capture and online cash management you never have to leave your store to do your banking. It also comes down to the personal care that we give our small businesses, because we’re willing to come out and help set up a cash advance machine or anything else that may come up.”

Find a Two Rivers Bank & Trust location nearest you, or give us a call, to see how we can help with your small business banking. And Parks wants you to remember to shop local for Small Business Saturday!

“It goes back to taking care of the community. The large retailers have the dollars and the advertising, but when you shop local and you shop small, it’s taking care of your neighbors and it gives them money to turn around and spend back into our community.”