Tag Archives: banking

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.”

Banking at Your Fingertips – Mobile Money App

At Two Rivers Bank & Trust, we like to make banking as convenient as possible—which is why features like mobile banking, online bill pay and electronic statements were all made with YOU in mind!

Mobile App 1Believe it or not, that’s just the beginning! We’ve added even more to our arsenal, and now it’s even easier to take your banking with you with the Two Rivers Bank & Trust mobile app!

The Two Rivers Bank & Trust Mobile Money app provides quick, easy, and secure access to your accounts — anytime, anywhere. You can check balances, transfer funds, pay bills, and find Two Rivers Bank or ATM locations, but it doesn’t stop there.

Assistant Vice President of Community Banking, Liz Ross, talks about even more exciting features you can put to use right now when you download the mobile money app.

Manage Your Cards

“One of my favorite features is the ability to turn your debit card on or off,” said Ross. “So let’s say you’re looking through your purse for your debit card and you can’t remember the last time you used it. You panic. What would you normally do? You’d call the bank. Now, you can log right into your online banking, and with two clicks, turn your debit card off. Then, if you end up finding the card, you can pick your phone back up, and with two clicks, it’s right back on.”

stolen debit card large

Organize Mobile Receipts

“If you’re like me, whenever you open up your purse or a drawer, you have a ton of receipts you’ve thrown everywhere, because at some point you know you need to settle your accounts. With our new mobile app, you have the ability to take a picture of your receipt and tie it to the transaction, allowing you to get rid of the piece of paper by capturing and saving it on your device. It keeps you organized!”

Ross also expressed her excitement for some “coming soon” features that Two Rivers Bank & Trust anticipates launching in early 2017!

Receipts

SPIN—Coming Soon!

Spin is the ability to pay someone or make transfers with your debit card. “So, let’s say you’re out to lunch with a friend and they want to pay you for lunch. You can simply initiate that transfer right at the table with your mobile app,” said Ross. “All you have to do is enter their information, and then they’ll get a cue to enter in their debit card information and it’ll send the money directly to your account.”

Apple Pay—Coming Soon!

Apple Pay is the ability to use your iPhone to make payments at grocery stores, restaurants—wherever it is compatible. Pay in seconds by placing your finger over the Touch ID on your iPhone while you hold it near the Apple Pay reader, and you’re done!

“The Two Rivers Bank & Trust mobile app is simple, safe and secure,” said Ross. “You’re in control because you always have your phone, so you can manage your accounts from anywhere. It’s a great opportunity to take control of your finances.”

Anyone who has a mobile, smartphone device can take advantage of the Two Rivers Bank & Trust mobile app. Unfortunately, those with flip phones won’t be able to use it and its features, but Two Rivers does also provide a text banking service to those without smartphones.

You can find the free Two Rivers Bank & Trust mobile app in the iTunes app store or in the Google Play store by searching, “Two Rivers mobile money.”

If you don’t know where to begin, have questions or just want someone to guide you through the process, let us know! “We would love to have the opportunity to sit down with you and walk you through the app,” said Ross. “We’d really love to get everyone as excited about it as we are!”

car

National Make A Difference Day

At Two Rivers Bank & Trust we like to take advantage of every opportunity we have to make a difference in someone’s life.

For example, Ashley from our Mt. Pleasant branch enjoys greeting our customers with a song!

Senior Branch Manager Linda Springsteen in Mediapolis says here at Two Rivers, that’s how we aim to treat each and every one of our customers.

“When our customers walk through the door, we always greet them and try to make them feel special,” said Springsteen. “We get to know our customers, not just on a financial level, but on a personal level. It’s not just coming in to take care of a transaction, and then they’re out the door. We like to have friendly conversations where we have the opportunity to ask them about their families, their trips, or anything else that’s happening in their lives.”

What Linda said goes to show that it doesn’t take a lot of time, or even a lot of energy, to positively impact someone’s life, which is why we want you to dedicate a portion of your day to Make a Difference.

Springsteen even had some great suggestions for how you can get involved. “When you’re walking down the street, say ‘hello’ to somebody or open a door for someone walking in somewhere. You could even call your neighbor to see if there’s something special you could do for them. Whether it’s raking leaves or fixing a meal, just offer to do something special for them.”

You could smile at a stranger, tell a friend you appreciate them, send someone a hand-written card, donate your time or volunteer. Whatever you decide, Springsteen believes it’s important to remember this:

“Just try to do what’s best for your community and your neighbors. At Two Rivers Bank & Trust, we like to make sure that we make a difference in everybody’s life, every day.”

 

At Two Rivers Bank & Trust, we want every day to be Make A Difference Day! Become part of our neighborhood that makes a difference.

 

Girls Just Want To Have Funds (1)

Simplify Your Business Banking

As a business owner, your time is precious. Managing your daily business transactions and keeping track of your finances can sometimes feel like a full-time job, which is why you need the right resources to help make running your business easier and more efficient. That’s why Two Rivers Bank & Trust’s financial business resources are designed with your business in mind.

Merchant Card Services

According to CreditCards.com, when consumers were asked their preferred method of payment, 43 percent chose debit cards and 35 percent chose credit cards, while just 9 percent chose cash — making it imperative for your business to provide these payment options.

Whether you are just beginning to accept credit cards or have been processing with another payment services provider, now is the perfect time to switch to the Two Rivers Bank & Trust merchant card services program.

We offer device capabilities from PC or web-based to wireless communication devices, through our partner, CardConnect. You can also explore a vast array of payment products, customized, and integrated solutions to fit your point-of-sale environment along with EVM Chip and Apple PayTM enabled terminals.

Online Business Banking

Online banking is an easy and convenient way to manage your business’ finances, view your cash flow and even pay your employees with direct depositing.

“What’s great about our Business Online Banking is the customization and control it allows you,” explains Two Rivers Bank & Trust Vice President of Business Development Cate Schnabel.

With online banking, you can access your account any time of day or day of week—you decide when managing your finances best fits your schedule, which is great for business owners who are constantly on the move. When it comes time to do your taxes, online banking also allows you the convenience of accessing your account history and transactions, so there’s no more worrying about recording all transactions or account information for tax purposes on your own—it’s all housed in one easy-to-access, safe location for up to 18 months.

“Keeping security in mind, our Business Online Banking allows you to have multiple account users, and lets you customize the account information available to each individual user. Each user is also given their own login and password, ensuring your account remains secure at all times.”

Remote Depositing
Time is a luxury you can’t afford to spare when you’re a business owner. Take some time back in your day with remote check depositing from Two Rivers Bank & Trust.

“Our remote depositing allows you to scan and send your checks directly to Two Rivers Bank & Trust any time of day, saving you time in driving to the bank to deposit checks after each business day,” says Schnabel. “Once you scan and send your checks, you can even print a report of your checks and current account status right from your desk.”

eStatements
Make the choice to go green with our paperless eStatements. Not only will you be helping our environment by cutting down on your paper consumption, but eStatements will also make organizing and bookkeeping tasks for your business so much easier. These statements can be archived for up to 18 months, and are available for review 24 hours a day, seven days a week. If you prefer to keep your paper statements organized on your own, you can even download or print your eStatements for your individual records.

If you’re ready to make your business banking easier, we’re ready to help. Stop into your local Two Rivers Bank & Trust branch location to speak with one of our financial advisors, or contact us to learn more.

Make Your Business Banking Easier

Business BankingAs a business owner, your time is precious. Managing your daily business transactions and keeping track of your finances can sometimes feel like a full-time job, which is why you need the right resources to help make running your business easier and more efficient. Two Rivers Bank & Trust’s financial business resources are designed with your business in mind—take a look.

Business Online Banking
Online banking is an easy and convenient way to manage your business’ finances, view your cash flow and even pay your employees with direct depositing. With online banking, you can access your account any time of day or day of week—you decide when managing your finances best fits your schedule, which is great for business owners who are constantly on the move. When it comes time to do your taxes, online banking also allows you the convenience of accessing your account history and transactions, so there’s no more worrying about recording all transactions or account information for tax purposes on your own—it’s all housed in one easy-to-access, safe location for up to 18 months.

“What’s great about our Business Online Banking is the customization and control it allows you,” explains Two Rivers Bank & Trust Vice President of Business Development Cate Schnabel. “Keeping security in mind, our Business Online Banking allows you to have multiple account users, and lets you customize the account information available to each individual user. Each user is also given their own login and password, ensuring your account remains secure at all times.” 

Remote Depositing
Time is a luxury you can’t afford to spare when you’re a business owner. Take some time back Remote Depositin your day with remote check depositing from Two Rivers Bank & Trust.

“Our remote depositing allows you to scan and send your checks directly to Two Rivers Bank & Trust any time of day, saving you time in driving to the bank to deposit checks after each business day,” says Schnabel. “Once you scan and send your checks, you can even print a report of your checks and current account status right from your desk.”

eStatements
Make the choice to go green with our paperless eStatements. Not only will you be helping our environment by cutting down on your paper consumption, but eStatements will also make organizing and bookkeeping tasks for your business so much easier. These statements can be archived for up to 18 months, and are available for review 24 hours a day, seven days a week. If you prefer to keep your paper statements organized on your own, you can even download or print your eStatements for your individual records.

 

If you’re ready to make your business banking easier, we’re ready to help. Stop into your local Two Rivers Bank & Trust branch location to speak with one of our financial advisors, or contact us to learn more.

Financial Literacy Month: What does it mean to be financially capable?

financial literacyDid you know that 45 percent of American households are living in a state of persistent financial insecurity, with almost no savings or financial plan for the future? Whether it be sticking to a budget, or paying off credit card debt, the majority of Americans are dealing with financial stress in one way or another. Which is why April has been declared National Financial Literacy Month—a month dedicated to teaching Americans how to better handle their finances and become financially literate.

“Being able to understand the background of your finances is a key component to general financial literacy,” says Two Rivers Bank & Trust Credit Analyst Kelsey Hull, “and is extremely important to your overall financial and personal success.”

Financial literacy is defined as the possession of knowledge and understanding of financial matters, and entails the knowledge of properly making decisions pertaining to certain personal finance areas, including real estate, insurance, savings and retirement planning. So, how do you know if you’re really financially literate? Here are a few questions to test your financial literacy (answers can be found at the end of this blog):

  1. Does carrying a balance on your credit card help your credit score?
  2. Should you pay down your largest debts first?
  3. Will Social Security be there when you retire?
  4. Is it safer to put your money into one business investment or multiple business investments?

Contrary to popular belief, financial literacy is not something learned in a classroom, it is something learned over the course of a person’s life, and is the result of the key decisions one makes during certain moments in their life—like buying a new home or saving for retirement. In addition to key financial decisions, research also shows that behaviors that promote financial well-being in adulthood are built during one’s childhood and youth, which means we must start teaching our children to develop smart financial habits from a young age.

Even if you did not develop smart financial habits as a child, there are still steps you can take to improve your financial literacy as an adult.

  1. Read newspapers and magazines: Stay up-to-date with the latest financial news by reading current news reports or by subscribing to financial magazines.
  2. Take a financial literacy class: Learn how to better your finances from a professional, and take a financial literacy class at an adult education center or junior college near you. Two Rivers Bank & Trust also offers a variety of financial learning opportunities—contact your local Two Rivers branch to learn more.
  3. Purchase financial tools: Invest in your financial education by purchasing the tools you need to simplify your financial life and grow your knowledge. There are a variety of great financial apps for your smart phone to choose from—and, a lot of them are free. (Mint, Acorn, Digit and Wally)
  4. Help your kids learn: Improve your financial literacy by teaching smart money habits to others—like your children.
  5. Utilize your resources: “All of us at Two Rivers Bank & Trust are here for you,” explains Hull. “Whether you’re looking to better understand your financial standing, or just need someone to talk to about your financial options, walking into your local Two Rivers branch is a great way to start the conversation.”

Here are your answers to the above financial literacy questions.

  1. Does carrying a balance on your credit card help your credit?

Answer: To carry a balance on your credit card means to carry debt. Paying off your debt can help you build your credit, so keeping a balance on your account is never a reasonable solution to building your credit.

  1. Should you pay down your largest debts first?

Answer: “A good rule of thumb is to pay off your debts with the highest interest rates first—whether that be your smallest or largest debt,” says Hull. “Once you’ve paid off your debts with the highest interest rates, you can then begin to reevaluate your additional debt moving forward.”

  1. Will Social Security be there when you retire?

Answer: Social Security benefits do not kick in automatically when you retire. You need to apply for your benefits through an application process. You must also accumulate the appropriate number of credits and reach the age of 62 before you can apply for any Social Security benefits.

  1. Is it safer to put your money into one business investment or multiple business investments?

Answer: It is safer to put your money into multiple business investments. Spreading your money out among multiple investments minimizes your financial risk and decreases your chance of losing all your money due to one bad investment.

If you are concerned about your financial well-being, contact Two Rivers Bank & Trust today. As your neighborhood bank, we care about your financial future, and are here to ensure you remain on a smart financial path.