Tag Archives: neighborhood

Spend less this holiday season

According to the American Research Group, the average American spends $929 every holiday season on gifts and 56% of Americans in debt add to it during the holiday season.

At Two Rivers Bank & Trust, we understand you want to do everything you can for your loved ones without negative financial consequences. We’re here to tell you some ways to spend less this holiday season.

Kristin Fritz, Teller Supervisor at Two Rivers Bank & Trust, suggested one of our helpful products.santa pig

“Our TR Cash Back Checking account is a great way to help yourself during the holidays,” she said. “You basically get 10 cents back on most purchases, if you’re using our debit card.”

You can also use cash instead of credit cards.

“It’s easier to spend more if you use a card,” Fritz explained. “It’s just a swipe, right? But, you’ll incur extra fees from processing and interest. Using cash will make you more aware of your funds.”

Staying in the Christmas spirit all year round can help you save money, too! Our Christmas Club savings links to your checking account so you can have money put into it all year long and then at Christmastime we will transfer the funds so you have them ready and available.

Know the deals. Cyber Monday and Black Friday really are great ways to save. While it can be overwhelming to shop on these days, having a game plan and a list can make it easier – on you and your wallet.

Spend on something different. “In previous years, we’ve taken part in Warm Kids, Warm Hearts,” she explained. “Our customers and our employees brought in coats, hats, and gloves for children who needed them. It was so rewarding.”

If you need help setting your budget, come talk with us! “Everyone at Two Rivers is happy to spend time with our customers,” Fritz said. “We want to talk to you about what you need and how we can help make your holiday season a little more stress-free!”

Celebrate Small Business Saturday

November 27, 2010 was the first Small Business Saturday. According to the U.S. Small Business Administration (SBA), in 2015 $16.2 billion was spent in small businesses on Small Business Saturday and, according to the National Federation of Independent Business (NFIB), last year an estimated 112 million shoppers patronized local retailers and restaurants.

As a neighborhood bank, Two Rivers Bank & Trust works hard every day to help small businesses thrive and achieve their dreams.

Tammy Greene, Branch Manager in Ankeny, loves helping the small businesses in her neighborhood.small business

“At Two Rivers Bank & Trust, we have great accounts for small businesses,” Greene said. “Our checking accounts save them money on fees and our ability to offer small business lending is really advantageous. Pat Quinlan, one of our lenders, takes care of their needs and works with them one on one.”

We are an Iowa bank and decisions are made here by Two Rivers Bank & Trust.

“Because we are a community bank, we get to know the customer more personally than other financial institutions,” she explained. “Pat and I go out on business calls and find out how things are going for our customers and if there is anything else we can do to help them.”

We want to encourage you to take advantage of Small Business Saturday! This year, Small Business Saturday is on November 25. Support your neighbors, support our neighbors.

“Small businesses are important in our community because they give back to our neighborhoods,” Greene said. “A lot of them donate their time and money to local schools and charities. They’re so involved and do so much good. It’s the least we can do to help them out, too.”

Two Rivers Bank & Trust really is here to meet the needs of small businesses in our community. If you’re a small business owner, come talk with us! We want to get to know you.

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!

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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.

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.”