Tag Archives: Two Rivers Bank

Give the Gift of Finances!

email headerLet’s face it. Your child has everything! They’re fed, clothed, and probably even have an Xbox One, a cellphone, or both! But did you know that 48 percent of children are lacking a college fund or any type of savings account?

Coralville Personal Banker, Jeannie Beisel, believes it’s never too soon to start teaching your children sound financial habits. “The earlier that you start those good habits, the better they’re going to stick.”

So, ‘Why open a Jr. Banker Savings account during the holidays?’ you ask?

“Grandparents, aunts, uncles, etc. give money around the holidays, and opening a Jr. Banker Savings account at Two Rivers Bank & Trust will teach kids how to be responsible with their money instead of spending it on the first thing that catches their eye,” said Beisel.

It costs $5 to open the account.

Investing in your child’s future has never been easier! For just $5, you can open your little one’s savings account and set them up for a bright future. “The interest rate for the Jr. Banker Savings account is phenomenal,” said Beisel. “So your child’s money will grow as it just sits safely in the account.”

Maintaining a bank account teaches your child about money management.

campfireDon’t you wish someone taught you more about money management as a kid? Kids will be better off financially as adults when they grow up learning to set aside money, instead of spending it the minute they get it. Opening a savings account for your child is a great excuse to start that dialogue to explain why it’s important to save, and how much they should be saving. The best part? With a Jr. Banker Savings account, you can open it when they’re five, and it can stay with them when they decide to take up babysitting or a paper route a couple years down the road.

Your loved ones have more ways to give to your child.

All too often, grandparents, uncles, aunts, cousins, and even friends are uncertain about what to give your child for birthdays or holidays, so they turn to cash or gift cards. Beisel said, “A Jr. Banker Savings account is great for when your children do get monetary gifts from relatives.” So, rather than sending out extensive gift lists and keeping track of who got what, an alternative would be to ask your loved ones to contribute to your child’s savings account. A donation to your child’s savings is the gift that keeps on giving since Two Rivers Bank and Trust pays interest on these accounts!

For $5 you can open the door to financial security for your little one’s future, and your child will learn how to manage money – an invaluable gift.

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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.

Fun, Cheap Projects to Try This Weekend

Do you love crafting? Get your creative juices flowing this weekend with these fun, budget-friendly DIY projects!

“I love crafting and creating new things,” says Two Rivers Bank & Trust Loan and Client Services Administrator Jade Huls. “I’ve actually been doing a lot of DIY projects for my wedding this summer. It’s a great way to save some money, while also creating one-of-a-kind, unique pieces.”

  1. Sharpie Mugs

Do you have some mugs that need sprucing up? Personalize your plain white mugs with SSharpie Mugharpies! You can use Sharpies to add some personality to your mugs at home, or even give them away to your friends or family as gifts—great for birthdays, anniversaries or baby showers! Click here to learn how to make some ultimate Sharpie mugs. Psst … remember to only use oil-based Sharpies when making these mugs.

 

  1. Chalkboard Signs

Chalkboard FramThis weekend, turn an inexpensive frame into a chalkboard sign—perfect for your mud room or kitchen. First, you’ll need to find the perfect frame (paint or decorate it any way you’d like). Next, paint the back board of the frame using chalkboard paint—depending on the frame, you may need to buy a piece of wood for this step. After the paint has dried, put the chalkboard inside the frame and hang—it’s that easy! For a full project tutorial, click here.

 

  1. Drawer Shelves

Turn old dresser drawers into beautiful new shelves for your home. You can paint the drawers Drawersand customize them to better fit a specific room in your home—try using colorful or printed drawer liners for a great “wow” factor. Drawer shelves can be a particularly great option for narrow spaces, such as the space between a wall and door, or in a smaller bathroom.

 

“I’ve never tried this particular DIY project,” explains Huls, “but I’m looking forward to giving it a shot!”

 

  1. Terrarium

TerrariumGo green this weekend with a homemade terrarium. A terrarium is the perfect addition to any room in the house—especially with summer right around the corner. All you need is a glass jar, rocks or pebbles, potting soil and plants. You can also add figurines or sticks to your terrarium for some added flare. For a step-by-step tutorial, click here.
 

  1. Picture Gallery Wall

Gallery WallShowcase your most treasured family moments and make a statement with a stunning gallery wall. Whether you upcycle older picture frames, or purchase new ones, a gallery wall is a low cost way to up the design factor of your home. Take a look at these gallery wall tips before getting started to ensure your gallery wall showcases your artwork in the best way possible.

 

  1. Glitter-Dipped Mason Jars

Mason Jars“Glitter-dipped mason jars are a cool way to add some class to a boring jar—I’m actually making these for my wedding,” says Huls. “We will be using them as centerpieces for the tables at our reception. I had to make 60 of them! It took a lot of work, but they turned out great.”

 

Receive a full tutorial on how to make these mason jars here.

 

 

Which project will you try? Don’t forget to share photos of your final work in the comments.