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Posts from December 2017

How to Avoid Holiday Spending Headaches

December 11, 2017 | Return to the CNB Homepage

how to avoid holiday spending headaches

As early Black Friday deals kick off the holiday shopping season sooner than ever, it’s important for consumers to develop a holiday spending plan to avoid financial headaches in the future, says the American Bankers Association.  ABA is highlighting seven tips to help consumers minimize their holiday spending debt.

“It’s a special feeling to make loved ones happy with the perfect holiday gift or to make donations to charities you care about deeply, but it’s also extremely important to spend within your means and avoid stressful debt in the New Year,” said Corey Carlisle, executive director of the ABA Foundation. “Mapping out a holiday spending plan and avoiding impulse buys will go a long way toward keeping your finances on track.”

Below are seven spending habits Americans should consider to help relieve the financial stress of the holidays:

  • Plan ahead. Before you start shopping, develop a realistic budget for holiday expenses. Figure out your bottom-line number and set aside holiday cash in increments throughout the year. If you need to use your credit card, think about what you can afford to pay back in January. 
  • Keep track of other costs. Don’t forget costs beyond gifts, like postage, gift wrap, decorations, greeting cards, food, travel and charitable contributions. Keep in mind the end of the year is a time when large annual or semi-annual costs like car insurance, life insurance, and property taxes arise.
  • Make a list and check it twice. Keep your gift list limited to family and close friends, noting how much you want to spend on each. If you’re donating to charities, factor in the total amount you plan to donate and how much each charity will receive.
  • Shop early and space out purchases. Avoid shopping while rushed or under pressure, which can lead to overspending. Make sure to comparison shop online first, or download an app that lets you compare prices before you buy anything in a store.  Before you head to the cashier (or online checkout), make sure your purchase is within the budget you set.
  • Avoid impulsive spending decisions. Finding a spectacular sale on something you’ve been wanting can easily throw you off course.  Stay strong and stick to your budget.  Don’t be blinded by limited-time incentives geared toward getting you to spend more.
  • Use credit wisely. Limit the use of credit for holiday spending.  If you must use credit, use only one card—preferably the one with the lowest interest rate—and leave the rest at home.  Pick a date when you can pay off your holiday credit card bills, and commit to paying off the balance by that time.  Be sure to check statements for unauthorized charges and report them immediately.
  • Save your receipts and get acknowledgments for charitable donations. Not only will you need receipts for possible returns, you’ll need them to keep track of what you’ve spent and to compare with your credit card statement.  Knowing how much you spent will help you plan for next year, too.  Keeping receipts or acknowledgment letters for charitable donations is a must if you want to receive tax deductions in the spring.

 

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CNB Community Bancorp, Inc. Announces OTC Market Listing

December 08, 2017 | Return to the CNB Homepage

CNB Community Bancorp, Inc. (OTC: CNBB), the holding company of Hillsdale County National Bank, is pleased to announce their common stock is now listed on the OTC Pink Market exchange under the ticker symbol CNBB. “We believe both existing and prospective shareholders will benefit from the increased visibility a public market provides. Giving shareholders an additional method to buy or sell our stock could make our stock more attractive to own,” says President/CEO Craig S. Connor.

Interested parties and existing shareholders may contact Boenning & Scattergood, Inc. Managing Directors Tom Dooley and Nick Bicking. Mr. Dooley has more than 30 years of sales and trading experience in the financial services industry. Mr. Bicking has over 20 years of sales and trading experience in the financial services industry; focusing primarily on community banks.

 

Tom Dooley, Managing Director, Boenning & Scattergood, Inc.

9922 Brewster Lane, Powell, OH 43065

Office: (614) 408-1224, Cell: (614) 203-2996

tdooley@boenninginc.com

Nick Bicking, Managing Director, Boenning & Scattergood, Inc.

9922 Brewster Lane, Powell, OH 43065

Office: (866) 326-8113, Cell: (614) 638-4584,

nbicking@boenninginc.com

 

About Boenning & Scattergood Boenning & Scattergood, Inc. was founded in 1914 and is one of the oldest independent securities, asset management, and investment banking firms in the Mid-Atlantic and Midwest regions. Boenning & Scattergood actively makes markets in more than 250 community banks and thrifts.

 

About CNB Community Bancorp, Inc. CNB Community Bancorp, Inc. is a one-bank holding company formed in 2005. Its subsidiary bank, Hillsdale County National Bank, is a nationally charted full-service bank, which has served its local community since its founding in 1934. CNB Community Bancorp, Inc. (OTC: CNBB) has grown to $618 million in assets and is headquartered in Hillsdale, Michigan. CNB offers banking products along with trust and investment services to local communities located throughout South Central Michigan.

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Posts from November 2017

Wrozek to Transition to Commercial Loan Officer

November 07, 2017 | Return to the CNB Homepage

Bob Wrozek - Commercial Loan OfficerRobert (Bob) Wrozek will transition from Branch Officer to Commercial Loan Officer.» Read more

Data Breaches - What Do You Do Now?

November 03, 2017 | Return to the CNB Homepage

Data breaches are occurring more frequent – Equifax, Target, Wendy’s, the list goes on. What do you do in these situations? At CNB, we want to give you the tools to help you feel protected and in control of your financial security. Here are a few ideas for you:

Sign Up for CNB Debit Card Alerts. Contact our customer service department at 888.322.1088 with any questions or concerns.

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Don Germann Awarded Marvin E. Howell Community Service Award

November 03, 2017 | Return to the CNB Homepage

Don Germann (center) with the award. Members of County National Bank’s Board of Directors, Executive Committee, and Officers attended the event.

County National Bank is pleased to announce Don Germann, Branch Officer – Jonesville Branch, has received the Marvin E. Howell Community Service Award on Thursday, October 28th at the Hillsdale County Economic Development Partnership (EDP) Annual Dinner.

The EDP Community Service Award is awarded annually to a person who has made significant contributions to the economic and industrial growth of Hillsdale County.  Four main components go into the selection process; the recipient has helped to bring significant improvement in the economic growth of the county, devoted significant time to overall county development, contributed substantially to growth in other than his business and has been active in community affairs. Susan Smith, Executive Director of the Hillsdale EDP, said, “Don is always promoting our community, making connections with people and business that result in economic growth. His ready smile and enthusiasm are contagious, and we are so pleased that at leadership group of his peers have recognized him with this prestigious award.”

Don has been with CNB since 2003 and has been instrumental in the success of our Jonesville Office. Apart from his dedication to the Bank, Don serves on as a board member for Michigan Works! Southeast and the Hillsdale County EDP. He is also active with the Jonesville Business Association, Jonesville Rotary Club, St. Paul’s Luthern Church, and numerous other local organizations. In 2011, Don was awarded the Entrepreneurial Vision of the Year Award from the Hillsdale EDP and South Central Michigan Works!. In 2013, Don was awarded Jonesville’s Citizen of the Year.

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Bank on Fun in Pulaski Township

November 03, 2017 | Return to the CNB Homepage

Melissa Stroede, of CNB and former Pulaski Township Board Member, with the current Pulaski Township Board.

County National Bank is pleased to announce the donation of $11,300 to Pulaski Township for the building of Whellerton Park. The first park in the township will feature a fitness-oriented playground structure, as well as a basketball court. The playground will be built near the township hall, just off of Folks Road. 

In February of 2016, the Michigan Department of Natural Resources approved a grant to start the process of the new park. However, one of the requirements for Pulaski was to raise $11,300 to cover the remaining cost. Seeing an opportunity to help build the community in Pulaski, County National Bank has pledged the entire amount of $11,300 for the park.

Groundbreaking on the park will begin in the spring of 2018 and will be constructed purely by volunteers. Any additional donations for the park will go into maintenance funds.

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Posts from October 2017

Kohler & Arnett Promoted to Assistant Vice Presidents

October 18, 2017 | Return to the CNB Homepage

Craig S. Connor, President and CEO of County National Bank (CNB), is pleased to announce the Board of Directors approved the following promotions in during their September meeting:

Amber C. Kohler has been promoted from Bank Operations Officer to Assistant Vice President – Bank Operations. 

Amber C. Kohler has been promoted from Bank Operations Officer to Assistant Vice President – Bank Operations.Amber joined CNB as a part-time Proof Operator in December of 1996.  In 1998 she was granted a full-time Proof Operator position, and in late 1998 was advanced to the position of Proof Supervisor.  Amber also trained as backup in the Data Processing area as a processor.  In February of 2004, Amber was appointed to the position of Imaging Manager, and then promoted to Customer Service Manager in 2010.  In 2013, Amber’s responsibilities expanded to the position of Bank Operations Manager, where she supervises the Customer Service Supervisor, Wire Processor and New Accounts Specialist, and backs up all three areas.  Amber works with managers, calling on customers to train them on Business Online Banking and ACH.  She is instrumental in managing and controlling debit card fraud. Most recently, Amber was promoted to Bank Operations Officer in 2015 where she began also to oversee deposit compliance.

Amber attended Jackson Community College, has attended numerous trainings with Fiserv and STAR, and has completed the Solution Leadership and Solution Selling courses offered through John Connors trainings.  Amber is a volunteer with Buddy Reading in the Jonesville School system.  She volunteers on a number of community projects and bank-related events.  She and her husband reside in the Jerome area.



David J. Arnett has been promoted from Cybersecurity Officer to Assistant Vice President – Cybersecurity.

David J. Arnett has been promoted from Cybersecurity Officer to Assistant Vice President – Cybersecurity.David joined the Bank in August of 2004 as a Network Manager, with six years of previous banking experience.  In January of 2016, David’s title was changed to Cybersecurity and IT Manager and the following May was promoted to Cyber Security Officer.   As cybersecurity has become an increasing risk to financial institutions and as the threat becomes greater, David’s responsibility also grows.  David will continue with this task as well as the supervisor for the Network and Web Service Administrator and Technology Help Desk positions.

David is a graduate of the Graduate School of Banking, Bank Technology Security School, a Certified Community Banking Security Professional through the SBS Institute, certifications from TechData on HP Laserjet Repair and MCSA Certification, Microsoft Certification and Ethical Hacking School.  David serves on the MBA IT and Operations Committee.  He is a Board Member and Rifle Range Chairman for the Branch County Conservation and Sportsman’s Club.

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Glowing for the Gold

October 11, 2017 | Return to the CNB Homepage

Don Germann, Jonesville Branch Manager with two of Area 29's Olympians

Glow for the gold and help support the Area 29 Special Olympics!

County National Bank (CNB) donated funds to Special Olympics Michigan of Hillsdale and Lenawee Counties. Special Olympics of Michigan provides year-round athletic training and competition for adults and children diagnosed with developmental disabilities. Athletes develop athletic skills, share experiences, and form friendships as they compete in different sports throughout the year.  Participating in Special Olympics provides the opportunity for athletes to demonstrate courage and pride in their efforts. 


On October 14th, Area 29 Special Olympics Michigan is holding a 5K Nightglow race to support their athletic programs.  The goal is to make the “Twilight Twinkle Run” an annual event with the support of local businesses, agencies, and community members.


“Area 29 Special Olympics Michigan reaches all corners of Hillsdale and Lenawee Counties.  Athletes from both Hillsdale and Lenawee Counties participate throughout the year. Some of our athletes hold jobs in our community, while some of our athletes are still in school.”, said Tammy Ryan of St. Paul’s Ability Resource Center. Some of our athletes have participated for twenty years, while other athletes started to compete this year. Special Olympics participation presents each athlete an opportunity to experience sports and competition otherwise unavailable to them.  “In 2017, we took 85 athletes plus chaperones to the Summer Games, and the cost was well over $10,000.” The funds from the Twilight Twinkle Run will be used to offset the cost of travel and participation.

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Posts from September 2017

Equifax Breach Information

September 18, 2017 | Return to the CNB Homepage

Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases.


County National Bank was not compromised, and your information was not stolen from our bank. However, CNB takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your CNB accounts by stopping in your local branch, calling 888.322.1088 or visiting www.CountyNationalBank.com.


Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers complimentary identity theft protection and credit file monitoring. This information is available at www.equifaxsecurity2017.com. To protect your identity and personal information, County National Bank strongly encourages our customers to take the actions noted below.

  • Review your account statements to spot any suspicious transactions. You can also monitor your account activity online at any time at www.CountyNationalBank.com.
  • If you spot any suspicious transactions, please contact us immediately at 888.322.1088.
  • Consider if you should place an initial fraud alert on your credit report (here
  • Consider if you should freeze your credit file (here).
  • Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report or visit here.

Experian ®             TransUnion®              Equifax®
P.O. Box 9554        P.O. Box 2000            P.O. Box 740241
Allen, TX 75013     Chester, PA 19016      Atlanta, GA 30374
888-397-3742        800-680-7289             800-349-5191
 

  • You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.

If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) here or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence here.


Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559.

As always, you can call 888.322.1088 or stop into your local branch for more information. 
 

» Read more

Posts from August 2017

Bank on your Best Interest

August 17, 2017 | Return to the CNB Homepage

We think an interest rate should be in your best interest, that’s why we have created three new ways to help you see the earnings in your savings. 


Introducing CNB’s 1 Year, 18 Month, and 54 Month Certificate of Deposit (CD), with improved rates.

CD APY

Why a CD?
A Certificate of Deposit offers you the ability to lock in an attractive interest rate for an extended period of time. CDs offer many benefits – they are low risk, earn higher interest than traditional savings accounts, and are FDIC insured+.  CNB offers a variety of terms and interest rates, giving you the opportunity to find one that best suits you and your lifestyle. 


If you are interested in learning more, please contact us at 888-322-1088 or call or visit your nearest CNB office.


+FDIC (Federal Deposit Insurance Corporation) deposit insurance covers the depositors of a failed FDIC-insured depository institution dollar-for-dollar, principal plus any interest accrued or due to the depositor, through the date of default, up to at least $250,000.

*Annual Percentage Yield (APY) effective as of 7/27/2017 and is subject to change without notice. $500 minimum balance required. Early withdrawal penalties may apply. Fees could reduce earnings on the account.

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Posts from July 2017

Redesigned CNB Personal Online Banking Coming Soon!

July 25, 2017 | Return to the CNB Homepage

We have exciting news for our CNB Personal Online Banking customers – on August 14th, there will be a redesigned site! The improved site has many updates to make the process easier and more convenient for you.
Some of the improved features include:

  • Your user name and password are entered on one page – one simple step and you’re logged in.
  • A responsive design that adjusts data, so it appears well on any screen size or resolution and touch screen capability—perfect for iPads and other tablets.
  • A Home page that is focusing attention on features you access most often.
  • Redesigned functions to make transfers simple.
  • A single transaction file, you’ll no longer see the previous and current statement.  Users see 50 transactions per page with a button to add more transactions as needed, with up to 18 months of history.
  • Create nicknames for accounts and choose which accounts you want to be displayed on the home screen.
  • Quick links for users to see our News, easily access forms, and enroll in the CNB Debit Card Alerts.

Supported Browsers:  Internet Explorer 10 or higher, Edge, Chrome, Firefox latest versions or higher.
Changes on the personal online banking site have also allowed us to update the Banking Login on our website. When you click ‘Banking Login’ button on our homepage, you’ll be directed to a comprehensive portal for all your online banking needs. If you’ve bookmarked personal online banking website, you will be prompted to visit our website to log in after August 21st. Feel free to contact us with any questions at 517.439.4300.

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Full of HOPE in Lenawee County

July 14, 2017 | Return to the CNB Homepage

Mary Martin - Interim Executive Director of the HOPE Community Center and members of the HOPE Center with Chris Clarke - VP Commercial Loans, Craig Connor - President & CEO, and Julie Miller - 2nd VP - Private Banking of County National Bank

Mary Martin - Interim Executive Director of the HOPE Community Center and members of the HOPE Center with Chris Clarke - VP Commercial Loans, Craig Connor - President & CEO, and Julie Miller - 2nd VP - Private Banking of County National Bank

County National Bank (CNB) has pledged $10,000 to the HOPE Community Center (HOPE), of Lenawee County. Since opening our Adrian Office last year, giving back to the community has been one of the focal points for CNB. Chris Clarke, Vice President – Commerical Loans said, “To be involved with a community organization such as the Hope Community Center is very important and rewarding. The ability to support such a worthwhile organization that serves such a critical population in our community is just incredible, and we are proud to do our part.”

For 41 years, HOPE has served adults with developmental disabilities in Lenawee County. Currently, HOPE serves approximately 100 members each week and offers 120 programs per month, with topics ranging from Education to Community Volunteerism. The pledge will support ongoing operational costs of the center. Mary Martin, Interim Executive Director said, “Without HOPE many members would have no place to connect with other people, make friends, participate in physical activity or life-long learning opportunities.” HOPE works closely with human service organizations to help adults with disabilities to reach their full potential. HOPE also works diligently with member’s families, guardians and case workers to fill unmet needs. Martin explained, “For some, it’s moving into their own apartment or finding a job, for others, it’s simply learning to socialize on their own in the wider community safely.”


In the past 26 years of serving Lenawee County, CNB has contributed to numerous organizations and causes. The staff members from the Hudson and Adrian Offices call Lenawee their home and are always looking for ways to give back to the community that has given them so much. Julie Miller, 2nd Vice President – Private Banking added, “Giving is not about making a donation, it’s about making a difference in the community that we work and live in.” County National Bank is pleased to support this organization and looks forward to many years of partnership.

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County National Bank Hires New 2nd VP – Private Banking

July 06, 2017 | Return to the CNB Homepage

Craig S. Connor, President and C.E.O., of County National Bank (CNB) recently announced the officer appointment of Julie A. Miller, 2nd Vice President – Private Banking Officer.

Julie A. Miller has been appointed to the position of 2nd Vice President – Private Banking Officer. She joined CNB on June 16, 2017.

Julie brings over 25 years of banking experience; including lending, business development, sales and branch management, and private banking. Her banking education adds to her expertise; she attended Wright State University, Ohio University’s School of Banking and Michigan Bankers Association (MBA) courses. 

Mr. Connor stated “Julie is a very talented and respected Banker in the Lenawee County market.  We are pleased she joined our banking team and think she will bring real value to our organization as well as our customers.”

As 2nd Vice President – Private Banking, Julie will oversee widespread interactions with clients. She is able to provide clients with valuable advice from her time serving in other financial roles within her banking career. Julie will serve as a trusted advisor to her clients and community.

Miller is active in her community serving as Vice President of Kappa Kappa Epsilon Sorority, member and past President of Zonta of Lenawee, ProMedica Pro-Am Golf Committee, Volunteer for Boys and Girls Club and Lenawee Christian Schools.  She and her husband Tim reside in Adrian with their two children.

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Posts from June 2017

The Next Generation of CNB Bankers

June 02, 2017 | Return to the CNB Homepage

What do you want to be when you grow up? Or rather, what did you want to be? 

That question was on our minds when we welcomed five 8th graders to our team on the morning of May 18th, 2017. The students came from Litchfield, Pittsford, North Adams-Jerome, Reading, and Davis Middle Schools. Payback for Education is a collaboration between Dr. Colin Mayers Orthodontist Office and the Hillsdale ISD to provide real world work experience to the 8th graders. This year was the 5th year CNB has welcomed students to learn about working in a financial institution.  Over 25 local businesses in Hillsdale joined in offering a worksite experience, which demonstrates the importance of personal management skills and teamwork in a work setting.

To show the inner workings of the Bank, students got a taste of Human Resources, Information Technology, working as a Teller, and a lesson on what it means to be the CEO and President of County National Bank. The morning started off with a tour of the Bank, where the students got behind the scenes access to the lower level and behind the teller line.

While visiting our main office, we asked senior staff members what they wanted to be when they were in eighth grade. The answers ranged from an attorney to a jet pilot. Interview skills and resume writing were covered by our new Human Resources Manager, Karrie Morts. The tech-savvy teens had plenty of questions about technology, cyber security, and how the bank protects itself from on-line predators. Jason Hanson, Network and Web Services Administrator, spent about an hour educating the students on what ‘IT’ does for the bank and how we protect our customers.

The students then met with Craig Connor, President & CEO,  who had a conversation with them about how you become the president and CEO of a bank and what it means to have that position. Much to the surprise of the students, they learned it is hard work combined with starting at the bottom and working your way up through the organization that gets you to the C-Suite. To cap off the morning, the students participated in a security exercise and had to detect counterfeit bills.

The students had a valuable visit and were able to gain experience that will help them in the future with their career paths.

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IDK What This Means…

June 02, 2017 | Return to the CNB Homepage

Buying a house can be stressful – being a first time home buyer can be even more overwhelming. Apart from finding your perfect property, there’s the financing. This is where things can become really scary.  At CNB, our mortgage lenders act as your buying partners. They are with you every step of the way to make sure the process is stress-free and understandable. Before you walk into your local branch, brush up on some acronyms that may be brought up during the conversation.

• ARM (Adjustable Rate Mortgage) is a loan that allows the lender to adjust the interest rate during the term of the loan.  These changes are determined by a margin and an index so that the interest rate change is based on current market conditions.  Most often these interest rate changes are limited by a rate change cap and a lifetime cap.  If you apply for an adjustable rate mortgage, the lender is required to provide you with an ARM Program Disclosure which spells out the terms of the loan.

• APR (Annual Percentage Rate), to make it easier for consumers to compare mortgage loan interest rates, the federal government developed a standard format called an "Annual Percentage Rate" or APR to provide an effective interest rate for comparison shopping purposes.  Some of the costs that you pay at closing are factored into the APR for ease of comparison.  Your actual monthly payments are based on the periodic interest rate, not the APR.

• FHA (Federal Housing Administration) is an area of the U.S. Department of Housing and Urban Development (HUD) that insures low downpayment mortgages granted by some lenders.  The loan must meet the established guidelines of FHA to qualify for the insurance.

• LTV (Loan to Value Ratio) is used by lenders to calculate the loan amount requested as a percentage of the value of a home.  To determine the loan to value ratio, divide the loan amount by the home's value.  The LTV ratio is used to determine what loan types the borrower qualifies for as well as the cost and fees associated with obtaining the loan.

• P&I (Principal & Interest) is the payment required to repay a mortgage in accordance with its terms.

• PITI (P)rincipal, (I)nterest, (T)axes, and (I)nsurance) is a reference to the total monthly payment required to repay a mortgage by its term, as well as monthly escrow payments for taxes and insurance.

• PMI (Private Mortgage Insurance) is insurance provided by a private company to protect the lender if the borrower were to stop making payments on the loan.  The cost of the insurance is usually paid by the borrower and is most often required if the loan amount is more than 80% of the home's value.  Sometimes referred to as mortgage insurance.

CNB has six full-time mortgage lenders, who can meet with you and go over any questions you may have. Stop into your nearest branch or get in touch with us via email or phone, (517) 439-4300 or Toll-Free (888) 322 -1088

» Read more

The Beginners Guide to the Art, Beer, Wine Festival

June 02, 2017 | Return to the CNB Homepage

Melissa Stroede- Ella Sharp Board Member,  Kyle Liechty - Art, Beer, Wine Festival Director, Donna Gutenkauf - Executive Director - Ella Sharp Museum, John Waldron - Senior VP - CNB, and Craig Connor - President & CEO - CNB

For the third year, County National Bank is the presenting sponsor of Ella Sharp's Art Beer Wine Festival. Pictured above (left to right): Melissa Stroede- Treasury Management Officer - CNB,  Kyle Liechty - Art, Beer, Wine Festival Director, Donna Gutenkauf - Executive Director - Ella Sharp Museum, John Waldron - Senior VP - Senior Loan Officer - CNB, and Craig Connor - President & CEO - CNB

Special Guest Writer: Kyle Liechty, Director of Art, Beer, Wine Festival 

Join us on June 3rd, 2017 @ The Ella Sharp Museum! The Art, Beer and Wine Festival presented by County National Bank is one of the signature events in the Jackson community, kicking off the season of summer festivals for visitors from around the region.  During the festival, lovers of art, beer, wine, food, and fun come together to taste the makings of over 50 Michigan-based wineries, breweries, cider mills, distilleries, and food vendors, as well as over 40 artists representing a range of medias from jewelry to watercolor works.  If guests like what they sample and see throughout the 6-hour long festival, many of the beverages and all of the art will be available for purchase to take your favorite selections home with you, which is unique among beer and wine festivals throughout the region.

As a first-timer, it is important to walk around and explore all corners before diving into the tastings at the first booth.  There will be a huge variety of well-known brands to microbreweries who opened their doors a few weeks prior, as well as artists showcasing their work for the first time to regionally renowned vendors.  Take your time, get to know the vendors and volunteers, and enjoy what the museum, Jackson community and the State of Michigan have to offer in arts and tastes.

Throughout the day, artist demos will be taking place, and roaming musicians will be wandering the grounds, creating a one-of-a-kind vibe on the historic farm lane.  Beyond the entertainment, tasting, and shopping, this is simply an excellent opportunity to relax and enjoy your time outside with family and friends on a beautiful afternoon at a fun-filled event where all ages are welcome!

The festival has grown by 125% attendance and 80 to over 125 vendors in the past three years with expectations of topping 3,000 guests from, and beyond, the Jackson community this summer.  The festival is a must attend event for many residents of the Jackson community and has expanded to the radars of socialites and art enthusiasts from across the State of Michigan.

The money raised from the festival goes towards educational programming and community engagement activities that the museum hosts throughout the year, as it is the largest fundraising event that is the museum coordinates for the public.  Beyond the festival, the museum hosts community classes and workshops, shows in the Hurst Planetarium, weddings, and social events all year, as well as other educationally based festivals in the spring and fall.

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Deb Hollister, Jonesville’s Citizen of the Year

June 01, 2017 | Return to the CNB Homepage

By: Kelly Jensen, Vice President – Branch Administrator

Each year, the Jonesville community recognizes an adult and youth as Citizen of Year for their involvement in the community.   County National Bank is pleased to say that Deb Hollister, a CNB employee at our Jonesville office, was awarded the 2017 Citizen of the Year!

Deb volunteers with the Jonesville Schools’ athletic programs and does a lot of work behind the scenes to make these events happen.  However, for Deb, her work “is all for the kids.”  She has volunteered in a wide range of ways in her community.  She regularly works with the concession stands by shopping for supplies, preparing the food, and keeping a schedule to make sure the process is always smooth.  She has also served various capacities in the Jonesville Athletic Boosters Association (JABA).   You will also find Deb helping to plan and run JABA’s biggest fundraiser at which they raise funds to support their athletic programs. 

As a mom, Deb is also very active with the baseball and football teams.  She organizes between game meals for baseball as well as meals during two-a-day football practices.  She also organizes meals for away games with long bus rides

This award is not new to the employees at the Jonesville Branch of CNB, Don Germann, Branch Officer, previously won the award. We are proud of Deb, and all other staff, for making a difference in the place we call home.

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Posts from March 2017

Celebrating 83 years of Community Banking

March 28, 2017 | Return to the CNB Homepage

Jonesville Office

In 1934, the landscape of the United States was hard. It was one of the worst years of the Great Depression, and the Midwest would soon experience the Dust Bowl. The year would see the end of Bonnie & Clyde and John Dillinger’s crime sprees, but the country would still experience high crime rates. With financial, political, and social unrest, it may be surprising that some local individuals chose to open a bank.


Forged during this turbulent time, 83 years ago (Monday, March 19, 1934, to be exact) Hillsdale County National Bank opened their doors. After the “Bank Holiday” of 1933, The First National Bank of Hillsdale, originally organized in 1863, reformed as Hillsdale County National Bank. Approximately 50 citizens and business people invested $60,000 in Hillsdale County National Bank. Over the last 83 years, the bank has grown and changed with the times and is now known as County National Bank or CNB. It has increased from one building in downtown Hillsdale to 12 branches in 4 counties.


On Monday, March 20, 2017, our branches hosted a birthday party for CNB. The offices filled with balloons, streamers, cookies, cupcakes, even an ice cream machine. We have much to celebrate; we have remained locally owned, increased assets size to $590 million, funded businesses the loans they needed to prosper, and most importantly, stayed loyal to our communities.


Many things have changed in the financial industry in our +80 years, but remaining a community bank is at the heart of our success.  Being a CNB customer means you made the decision to keep your money local and to reinvest it into our economy. So, thank you for giving us a reason to celebrate!

Visit our Facebook page for photos.
 

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Coming Soon - CNB Debit Card Alert

March 21, 2017 | Return to the CNB Homepage

Amber Kohler, Bank Operations Officer 


It’s more important than ever to monitor your debit card activity for potential fraud.  With CNB Debit Card Alert program you can do just that by adding a little more peace of mind to your busy lifestyle.  Having peace of mind in an era of hurry, hurry, hurry can be hard. It is incredibly easy to forget to write down that morning coffee purchase. Not to worry, we can text it to you! We can alert you immediately after a purchase is made or only those purchases over a certain amount.  You can customize the information you receive with CNB Debit Card Alert.

The security of your account is a top priority for County National Bank. Debit card fraud affects every cardholder worldwide and is a major concern to us.

We continuously monitor your CNB Debit Card activity to help identify and prevent fraudulent transactions on your account. For additional protection, we are now offering debit card alerts by sending an SMS Text Message to your mobile device or, if you prefer, an email.

If you elect to receive email alerts, there is no cost to you. If you choose to receive SMS Text Message Alerts, the alert will be sent to your mobile phone via text message, and standard text message and data rates assessed by your mobile carrier may apply. You should check with your wireless carrier for details regarding your specific wireless plan and data usage charges that may apply before enrolling.

T-Mobile, Verizon Wireless, AT&T, Sprint, Interop - Appalachian Wireless, US Cellular Corp®, Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA and ALLTEL Communications Inc. currently participate in this service.

This product will be available for you to enroll for via our website at www.countynationalbank.com soon. With a few short questions and setup, you will have the flexibility of getting alerts anytime your card is used.  We are excited to offer you this service in the very near future.

Stay tuned for more enrollment announcements to come!
 

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Say Goodbye to State Restrictions!

March 21, 2017 | Return to the CNB Homepage

no more state restrictions on your emv card

Good News about your EMV Chip card!


With the recent transition to the EMV chip card on consumer accounts--we have some exciting news!  This added card security has allowed us to remove state blocks on our debit cards. The previously blocked states include California, New York, Georgia, Texas and Colorado. 

In the past, CNB has restricted certain states due to high volumes of fraud.  But no more! We are excited to remove the state blocking feature from our consumer cards. The EMV Chip Card technology provides a high level of security, and we see a decline in card fraud. 

 
Please remember if you are traveling, please contact us so we can make the appropriate remarks on your card to ensure little to no interruption or inconvenience while you are away.


International purchases are restricted as this type of fraud is very active.  If you plan on going abroad or purchasing something from another country, please email or call us toll-free at 888-322-1088

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6 Financial Traps New College Graduates Should Avoid

March 06, 2017 | Return to the CNB Homepage

 



More than 70 percent of college graduates began their career owing more than $37,000 in student loans in 2016. Considering this debt load and other living expenses that lead young adults to delay major life events like getting married or buying a home, it’s critical for new college graduates to focus on their financial future as they receive their diploma, says the American Bankers Association. ABA has highlighted six traps new college graduates should avoid to position themselves for financial success as they transition from the dorm room to the office.

“Student loans, housing costs and plenty of other living expenses come fast and furious after graduation, so it’s extremely important to start off on the right track with positive financial habits,” said Corey Carlisle, executive director of the ABA Foundation. “We can’t stress enough how vital it is to plan for the future.”

According to ABA, new college graduates should avoid the following financial traps:

  1. Not having a budget. Supporting yourself can be expensive, and you can quickly find yourself struggling financially if you don’t take the time to create a budget and live within your means. Calculate the amount of money you’re taking home after taxes, then figure out how much money you can afford to spend each month while contributing to your savings. Be sure to factor in recurring expenses such as student loans, monthly rent, utilities, groceries, transportation expenses and car loans. 
  2. Racking up debt. Understand the responsibilities and benefits of credit. Shop around for a card that best suits your needs, and spends only what you can afford to pay back. Credit is a great tool, but only if you use it responsibly and live within your means.
  3. Not thinking about retirement.  It may seem odd since you’re just beginning your career, but now is the best time to start planning for your retirement. Contribute to retirement accounts like a Roth IRA or your employer’s 401(k), especially if there is a company match. Invest enough to qualify for your company’s full match – it’s free money that adds up to a significant chunk of change over the years. Automatic retirement contributions quickly become part of your financial lifestyle without having to think about it.
  4. Thinking you’re invincible. Hardships can happen in a split second. Start an emergency fund and do your best to set aside the equivalent of three to six months worth of living expenses. Start saving immediately, no matter how small the amount. Make saving a part of your lifestyle with automatic payroll deductions or automatic transfers from checking to savings. Put your tax refund toward saving instead of an impulse buy.
  5. Putting off paying bills. Each missed payment can hurt your credit history for up to seven years and can affect your ability to get loans, the interest rates you pay and your ability to get a job or rent an apartment. Consider setting up automatic payments for regular expenses like student loans, car payments, and phone bills. Regardless of whether you take advantage of automatic monthly payments, arranging to receive notifications about upcoming bills can be helpful. You can also contact creditors and lenders to request a different monthly due date from the one provided by default (e.g., switching from the 1st of the month to the 15th).
  6.  Ignoring free help from your bank. Many banks offer personalized financial checkups to help you identify and meet your financial goals. You can also take advantage of their free digital banking tools that let you check balances, pay bills, deposit checks, monitor transaction history and track your budget.

For more tips and resources on a variety of personal finance topics such as mortgages, credit cards, protecting your identity and saving for college, visit aba.com/Consumers.

 

Full Article

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Celebrating America Saves Week

March 06, 2017 | Return to the CNB Homepage

February 27 – March 4 marked the annual America Saves Week. The goal of this movement is to reach people all over the nation so they might learn about the importance of saving. America Saves Week seeks to encourage more Americans to build wealth, not debt.
Here are the seven takeaways from 2017’s America Saves Week:

  • Save Automatically - It can be hard to put aside money for savings, but a simple solution is to let your bank account do it for you.  You can change your direct deposit settings so that a portion of your check is always going into savings.  This provides an easy way to save money without ever having to worry about missing it since the service is automatic.
  • Family Savings - Good and bad savings habits start at home. It’s important that your whole family understand and is committed to your family’s financial plan. Whether you’re budgeting, saving, making retirement decisions, or assessing workplace benefits, consider sharing these choices with your children, no matter their age.  Not only will this help them to learn about spending and saving, but it will also set a great example for being disciplined with their money once they grow up.
  • Save for Retirement - Saving now for retirement will ensure you have enough money to have a comfortable standard of living when you stop working. Participate in a work-related retirement program or open up an Individual Retirement Account (or IRA). Are you already saving for retirement? Set a goal to increase the amount you save toward retirement.
  • Saving at Tax Time - Saving a portion of your tax refund can be a big step toward meeting your savings goals. This tax season, get ahead of your financial goals by taking a piece your tax refund and putting it into savings.
  • Pay Off High-Interest Debt - To reduce your debt and start accumulating wealth, all it takes is planning, discipline, and patience.  Take care of your high-interest debt first, and then work your way down until it’s all paid off.  Find places to cut your spending to put more towards debt.
  • Save for Emergencies - It is always better to have some a financial plan for anything that might come up in life.  An emergency savings fund should be set aside and contributed to each month.  Even by saving small, regularly scheduled contributions, the account will build over time and be there for when you need it.
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6 Ways to Use Your Tax Refund Wisely

March 06, 2017 | Return to the CNB Homepage

What are your tax refund plans?

According to the Internal Revenue Service, the nation’s taxpayers received an average tax refund of nearly $3,000 in 2016 and will receive a similar amount this year. With more than 70 percent of tax payers receiving a refund this year, the American Bankers Association has highlighted six tips to help them use their windfall wisely.

“Tax season is the perfect time to take stock of your finances and figure out where you are with your financial goals,” said Corey Carlisle, executive director of the ABA Foundation. “Try to avoid the temptation of using all of your refund for big ticket purchases. Your refund is ideal for paying off debt that’s weighing you down or saving for expensive emergencies that arise when you least expect them.”

To help consumers make the most out of their money, ABA has highlighted the following tips:

  • Save for emergencies.  Open or add to a high-yield savings account that serves as an “emergency fund.” Ideally, it should hold about three-to-six months of living expenses in case of sudden financial hardships like losing your job or having to replace your car.
  • Pay off debt.  Pay down existing balances either by chipping away at loans with the highest interest rates or eliminating smaller debt first.
  • Save for retirement or your child’s education. Open or increase contributions to a tax-deferred savings plan like a 401(k) or an IRA. Your bank can help set up an IRA, while a 401(k) is employer-sponsored. Or invest in a tax-advantaged 529 education savings plan to ensure school expenses will be covered when your child reaches college age.
  • Pay down your mortgage.  Make an extra mortgage payment each year to save money on interest while reducing the term of your loan. Be sure to inform your lender that your extra payments should be applied to principal, not interest.
  • Invest in your current home.  Use your refund to invest in home improvements that will pay you back in the long run by increasing the value of your home.  This can include small, cost-effective upgrades like energy-efficient appliances that will pay off in both the short and long term – and with future tax credits. If you have more substantial renovations in mind, your bank can help with a home equity line of credit.
  • Donate to charity.  The benefit is two-fold: Giving to charity will make a difference in your community, and you can also claim the tax deduction.

ABA also stressed the importance of low-income workers filing a tax return—even if their incomes are too low to trigger any federal tax liability—in order to claim the Earned Income Tax Credit (EITC).  Depending on a recipient’s income, marital status and number of children, the EITC can result in a refund of up to $6,269 to help them achieve financial goals.

Source 

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Posts from January 2017

There’s an App for That (but it might be fake)

January 03, 2017 | Return to the CNB Homepage

As more and more consumers are shopping with mobile apps, fraudsters are following the money. There are fake phone apps popping up that impersonate well-known retailers in order to steal your personal information. Their names are similar to well-known brands, and their descriptions promise enticing deals or features.

But these fraudulent apps can take your credit card or bank information. Some fake apps may even install malware onto your phone and demand money from you to unlock it.

Here are some tips to avoid downloading fraudulent apps:

  • Not sure if a shopping app is legit? Go directly to the retailer’s website and see if they promote it. If they do have an app, they will direct you to the app store where you can download it.
  • On the web, you can search a brand name, plus “fake app” to see if the company has reported its brand being spoofed.
  • Look for reviews of the app before you download – both in the app stores and on the web. If the app has no reviews, it was likely created recently and could be a fake. Real apps for big retailers often have thousands of reviews.
  • Don’t download apps with misspelled words in their description. Many fake apps were created in a hurry. On the other hand, some fake apps look almost like the real thing

If you’re using apps for shopping, keep records of your transactions. Screenshot or save the product description and price, the online receipt, and the emails you send and receive from the seller.

Monitor your credit card statements frequently; be on the lookout for charges that you don’t recognize.

For more tips on safely using apps on your phone, check out the “Understanding Mobile Apps” article.

Lazarus, Ari. Consumer Federal Trade Commission (1.3.17).
There’s an app for that (but it might be fake).
Retrieved from https://www.consumer.ftc.gov/blog/theres-app-it-might-be-fake

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Posts from December 2016

County National Bank Hires New Assistant Vice President - Internal Auditor

December 13, 2016 | Return to the CNB Homepage


Craig S. Connor, President and C.E.O., of County National Bank (CNB) recently announced the appointment of Brian J. Powers, Assistant Vice President - Internal Auditor, as approved by the CNB Board of Directors.

Brian PowersBrian Powers, has been appointed to the position of Assistant Vice President - Internal Auditor.  He joined CNB on November 28th.  Brian’s most recent position was Assistant Vice President – Bank Secrecy and Security Specialist for another area bank.  Since 2005, his audit career has included: Staff Auditor, Lead Auditor, Senior Staff Auditor and Senior Staff Audit Officer.  Brian brings nine years of previous experience in the area of bank audit.

Brian will take the role of internal auditor working alongside the VP and Chief Auditor.  He will be key to maintaining the rigorous audit schedule as set forth by banking regulations.

Brian received his Bachelor of Business Administration from Adrian College.  His major was in Business Management with a Minor in Computer Science.  He is also a graduate of the Perry School of Banking – School of Auditing at Central Michigan University.

He and his wife Stephanie, and two children reside in the Adrian area.

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Posts from November 2016

7 Ways to Avoid a Holiday Spending Hangover

November 28, 2016 | Return to the CNB Homepage

do you have a holiday spending plan

 

As the holiday shopping season kicks into high gear, the American Bankers Association has identified seven habits that shoppers should embrace to minimize their holiday spending debt.

“It’s incredibly easy to go overboard buying gifts for loved ones during the holidays, but spending within your means will help keep your holidays merry and your finances bright,” said Corey Carlisle, executive director of the ABA Foundation. “There are simple things you can do to avoid a holiday spending hangover, like setting a budget in advance and avoiding impulse buys.”

Below are seven spending habits Americans should consider to help relieve the financial stress of the holidays:

  1. Plan ahead. Before you start shopping, develop a realistic budget for holiday expenses. Figure out your bottom-line number and set aside holiday cash in increments throughout the year. If you need to use your credit card, think about what you can afford to pay back in January. 
  2. Keep track of other costs. Don’t forget costs beyond gifts, like postage, gift wrap, decorations, greeting cards, food, travel and charitable contributions. Keep in mind the end of the year is a time when large annual or semi-annual costs like car insurance, life insurance, and property taxes arise.
  3. Make and list and check it twice. Keep your gift list limited to family and close friends, noting how much you want to spend on each. If you’re donating to charities, factor in the total amount you plan to donate and how much each charity will receive.
  4. Shop early and space out purchases. Avoid shopping while rushed or under pressure, which can lead to overspending.  Make sure to comparison shop online first, or download an app that lets you compare prices before you buy anything in a store.  Before you head to the cashier (or online checkout), make sure your purchase is within the budget you set.
  5. Avoid impulsive spending decisions. Finding a spectacular sale on something you’ve been wanting can easily throw you off course.  Stay strong and stick to your budget.  Don’t be blinded by limited-time incentives geared toward getting you to spend more.
  6. Use credit wisely. Limit the use of credit for holiday spending.  If you must use credit, use only one card—preferably the one with the lowest interest rate—and leave the rest at home.  Pick a date when you can pay off your holiday credit card bills, and commit to paying off the balance by that time.  Be sure to check statements for unauthorized charges and report them immediately.
  7. Save your receipts. Not only will you need them for possible returns, you’ll need them to keep track of what you’ve spent and to compare with your credit card statement.  Knowing how much you spent will help you plan for next year, too.  Keeping receipts for charitable donations will help you receive tax deductions in the spring.

 

 
Townsend, Mike. American Bankers Association (11.15.16). 7 Ways to Avoid a Holiday Spending Hangover. Retrieved from http://www.aba.com/Press/Pages/111516HolidaySpendingTips
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Have You Received Your EMV Card?

November 21, 2016 | Return to the CNB Homepage

All consumer accounts now have an EMV Chip card, if you have not received your new card, please contact us at 888-322-1088 or visit your CNB branch.

The consumer EMV cards have a much higher security level than an ordinary debit card, and they are free of charge to all customers. We want to ensure all customers have the highest amount of security on their accounts. Therefore, the older (silver) cards will be discontinued, and some merchants may not accept it.

As the holiday season is upon us, we also want to remind you of the daily limits of your card.  These limits can be temporally increased for special travel plans or a shopping trip; that require a higher daily limit.

CNB Consumer Debit Card Limits per Day:
ATM Withdrawal                       $300
Signature Based                      $800
POS w/ PIN                                $1,500
Card Not Present (CNP)         $800

CNB Business Debit Card Limits per Day:
ATM Withdrawal                       $300
Signature Based                      $1,500
POS w/ PIN                                $1,500
Card Not Present (CNP)         $1,500

Please call us today at 888-322-1088 or visit one of your CNB locations for more information regarding this important message. 

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Posts from October 2016

Do You Need a Will?

October 31, 2016 | Return to the CNB Homepage

Do you need a will?


By Christopher A. Phillips, J.D. – Vice President, Senior Trust Officer


I am asked at least once a week, “do I need a will?” My response is always the same – “Are you going to die?” To my surprise, so many people answer, “NO.” After a laugh, they say, “well not for a while.” I do not want to ruin the surprise for anyone so you may want to sit down – you are going to die. So the answer is easy. Yes, you need a will. A will may not be the only estate planning document you need, but you do need a will.

Should you die without a will, legally, you have died intestate; the distribution of your property will follow your state’s default rules, leaving you voiceless in the matter. These default provisions are more formally known as intestacy laws. Each state has a different set of intestacy laws. Understanding intestacy laws can be difficult to do, bottom line, it says the state mandates who receives your assets absent direction from you.
Would you prefer to direct how the assets that you have acquired over a lifetime of hard work and pure determination will be distributed? If you are like most people who want to control the property distribution and set the rules, you need a will.

A will is a legal document that you create during your lifetime which states how and to whom your assets are distributed. Sounds simple, right? Sort of – there are still many things that you should consider:   

  • Who will care for your minor children? 
  • Who can and is willing to serve as your personal representative? The personal representative is the person that you name to carry out the instructions as directed in your will.
  • Who will be your beneficiaries?  Will you include your children, grandchildren, or maybe a charity?
  • How should your beneficiaries receive my assets? Do you want your 20-year-old son to receive $100,000 or even $10,000 without direction from you? What would you have done with $50,000 at age 20?
  • How should your personal property be handled? You most likely have a lot of stuff- family heirlooms, antiques, memorabilia and things that have collected over the years.  Everything you own will need to go somewhere, do you want to make that decision or leave it to the state?

Once you have thought through these questions, take the next step. Warning: These questions can paralyze you. Don’t let them. Call an attorney in your area that specializes in estate planning, and they will guide you through the process.

You can also contact the CNB Trust Department at 517-437-3371 to discuss your situations.


You have worked all your life, why let the state decide? 

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Going Mobile: How to be Safer When Using a Smartphone or Tablet

October 25, 2016 | Return to the CNB Homepage

going mobile - how to be safer with your phone

Everywhere you look, people are using smartphones and tablets as portable, hand-held computers. "Unfortunately, cybercriminals are also interested in using or accessing these devices to steal information or commit other crimes," said Michael Benardo, manager of the FDIC's Cyber-Fraud and Financial Crimes Section. "That makes it essential for users of mobile devices to take measures to secure them, just as they would a desktop computer."
Here are some basic steps you can take to secure your mobile devices.
• Avoid apps that may contain malware. Buy or download from well-known app stores, such as those established by your phone manufacturer or cellular service provider. Consult your financial institution's website to confirm where to download its official app for mobile banking.
• Keep your device's operating system and apps updated. Consider opting for automatic updates because doing so will ensure that you have the latest fixes for any security weaknesses the manufacturer discovers. "Cybercriminals try to take advantage of known flaws, so keeping your software up to date will help reduce your vulnerability to foul play," said Robert Brown, a senior ombudsman specialist at the FDIC.
• Consider using mobile security software and apps to protect your device. For example, anti-malware software for smartphones and tablets can be purchased from a reputable vendor.
• Use a password or other security feature to restrict access in case your device is lost or stolen. Activate the "time out" or "auto lock" feature that secures your mobile device when it is left unused for a certain number of minutes. Set that security feature to start after a relatively brief period of inactivity. Doing so reduces the likelihood that a thief will be able to use your phone or tablet.
• Back up data on your smartphone or tablet. This is good to do in case your device is lost, stolen or just stops working one day. Data can easily be backed up to a computer or to a back-up service, which may be offered by your mobile carrier.
• Have the ability to remotely remove data from your device if it is lost or stolen. A "remote wipe" protects data from prying eyes. If the device has been backed up, the information can be restored to a replacement device or the original (if you get it back). Some reputable apps can enable remote wiping.


1 https://www.fdic.gov/consumers/consumer/news/cnwin16/smartphone_tablet.html

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County National Bank Hires New Vice President – Senior Trust Officer

October 25, 2016 | Return to the CNB Homepage

Christopher Phillips - VP Senior Trust Officer

Craig S. Connor, President and C.E.O., of County National Bank (CNB) recently announced the officer appointment of Christopher A. Phillips, J.D., Vice President – Senior Trust Officer, as approved by the CNB Board of Directors.

Christopher A. Phillips has been appointed to the position of Vice President – Senior Trust Officer. He joined CNB on October 10, 2016.  Christopher’s most recent position was a Vice President, Trust Fiduciary Officer for another area bank.   “The Board of Directors and staff at CNB are very excited to have someone of Christopher’s caliber to lead our Trust and Investment Department,” said Craig Connor.

Since 1996, his Trust and Investment career includes financial planning, wealth management and trust administration, and trust fiduciary work.  Christopher’s legal background in estate planning, trust and probate administration, along with his client-centric approach, will provide well-rounded customer service to the Bank’s Trust customers, as well as leadership in this role.

Christopher will take the administrative lead in Trust Services, and will be key to our commitment to providing excellent customer service throughout CNB’s South Central Michigan market area.

Christopher attended the University of Evansville, Evansville, Indiana.  He received his Bachelor of Arts in Political Science from the University of Southern Indiana, and his Juris Doctorate from Valparaiso University, School of Law in Valparaiso, Indiana.

Christopher’s community activities include the Adrian Kiwanis Club, Sand Creek Community Church Deacon Chair and serves on the Lenawee Cares Committee.  He and his wife Erin and two children reside in the Adrian area.
 

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Posts from September 2016

County National Bank Pledges $15,000 to Hospice of Lenawee County

September 20, 2016 | Return to the CNB Homepage

Left to Right: Anna Mortimer, Branch Officer—CNB; Susan Turner, Director of Community Education & Development – Hospice; Ashley Gonzalez, Mortgage Loan Originator – CNB; Chris Clarke – Vice President Commercial Loans—CNB .

County National Bank (CNB) has pledged $15,000 to the Hospice Heart Endowment Fund. Since opening the new Adrian Office earlier this year, giving back to the community has been one of the focal points for CNB. Anna Mortimer, Branch Officer, explained, “Hospice is such a vital entity to our community. I do not know a single person who hasn’t been positively affected by Hospice’s outreach. What a blessing they are to Lenawee and we are thankful to provide additional resources to their mission.”
Hospice of Lenawee currently serves over 130 patients per day; their services are provided in a patient’s home, facilities or the Hospice Home located in Adrian, MI. The Hospice Heart Endowment Fund provides financial support to patients and their families who struggle with the substantial costs that accrue from prolonged medical treatments.  Susan Turner, Director of Community Education & Development, explained, “When we set our goal to raise $500,000 in three years for the Hospice Heart Endowment Fund, we were confident that our community would step up to support this mission.  County National Bank’s decision to make a contribution is so important, as it will ultimately benefit those patients and their families who are either uninsured or underinsured.  We are so grateful for their support.”
In the past 25 years of serving Lenawee County, CNB has contributed to numerous organizations and causes. The staff members from the Hudson and Adrian Offices call Lenawee their home and are always looking for ways to give back to the community that has given them so much. While speaking about the significance of Hospice, Turner said, “Hospice of Lenawee provides compassionate, patient and family-centered care to the people of our community during and after the last season of life.  End-of-life care and specifically hospice is often surrounded by myths, one of which is that hospice is only for the last few days of life.  This is simply not true.  We urge people to call when they have a question and not when they are in crisis.” County National Bank is pleased to support this organization and looks forward to many years of partnership.

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County National Bank Hires New Vice President – Lending

September 09, 2016 | Return to the CNB Homepage

Karena Mills - VP LendingCraig S. Connor, President and C.E.O. of County National Bank (CNB), recently announced the officer appointment of Karena A. Mills, Vice President – Lending Officer, as approved by the CNB Board of Directors. 

Karena A. Mills has been appointed to the position of Vice President – Lending Officer. She joined CNB on July 26, 2016.

Karena’s most recent position was as CEO for a smaller local community bank.  Since 1992, her banking career includes many roles: executive trainee, senior accountant, vice president – human resources, vice president - finance, chief operating officer and chief financial officer.    This extensive background and experience will provide well-rounded leadership in her role with County National Bank. 

Karena will take the administrative and strategic lead in consumer and mortgage loan product development.  Additionally, she will help direct our continued focus on high-quality customer service and relations throughout our South Central Michigan market area. 

Karena is a graduate of the American Bankers Associate, Commercial Lending School, and National Commercial Lending School.  She completed the Graduate School of Banking Program and Financial Management School through the University of Wisconsin – Madison Wisconsin.  Karena also has a Bachelor of Business Administration from Adrian College.

Karena and her two Italian Greyhounds regularly visit the Brooklyn Senior Care Facility for some pet therapy with the residents.  She and her family reside in the Brooklyn area
 

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Posts from August 2016

EMV Card How To

August 25, 2016 | Return to the CNB Homepage

Have you received your EMV Debit Card from CNB? If this is your first one, please see below for easy how-to use instructions. 

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Adrian Grand Opening is A Grand Success

August 04, 2016 | Return to the CNB Homepage

On July 20th, 2016 County National Bank celebrated the Grand Opening of their 12th branch, located in Adrian, Michigan.  The event kicked off with opening remarks from John Bartoszewicz, President & CEO of the Adrian Area Chamber of Commerce, thanking everyone who attended and introducing Craig Connor, President & CEO of County National Bank, and Chris Clarke, Vice-President Commercial Loans. Mr. Connor noted, “Opening a new banking office today is a tough decision.  In these days of online and mobile banking—many people are just not using the brick and mortar bank as much… it has been since 1988 since a new bank opened for business in the City of Adrian.” In the 28 year absence of new financial institutions, the city seemed ready to embrace a new community bank. With the Adrian Area Chamber of Commerce, State Senator Dale Zorn, Mayor Jim Berryman, and over twenty CNB staff, the event was packed with supporters. The biggest support came from the community; an estimated 300 people attended the event. 

“We were extremely impressed and excited to see so many people come to the opening.” said Lauren Sawyer, CNB Marketing Manager, “Everyone had such positive things to say about the building, staff, and event in its entirety. It was great!”. Local vendors helped to make the occasion a success; Smoke Signals, T & L Rentals, The Man in the Van, and WLEN all played a large part in the day. Kathy Williams and the WLEN crew were live-on-location broadcasting and interviewed members of the community, CNB staff, and customers. As Mr. Connor said, “We are very excited about being in Adrian.  We really do think a strong committed Community Bank like ours will bring value and have a positive impact on Adrian.” CNB is looking forward to branching out to a new community.

The newest County National Bank branch is located at 1380 S. Main Street, Adrian MI and is open 9:00am-5:00pm Monday-Thursday, 9:00am-5:30pm on Friday and by appointment on Saturday.

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Food, Fun, and Fireworks: Homer is Home Festival

August 04, 2016 | Return to the CNB Homepage

Craig Burlingame – Homer Branch Manager


The village of Homer has been a staple in southern Michigan since it was incorporated in 1871. While the high school baseball team and Cascarelli’s might be the first thing that comes to mind when you think of Homer, it’s the Homer is Home Festival that is near and dear to everyone in the area. The festival is a weekend of neighbors coming together, community involvement, and everyone having good time. The weekend kicks off on Friday, August 5th with a Baggo Tournament and lasts until dusk the next day when an extravagant firework display caps off the activities. In between the start and end, there are activities for everyone; ranging from a bass fishing tournament, horseshoes, mud volleyball, and Bingo. In addition to all the exciting events, music plays on Main St., local vendors show of their arts and crafts, and food (especially pork) is in high demand. If you’re looking for something to do with your family or friends, stop by Homer August 5th & 6th to see why we’re so proud to call Homer Home.

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Posts from July 2016

Money Tips Every Freshman Should Know

July 29, 2016 | Return to the CNB Homepage

Money Tips for College Freshman

Top 10 Money Tips Every Freshman Should Know*

 

As college students head to campus for the fall semester, money management should be on their personal syllabus. The bank has released ten money-saving tips to help college students get an early start on securing their financial future.

County National Bank offers the following tips to help college students form a strong foundation for money management:

  • Create a budget. You’re an adult now and are responsible for managing your own finances. The first step is to create a realistic budget or plan and stick to it.
  • Watch spending. Keep receipts and track spending in a notebook.  Pace spending and increase saving by cutting unnecessary expenses like eating out or shopping so that your money can last throughout the semester.
  • Use credit wisely. Understand the responsibilities and benefits of credit.  Use it, but don’t abuse it.  How you handle your credit in college could affect you well after graduation.  Shop around for a card that best suits your needs.
  • Take advantage of your bank’s resources. Most banks offer online, mobile and text banking tools to manage your account night and day.  Use these tools to check balances, pay bills, deposit checks and monitor transaction history. 
  • Lookout for money. There's a lot of money available for students -- you just have to look for it. Apply for scholarships, and look for student discounts or other deals.
  • Buy used.  Consider buying used books or ordering them online.  Buying books can become expensive and often used books are in just as good of shape as new ones.
  • Entertain on a budget. Limit your “hanging out” fund.  There are lots of fun activities to keep you busy in college and many are free for students.  Get the most from your student ID.  Use your meal plan or sample new recipes instead of eating out.
  • Use only your bank’s ATMs. Avoid fees by using ATMs owned by or affiliated with your bank. If you must use an ATM that is not affiliated with your bank, take out larger withdrawals to avoid having to go back multiple times.
  • Never save passwords. With on-line and mobile banking, it is important to never ‘autosave’ your password. If your phone is misplaced or you stay logged into the library’s computer, your bank account could be at serious risk.

*Information from American Bankers Association

» Read more

Seth Glier at The Wax

July 22, 2016 | Return to the CNB Homepage

Seth Glier at The Wax | 215 W Michigan Ave, Jackson, MI 

If you’re not familiar with Seth, let us bring you up to speed: Despite his relatively young age, Massachusetts based singer/songwriter/pianist/guitarist Seth Glier is a seasoned troubadour. Averaging over 250+ live performances annually Seth has gone from opening act to headlining his own shows and playing major folk festivals.

More Information Here

» Read more

Wendy’s Restaurants Data Breach

July 15, 2016 | Return to the CNB Homepage

You may have read or heard about the recent worldwide data breach at Wendy’s restaurants.   County National Bank was notified by our card processor, MasterCard®, that some CNB debit cards were a part of this data breach.  The compromised information is limited to the card number not your social security or account number.

If there has been confirmed fraud on your account, we will contact you.  Here are steps we are taking to monitor and reduce the amounts of possible debit card fraud, if your card has been compromised:

  • You can continue to use your existing County National Bank debit card as PIN based only.
  • If you do not know your PIN number, please call our customer service group at 1 888-322-1088 or 517-439-4300 so we can assign you one.
  • Your limits will remain the same on all PIN based transactions. This change only restricts your ability to do any signature based or card not present transactions on your debit card.
  • A new chip enabled EMV debit card with a new card number will be ordered for you at no cost.
  • If you notice any unauthorized transactions on your account and notify us we will immediately close the card to stop any future activity from occurring.

Due to the high number of debit and credit cards re-issued in connection with the recent breach, there may be a delay in the shipment of replacement cards.  We are hopeful you will receive your card by mid-August.

You can also take steps to protect yourself even further by closely monitoring your account and double-checking monthly statements to ensure that they match your records. If you have online access to your accounts or mobile banking, you can check your transactions as frequently as possible. If you detect any suspicious activity on your account, notify us immediately. Please remember, you will not be held liable for any unauthorized transactions that may occur from this merchant breach if you notify us once you become aware of the activity.

We take our obligation to protect the security of your card very seriously. We apologize for any inconvenience this may cause you. If you have any questions or concerns, please don’t hesitate to give us a call at 517-439-4300 or 888-322-1088.

» Read more

County National Bank Announces Opening of Adrian Office

July 05, 2016 | Return to the CNB Homepage

 

Craig S. Connor, President and C.E.O. of County National Bank, is pleased to announce the opening of the new Adrian Office at 1380 South Main Street.

After serving Lenawee County for 25 years at the Hudson Office, it was announced in November 2015 that County National Bank would be expanding into the city of Adrian, Michigan.  The Bank staff is comprised of Chris Clarke, Vice President – Commercial Loans; Anna Mortimer – Branch Officer; Ashley Gonzalez – Mortgage Loan Originator; along with Nikki Nyack and Devin Stevens—New Accounts Representative/Personal Bankers and Elise Kreske—Teller.


Chris Clarke has been a community banker for over 15 years, primarily in Lenawee County; he joined the CNB team in May 2015.  His banking expertise includes commercial lending, business relationship banking and business financial statement analysis.  Anna Mortimer brings 9 years of banking background with her; she has worked for various banks in the Lenawee and Jackson markets since 2007.  Anna previously worked in the capacity of personal banker and branch manager.  Ashley Gonzalez began her career in 2012 in the Tecumseh and Adrian area; previously she worked as a new account representative, assistant branch manager and market manager.  Ashley looks forward to meeting the mortgage lending needs for the Adrian community with an array of competitive mortgage products.


In addition to the professional accomplishments listed above, the Adrian team is very involved volunteering in the community.  Mr. Clarke is a current Board Member of Communities in Schools of Lenawee, Lenawee County Land Bank Authority and ProMedica Lenawee Golf Steering Committee.  Ms. Mortimer is active with Junior Achievement and Associated Charities of Lenawee County.  Ms. Gonzalez is currently involved with the Adrian City Board of Review, President of the Adrian District Library Board, active with the Lenawee United Way, Adrian Schools Educational Foundation Board of Trustees, a member of the Adrian Alumni Association Board, the ATHENA Lenawee Council and The Croswell Capital Campaign Cabinet.
“We are very excited to open our new Adrian Office and think our community bank can make a positive difference promoting and expanding local commerce,” said Craig Connor.  “The new office provides a special setting to offer banking services to Adrian and the greater Lenawee County.”


Construction on the building is complete and the new, fully renovated office is now open for business!  Local contractors and businesses worked hard to ensure the office now has an attractive, modern look. 

Join us for the Adrian Office Grand Opening Celebration on Wednesday, July 20th from 11:00 a.m. to 2:00 p.m.

» Read more

Hanover-Horton 4th of July Celebration

July 03, 2016 | Return to the CNB Homepage

Travel to the Horton-Hanover area for the holiday weekend!

 

Activities Include: 

  • Pancake Breakfast
  • Parade
  • Pig Roast
  • 3 on 3 Basketball
  • 5K Run
  • Street Dance 
  • Fireworks And More!

More Information Here

» Read more

Posts from June 2016

Ella’s Patio Party

June 30, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Trent Harris Trio

» Read more

The Sauk: Tarzan

June 26, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang
Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions
TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.
June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org
The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

The Sauk: Tarzan

June 25, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang
Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions
TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.
June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org
The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

JSO: Summer Solstice Party with Koa and the Smoking Flowers

June 25, 2016 | Return to the CNB Homepage

Grand River Brewery Parking Lot, 117 W. Louis Glick Hwy.
Jackson, MI 49201 United States + Google Map
KOA - Jackson Symphony

Summer Solstice Party with Koa and the Smoking Flowers - A Fundraiser for The Jackson Symphony Orchestra and The Michigan Theatre.  Doors open at 7:00 PM $15 in advance, $20 at the door

» Read more

Rain or Shine, It’s Art, Beer & Wine Festival Time

June 24, 2016 | Return to the CNB Homepage

 

On a sunny Saturday afternoon, thousands poured into the Ella Sharp Museum for the 12th annual Art, Beer & Wine Festival. The Festival was held on June 4, 2016 at the Ella Sharp Museum and was presented by County National Bank. What started with sunshine ended with rain clouds, not that it mattered to anyone the Festival. Lauren Sawyer, Marketing Manager at CNB said, “This was my first time attending the event; I had no idea there was such an amazing festival so close to home. We persevered through the rain and truly enjoyed everything.”

Bill Jors, Vice President of Business Development & Commercial Loan Officer, started the day off with a toast to all the volunteers and vendors. This year the festival hosted 31 breweries & distilleries, 15 wineries, 130 artists, and 14 food booths that were all Michigan-made. Over 2,500 attendees traveled to the event, making it one of the most successful years in the event’s history. “Our goal,” said Donna Riley, Director of Membership & Development, “is to showcase every winery and brewery in Jackson, and invite others from across Michigan. When we jury artists for booth space, we’re looking for unique, local artists who may not have another outlet to showcase their work.” Several artists created art on-site right at their booth to the entertainment of the attendees. The breweries and wineries poured samples with the support of volunteers, including employees of County National Bank.

This was the second year that County National Bank was the presenting sponsor of the Festival. Each year, the Bank hosts a large hospitality tent at the event for attendees to relax and take in the beautiful surroundings and spirited atmosphere. The event, which serves as the biggest fundraiser for the Ella Sharp Museum, is extremely valuable for the community and local residents. “Not only are we supporting local wineries, breweries and artists in our community, we’re also showcasing the museum. The fact that we have a viable art and history museum in Jackson enhances our whole economic profile. It attracts visitors and new residents alike,” said Donna. If you missed it this year, be sure to mark it on the calendar for next year. Rain or shine, there will be great drinks, food, and art!

» Read more

CNB + Small Business = Success

June 24, 2016 | Return to the CNB Homepage

 

Featured Author: Lois Howard – Vice President Commercial Loans


Small business is vital to the success of our community and the economy. When you succeed, so do we; it’s that partnership that makes our community flourish. The Small Business Administration reports that small businesses represent 99.7% of all employers. 
The small business owner needs to have resources available to help face the daily challenges that come with operations, and County National Bank can help!

County National Bank cares deeply about small business. As a locally owned business with offices in your community, we strive to help you succeed. We are armed with a “tool box” of products and services available to assist small business in meeting goals of efficiency, profitability, and aiding to build a road to success.

CNB offers specialized products and services intended to help the small business owner thrive:

  • Small Business Loans
  • Small Business Administration Guaranteed Loans
  • Business Checking Accounts
  • Business Bill Pay
  • Business Savings Accounts
  • Investments
  • Health Savings Accounts
  • Cash Management Tools
    • ACH for Payroll Processing
    • Remote Deposit Capture

The partnership between business and banking is critical; small business is essential in creating local job opportunities to support the local economy.  The resources are available to help support a promising future.  The Harvard Business Review states there are five stages of small business: existence, survival, success, take-off, and resource maturity; at CNB we have tools to help you at every stage of your business. Our products and services can be tailored to any small business.

Contacts:

Hillsdale County - Don Germann

Jackson County - Melissa Stroede

Lenawee County - Anna Mortimer

You can also contact your experienced personnel at any CNB Branch for any banking needs or additional information.

» Read more

The New Leading Ladies of U.S. Currency

June 24, 2016 | Return to the CNB Homepage

The new leading ladies of US Currency

 

 

Last year the U.S. Treasury announced its intention to feature the face of a woman on a redesign of the $10 bill. The new bill is scheduled to be released in 2020, which is a significant year for women’s rights marking 100 years since women were granted the right to vote by the 19th amendment. This year Jack Lew, Treasury Secretary, shocked the country when he announced the $5, $10, and $20 bill will be featuring new female faces. 

The $5 will keep the 16th president, Abraham Lincoln, on the front, while the back of the bill will feature historical moments that took place at the Lincoln Memorial. The two women who are slated to be featured are the African American opera singer Marian Anderson and former first lady Eleanor Roosevelt. Roosevelt hosted a concert at the memorial in 1939 where Anderson was featured in an effort to raise the profile of the civil rights movement.

The $10 bill features a montage of women whom aided the American Suffrage Movement.  Alice Paul, Elizabeth Cady Stanton, Lucretia Mott, Sojourner Truth, and Susan B. Anthony will all grace the back of the $10 note in a mural featuring the women. Alexander Hamilton, the 1st Treasurer of the United States, will remain spot on the front of the bill.

The $20 bill will feature the biggest and most noticeable change with Harriet Tubman featured on the front, moving Andrew Jackson to the back. Tubman, the founder of the Underground Railroad, has been credited with leading thousands of escaped slaves from the South to the North. Following her days as a ‘conductor’ on the Underground Railroad, Tubman was an unwavering supporter of the woman’s right to vote.

The last and only time a woman was featured on paper currency in the United States was over 100 years ago in the late 1800s when Martha Washington had a brief appearance on the silver-dollar certificate. All the bills will feature increased security features and an aid for the blind.

» Read more

The Sauk: Tarzan

June 24, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang
Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions
TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.
June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org
The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

Ella’s Patio Party

June 23, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: My Back Pages

» Read more

The Sauk: Tarzan

June 19, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang
Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions
TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.
June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org
The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

The Sauk: Tarzan

June 18, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang
Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions
TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.
June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org
The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

The Sauk: Tarzan

June 17, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang
Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions
TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.
June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org
The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

Ella’s Patio Party

June 16, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Bob Schultz

» Read more

The Sauk: Tarzan

June 16, 2016 | Return to the CNB Homepage

Based on the Disney film
Music and Lyrics by Phil Collins

Book by David Henry Hwang

Adapted from the story "Tarzan of the Apes" by Edgar Rice Burroughs

Originally produced on Broadway by Disney Theatrical Productions

TARZAN owned by Edgar Rice Burroughs, Inc. and Used by Permission


June 16-18 and 23-25 at 8 p.m.

June 19 and 26 at 3 p.m.

$12 - Adults, $10 Seniors/Students, $8 Children
Tickets are now available online at thesauk.org

The box office will open June 8 for phone and in-person sales.


All performances will take place atMarkel Auditorium,inside the

Sage Center (81 E. College St., Hillsdale) on the campus of Hillsdale College

» Read more

CNB Recognizes World Elder Abuse Awareness Day

June 16, 2016 | Return to the CNB Homepage

 

14 Tips for Stopping Elder Financial Abuse in its Tracks

Every year, millions of seniors fall victim to financial fraud. Studies show elder financial abuse costs seniors approximately $2.9 billion each year. In recognition of World Elder Abuse Awareness Day on June 15, County National Bank is urging older customers and their trusted caregivers to safeguard all personal information and stay alert to the common signs of financial abuse.

County National Bank is offering the following tips:

  • Plan ahead to protect your assets and to ensure your wishes are followed.  Talk to someone at your financial institution, an attorney, or financial advisor about the best options for you.
  • Carefully choose a trustworthy person to act as your agent in all estate-planning matters.
  • Lock up your checkbook, account statements and other sensitive information when others will be in your home.
  • Never give personal information, including Social Security Number, account number or other financial information to anyone over the phone unless you initiated the call and the other party is trusted.
  • Never pay a fee or taxes to collect sweepstakes or lottery “winnings.”
  • Never rush into a financial decision.  Ask for details in writing and get a second opinion. 
  • Consult with a financial advisor or attorney before signing any document you don’t understand.
  • Get to know your banker and build a relationship with the people who handle your finances. They can look out for any suspicious activity related to your account.
  • Check references and credentials before hiring anyone. Don’t allow workers to have access to information about your finances.
  • Pay with checks and credit cards instead of cash to keep a paper trail.
  • You have the right not to be threatened or intimidated. If you think someone close to you is trying to take control of your finances, call your local Adult Protective Services or tell someone at your bank.

If you believe you are a victim of financial abuse, be sure to:

  • Talk to a trusted family member who has your best interests at heart, or to your clergy.
  • Talk to your attorney, doctor or an officer at your bank.
  • Contact Adult Protective Services in your state or your local police for help.

World Elder Abuse Awareness Day was launched on June 15, 2006 by the International Network for the Prevention of Elder Abuse and the World Health Organization at the United Nations.

» Read more

Ella Sharp Eye of the Eagle Exhibit opening

June 15, 2016 | Return to the CNB Homepage

Exhibit Reception
Wednesday, June 15
5:30-7:30 p.m.

Join us for a gallery reception Wednesday, June 15, 5:30-7:30 p.m., sponsored by American Title, The Walton Agency, County National Bank and The Carroll Collection. The reception will feature the exhibit "An Eagle's Eye Perspective," which displays Dale Fisher's beautiful photographs. At 6:30 p.m. Dale will be speaking about the making of "Jackson County: Visions of the Eagle," as well as his career of taking photographs from the air. 

Dale will be available to sign his latest book, "Jackson County: Visions of the Eagle."  Available for purchase at the Friends Gift Shop, this is his biggest and best book yet. Refreshments and a cash bar will be available.

Please RSVP on the Facebook event page.

» Read more

Ella’s Patio Party

June 09, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Jeff & JD

» Read more

CNB Presents: The Art, Beer, and Wine Festival

June 04, 2016 | Return to the CNB Homepage

Summer starts here! Don’t miss Ella Sharp’s 12th Annual Art Beer and Wine Festival presented by County National Bank on June 4th, 2016. This fantastic event, from noon to 6:00 pm, features over 30 local wineries and breweries, 40+ artists and nearly 2,500 guests. Live music permeates the air courtesy of two stages – one on the north and one on the south side of the festival – as well as traveling musicians who roam through the aisles and booths of the museum grounds.

The goal of the Art, Beer & Wine Festival, the museum’s signature event, is to showcase the many talented artists, musicians, wineries, breweries and local businesses available here in Michigan and to connect them with an appreciative audience. All proceeds from the festival (including bottle wine and beer sales) will benefit Museum programming. Tickets are $30 at the door and include a commemorative glass and 10 tokens for wine and beer samples.

» Read more

Ella’s Patio Party

June 02, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Palmer & Pelham

» Read more

JSO: Amy LaVere at The Wax

June 02, 2016 | Return to the CNB Homepage

8:00 PM (Doors open at 7:30 PM) $12 In Advance/ $15 At The Door   Amy LaVere is an American singer, songwriter, upright bass player and actress based in Memphis, Tennessee. Her music is classified as Americana, combining a blend of classic country, gypsy jazz, and southern soul.

» Read more

Posts from May 2016

Jonesville Memorial Day Parade

May 30, 2016 | Return to the CNB Homepage

Jonesville will kick off Memorial Day with an American Legion Pancake/Sausage Breakfast from 7-11 a.m. in the Jonesville Middle School gymnasium. The parade will form at the corner of West Street and US-12 at 8:30 a.m., and the line begins moving at 9 a.m. with Michigan Youth Challenge students marching.

» Read more

Hudson Memorial Parade & Services

May 30, 2016 | Return to the CNB Homepage

Services at Calvary Cemetery, Hudson

» Read more

Ella’s Patio Party

May 26, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Steve Berkemeier

» Read more

Jonesville Riverfest

May 22, 2016 | Return to the CNB Homepage

Always held the 3rd weekend in May, Riverfest celebrates Jonesville's connection to the St. Joseph River, an integral part of the town's early history that helped make it a center of commerce in Hillsdale County. Held at multiple venues throughout Downtown Jonesville, Riverfest is organized and run by a dedicated group of volunteers who partner with many area organizations and local businesses to host this Family Friendly event.

 

A triathlon, canoe and kayak races, car/bike show, antique tractor/snowmobile show, 3 on 3 basketball tournament, duck derby, carnival rides, arts and crafts, chicken BBQ, and live music, are just a few of the weekend's fun happenings! Download the Event Flyer or follow us on Facebook to stay up to date on all things Riverfest 2016.
- See more at: http://jonesvilleriverfest.com/#sthash.9aSTOfG6.dpuf

» Read more

Jonesville Riverfest

May 21, 2016 | Return to the CNB Homepage

Always held the 3rd weekend in May, Riverfest celebrates Jonesville's connection to the St. Joseph River, an integral part of the town's early history that helped make it a center of commerce in Hillsdale County. Held at multiple venues throughout Downtown Jonesville, Riverfest is organized and run by a dedicated group of volunteers who partner with many area organizations and local businesses to host this Family Friendly event.

 

A triathlon, canoe and kayak races, car/bike show, antique tractor/snowmobile show, 3 on 3 basketball tournament, duck derby, carnival rides, arts and crafts, chicken BBQ, and live music, are just a few of the weekend's fun happenings! Download the Event Flyer or follow us on Facebook to stay up to date on all things Riverfest 2016.
- See more at: http://jonesvilleriverfest.com/#sthash.9aSTOfG6.dpuf

» Read more

The Sauk: Go Prov - Improv Comedy on the Go

May 21, 2016 | Return to the CNB Homepage

GoProv, an improvisational comedy troupe from Indiana, will return to The Sauk for their third annual visit. With simple suggestions from the audience, GoProv makes up their entire performance on the spot. No scripts, no rehearsals, just downright fun!

» Read more

Jonesville Riverfest

May 20, 2016 | Return to the CNB Homepage

Always held the 3rd weekend in May, Riverfest celebrates Jonesville's connection to the St. Joseph River, an integral part of the town's early history that helped make it a center of commerce in Hillsdale County. Held at multiple venues throughout Downtown Jonesville, Riverfest is organized and run by a dedicated group of volunteers who partner with many area organizations and local businesses to host this Family Friendly event.

 

A triathlon, canoe and kayak races, car/bike show, antique tractor/snowmobile show, 3 on 3 basketball tournament, duck derby, carnival rides, arts and crafts, chicken BBQ, and live music, are just a few of the weekend's fun happenings! Download the Event Flyer or follow us on Facebook to stay up to date on all things Riverfest 2016.
- See more at: http://jonesvilleriverfest.com/#sthash.9aSTOfG6.dpuf

» Read more

Ella’s Patio Party

May 19, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: My Black Pages

» Read more

Credit Myth Busters: CNB Edition

May 17, 2016 | Return to the CNB Homepage

Credit Myth Busted

Can you see the Great Wall of China from space? No. Does a goldfish have a three second memory span? No. Some myths have become so familiar that we do not question if they are actually true. When it comes to credit, there is a lot of misconstrued information and we’re here to set the record straight. Today, more than any time in history, our credit plays a direct role in our everyday life. Our credit score affects our job opportunities, digital identity, and even where you can get approved to live. Considering credit is so prevalent, there are a number of myths and misunderstandings.

Here are five credit myths explained:

  1. I have a lot of debt, so I must have bad credit. The most important component of building credit is how consistently you pay back your debt. For instance you may have college loans, a mortgage, credit cards, and a car payment—all these would accrue a significant amount of debt. As long as you are making consistent on-time payments that are greater than the minimum required payment, your credit will only improve. If you truly have bad credit, chances are you would not have been approved for all those credit lines.
  2. My spouse has great credit, so I don’t have to worry about mine. There is no such thing as joint credit. However, there is such a thing as a joint loan. Unfortunately one person’s bad credit could have a negative impact on future lines of credit. Certain loans, mortgages, and other items that are done as a couple, jointly or co-signed, require both individuals to have their credit checked. The spouse with the lower credit score could lead to higher interest rates, increased fees, or even a denial based on the reliability of the individual. Sometimes the spouse with the higher income will apply for the line of credit alone and may not need to associate with the other individual’s credit, but it's always a good idea to keep a good credit score for the potential need to co-sign an application.
  3. Checking my credit will hurt my score. This is not quite true. Federal law entitles everyone to a free credit report every 12 months if you ask for it. This request is considered a soft inquiry and does not affect your credit score. The best source to request your free credit report is www.annualcreditreport.com. In contrast, a hard inquiry is done by an outside party when attempting to open a new line of credit or applying for a loan. Too many hard inquiries in a short amount of time can lower your credit score.
  4. A bill got sent to collections, but I paid it right away so it won’t hurt my score. If you’re late paying a bill and it goes to collections, that information gets directed to the credit bureaus. Even after you pay the bill, it is possible the blemish will stay on your report up to seven years. The best way to fix the issue? Pay your bills on time. If you are suffering financial hardships, many institutions will work with you on a repayment plan to help you avoid collections. If a bill is sent to collections, you can try to negotiate or dispute it with your lender to have it removed or resolved.
  5. Having more than one credit card will hurt my credit. This could be true or false. If you’re responsible with your payments, having one or more credit cards is an easy way to establish and build your credit. Consistent payments and a low balance are key to implement the success of your credit.  Having multiple cards due to one being "maxed out" and needing a backup will not help your score. If you carry a high balance on one or more cards, lenders may see you as irresponsible.

It’s never too late to improve your credit and it’s always a good idea to keep an eye on your score.  Remember, you can always check your credit score for free every 12 months at www.annualcreditreport.com. 

 

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Passing on a Wealth of Knowledge to Local Teens

May 17, 2016 | Return to the CNB Homepage

People around a table

 

CNB welcomed four 8th graders to our team on the morning of May 12th, 2016. The students came from three schools in Hillsdale County which participate in a program called Payback for Education. For the last 11 years, Dr. Colin Mayers Orthodontist Office and the Hillsdale ISD have provided real world work experience to the 8th graders. This year, over 20 local businesses in Hillsdale participated to offer a work site experience, which demonstrates the importance of personal management skills and teamwork in a work setting. 

To demonstrate the inner workings of the Bank, students got a taste of Human Resources, bank security, working as a Teller, Consumer Loans, and Marketing. Anna Mortimer, the Adrian Branch Officer, worked in depth with the students to demonstrate the importance of credit and how to decide lending rates with an interactive loan activity. In response to what she enjoyed most, Anna said, “Any time I can coach, teach, mentor and inspire anyone with financial understanding, it just makes my day. The lesson we taught was probably the students’ first time going through a credit report. I enjoyed seeing their faces with shocked expressions and answering their insightful questions.” Each student was designated an identity, income, and other information that factors into a loan application. The students then had to decide if they would be eligible for the loan or not. Anna’s overall opinion of the Payback for Education program was positive. “Wow, I wish I had this opportunity when I was in middle school,” Anna said. “Any way to provide hands-on, real world experiences in the classroom gets my approval.”


The students had a valuable visit and were able to gain experience that will help them in the future with their career paths.

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CD Rates on the Rise?

May 17, 2016 | Return to the CNB Homepage

Girl with Balloons

In 2012 U.S. News & World Report published an article titled “The Death of the Certificate of Deposit.” While this may have been a little dramatic, the economic situation was so dismal compared to 5, 10, and 25 years earlier that the historic low rates of the last few years were depressing. Certificates of Deposit, or CDs, used to be one of the most alluring forms of investment with their high-yield opportunities and their relatively low-risk nature.

CD rates are dependent on economic conditions, such as unemployment, and are guided by the Federal Reserve. In December of 2015, the Federal Reserve hiked the federal funds rate by a quarter point, which was the first time the rate had been increased in more than nine years. Granted, a quarter point isn’t a lot, but it has sparked a flame across the financial investment industry in hopes of good things to come. One of the side effects: CD rates have started showing some new life!

Another side effect of the long-term low rates the U.S. has had is that CD products have grown in creativity, introducing unique features for certain CDs. One such product that is currently at County National Bank is called a Rising Rate CD. In this variety of CD the Annual Percentage Yield (APY) increases incrementally for predetermined lengths of time. Here’s how the current Rising Rate CD at CNB works:

  • For the first six months, you start with a great rate of .50% APY
  • The second six months, your rate increases to .75% APY
  • In the third six-month period, the rate bumps to 1.00% APY
  • For the fourth and final six months, your rate doubles to 2.00% APY
  • The overall 24-month APY is 1.07%
  • A minimum balance of $500 is required

Traditionally when an individual invests in a CD, they are not allowed to access that money until the full term of the CD is complete – unless they are willing to incur a withdraw penalty. With the CNB Rising Rate CD, there is a 10-day grace period after every 6 months where the account holder can withdraw money without a fee, as long as a $500 minimum is maintained in the account. This feature is particularly unique and offers more flexibility than a traditional CD.

Even though CD rates have been historically low for the last few years, there is a silver lining! The new varieties of CDs available, including the Rising Rate CD at CNB, have emerged as exciting new investment tools. If you are interested in learning more, please contact us at 888-322-1088 or call or visit your nearest CNB office.


Annual Percentage Yield (APY) effective as of 5/2/2016 and is subject to change without notice. $500 minimum balance required. Early withdraw penalties may apply if withdrawals are outside the 10-day grace periods or if they reduce the balance below the minimum. Fees could reduce earnings on the account

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Brightside Specialized Assisted Living Center Groundbreaking

May 17, 2016 | Return to the CNB Homepage

Groundbreaking picture

 

On Friday May 6, 2016, John Ganton Sr. flanked by two of his employees, the Jackson Chamber,  Bill Jors (Vice President - Business Development & Commercial Loans) and Melissa Stroede (Branch Officer- Horton Rd.) broke ground for a new facility that will be coming to Jackson next year. Near the corner of Spring Arbor Road and Robinson Road in Jackson, the construction cranes were poised and ready to go to begin construction on May 9th for Brightside Specialized Assisted Living Center.

The groundbreaking ceremony was short and sweet with John Ganton welcoming the crowd. He then spent a few minutes highlighting the history of Countryside and explaining the benefits of the new Brightside Center, referencing posters with architectural drawings of the new building. The new facility will be part of the Countryside Retirement Community campus and the first of its kind in Jackson with a focus entirely on Memory Care. The building will be small and hold only a few dozen residents. A small facility is ideal for this kind of care so that the residents won’t be easily confused or lost. The care will focus on residents with mild Alzheimer’s Disease.

In John Ganton’s speech, he was proud to note that all construction, supplies and services for Countryside Retirement Community are sourced locally. “Nothing comes from outside of Jackson for our operations,” says John Ganton, “including our financing for this new facility which is coming from County National Bank.” We at County National Bank are pleased to be recognized for our efforts to support local businesses and improve the quality of life in our community. That’s what banking that stays in the community is all about.

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New Hires for Adrian Branch

May 17, 2016 | Return to the CNB Homepage

New Hires at Adrien Branch

Craig S. Connor, President and CEO of County National Bank is pleased to announce the staff for the Bank’s new Adrian Office.

Anna L. Mortimer joins the Bank as the Adrian Branch Officer. Anna received a Bachelor’s of Science in Criminal Justice from Canyon College. Following her graduation, she began her career as a Teller in Lenawee County. Anna has been a banker in the Lenawee and Jackson market areas since 2007.  Anna has also worked in the capacity of Personal Banker and Branch Manager.  Anna looks forward to returning to the Adrian community and re-establishing in this market. 

Anna has been very active in the communities she’s served, including volunteering for Junior Achievement, Associated Charities of Lenawee County, Young Leaders Society/United Way, the Lenawee County Fair and as a Director of AWANA.  She and her family reside in the Brooklyn area.

Ashley M. Gonzalez joins the Bank as a Mortgage Lender in the Adrian Branch.  Ashley received a Bachelor of Business Administration from Siena Heights University and a Master’s Degree in Social Justice and Community Development from Loyola University of Chicago.

Ashley began her banking career in 2012 as a New Account Representative for the Tecumseh and Adrian area; she was soon promoted to Assistant Branch Manager in Adrian.  In 2014, Ashley became a Market Manager, managing the operations and sales initiatives for two community banking centers.  Ashley looks forward to assisting with the mortgage lending needs for the Adrian community.

Ashley is currently active as a member of the Adrian City Board of Review, President of the Adrian District Library Board, active with the Lenawee United Way, member of the ATHENA Lenawee Council, Adrian Schools Educational Foundation Board of Trustees, a member of the Adrian Alumni Association Board and a member of The Croswell Capital Campaign Cabinet.

Anna and Ashley join Chris Clarke, Vice President – Commercial Loans, along with a small group of tellers and new account representatives to make up the staff of the Adrian office. Construction on the building at 1380 South Main Street is well underway and is scheduled to be completed before the end of June. The new, fully renovated office will be open for business in July. Stay tuned for our Grand Opening announcement! 

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Hillsdale Arts Chorale: Afternoon with Gershwin

May 15, 2016 | Return to the CNB Homepage

The Hillsdale Arts Chorale will present its final concert of the season on Sunday, May 15 at 3:00 p.m. at the Hillsdale United Brethren Church. An Afternoon with George Gershwin will feature favorites from this iconic American composer and pianist.

Note the new location!! - Hillsdale United Brethren Church

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Hillsdale College Symphony Orchestra

May 12, 2016 | Return to the CNB Homepage

The Markel Auditorium on Hillsdale College Campus.

Ticket reservations required.

FREE GENERAL ADMISSION
All performances are free general admission, including all ticketed events. Tickets not claimed ten minutes prior to the performance will be released to waiting patrons.

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Ella’s Patio Party

May 12, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Tommy Foster

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Spring Arbor University: Leadercast

May 06, 2016 | Return to the CNB Homepage

Tickets: $60

Visionary leaders have the ability to see a preferred future, operate in the present, and utilize the resources around them to design a clear path to a new destination. They work tirelessly to empower those around them to bring a vision to life.

Architects of Tomorrow imagine a future that is rich and full of hope. A future where problems are solved, questions are answered, confusion gives way to clarity.

In its simplest form, leadership is casting a compelling vision and mobilizing those around you to help you fulfill that vision. That is the role of Vision Architects… they design the path, they clarify the direction, and they lead their team toward that preferred future with little deviation.

Today is better because of the visionary leaders of yesterday, and the future will be brighter because of the Architects of Tomorrow.

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Hillsdale Community Wind Symphony

May 06, 2016 | Return to the CNB Homepage

At Markel Auditorium at Hillsdale College.

Free General Admission.

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JSO: Black Lillies at The Wax

May 06, 2016 | Return to the CNB Homepage

The Black Lillies are a band for the ages: rich, rootsy tunes performed with as much heart as technical virtuosity. If you ask them, they’ll tell you they play “Tennessee music” – combining strains of swampy Memphis soul and blues with Nashville’s classic country and East Tennessee’s traditional Appalachian style – while Rolling Stone describes it as “country music with a soul-rock infusion, supported by bandleader Cruz Contreras’ smart songwriting and tight musicianship.” Either way, it’s music that stirs your soul, touches your heart and makes you want to dance.

 

The Wax, 215 W Michigan Ave
Jackson, MI

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Ella’s Patio Party

May 05, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

Musical Guest: Kevin Nichols

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Hanover-Horton Color Run

May 01, 2016 | Return to the CNB Homepage

Hanover-Horton PTA is hosting a 5k color run/fun run to raise funds to update technology throughout the district.

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The Sauk: Festival of One Acts

May 01, 2016 | Return to the CNB Homepage

An evening of short plays by various authors. Performances at Phillips Auditorium inside Hillsdale College's Searle Center.

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Posts from April 2016

Celebrate the “Arbor” in Arboretum

April 30, 2016 | Return to the CNB Homepage

Trees take center stage on Saturday, April 30th, 2016 from 1:00pm - 3:00pm at the Slayton Arboretum at Hillsdale College. Take a self-guided tree hike, learn how to plant a tree properly, play some tree games and take home a free seedling to plant. Program will begin at the Arb entrance on Barber Drive. Free Event!

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Jackson Symphony Orchestra: Pathetique

April 30, 2016 | Return to the CNB Homepage

At the Potter Center

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The Sauk: Festival of One Acts

April 30, 2016 | Return to the CNB Homepage

An evening of short plays by various authors. Performances at Phillips Auditorium inside Hillsdale College's Searle Center.

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JSO Affinity Series: Red Tail Ring

April 29, 2016 | Return to the CNB Homepage

The Affinity Concert Series at the Franke Center for the Arts in Marshall, Michigan continues on Friday, April 29 with the highly acclaimed duo Red Tail Ring. Tickets are $14 in advance, $16 at the door, and students are half price. RED TAIL RING is the musical brainchild of two old-time-minded Michiganders – Michael Beauchamp and Laurel Premo.

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The Sauk: Festival of One Acts

April 29, 2016 | Return to the CNB Homepage

An evening of short plays by various authors. Performances at Phillips Auditorium inside Hillsdale College's Searle Center.

» Read more

Ella’s Patio Party

April 28, 2016 | Return to the CNB Homepage

Join us at Ella Sharp Museum Thursday evenings on the Granary Patio for live music, drinks, a snack, and the opportunity to wander the galleries and our sculpture-filled grounds. The party is on, rain or shine.

» Read more

The Sauk: Festival of One Acts

April 28, 2016 | Return to the CNB Homepage

An evening of short plays by various authors. Performances at Phillips Auditorium inside Hillsdale College's Searle Center.

» Read more

Hillsdale Art Around Town

April 28, 2016 | Return to the CNB Homepage

Around 15-20 artists will display their talents in local downtown businesses with drinks and finger food for visitors to each business.

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How to Teach Kids about Saving

April 28, 2016 | Return to the CNB Homepage

Money in a Jar

By Kelly Jenson, Vice President - Branch Administration

Teaching children to save at an early age will help them to understand financial responsibility.  So, the "big" question is how?  Many different methods have been used over the years.  I remember as a child growing up, I watched my parents use the "envelope" system.  Creating different envelopes for different parts of their household budget was easy for them to work with as it helped them to track their spending and savings.  As a child I created a similar method in which I would have a piggy bank at home to put my "spending" dollars, to spend on whatever I wanted to do.  However, I also opened a savings account at our local bank so that I could deposit money that was being saved for either something "special" to buy or simply saving for the future.  By putting those savings dollars in my bank account, it prevented me from just spending those dollars on meaningless things. 

Coin banks or jars
Through my personal experience as a child, as a parent and now seeing my grandchildren using their piggy banks to save their coins and dollar bills, it is never too early to talk about money with your children.  Using one piggy bank or creating a 3-jar system in which one jar is for "spending", the 2nd jar is for "savings" and the 3rd jar is for "giving" are great ways to show your children the importance of establishing a saving plan. 

Involve kids in the budget
Another idea is to include your children in the family budget and shopping.  I learned a lot about money and spending by watching my parents budgeting their dollars, understanding that money is part of our everyday lives and it is important to spend those dollars wisely.

Give kids responsibility
What happens when our children come up short on wanting to purchase something?  It would be easy to give in to them and provide them the money to make the purchase now rather than making them wait.   I have learned over the years that when we require our kids to save their own money so they can afford to make the purchase, it becomes more meaningful. 

Be a good example
And last, we need to be a good example to our children.  Do we have that savings plan and savings account?  Do we wait to make that purchase until we can afford it?  Discipline on our part will play a vital part for our children in learning and understanding financial responsibility. 

So, no matter what age, a savings account is a great benefit and will begin to teach your children the importance of saving for the future.  If you do not have a savings account(s) for your children, stop by any County National Bank branch office and talk with one of our New Account Representatives.  We want to be part of your family’s financial future.

 

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Bankers Saving Babies

April 28, 2016 | Return to the CNB Homepage

Group photo of people from CNB

Every year in the United States, more than half a million babies are born too soon – 15,340 of them right here in Michigan1. Premature birth is the most urgent infant health problem today in the U.S. This issue is near and dear to the hearts of many CNB employees, so when the call went out to create a team to march with the March of Dimes in Jackson, the CNB team grew to over 30 participants.

Beverly Holmes-Carpenter, Customer Service Representative at the Horton Road Branch, volunteered to be captain of the CNB Team. “As team captain my job was made very easy due to the support that was given!” Bev said. With her encouragement and involvement from all across the bank, the CNB team raised $690.00 to help the cause. The motto chosen by the team and emblazoned on the t-shirts that each team member wore at the event was “Bankers Saving Babies.”

The March for Babies walk, which is an annual event, takes place at the Ella Sharp Park. The 4-mile walk happened on the sunny Sunday afternoon of April 24th. Bev said, “The day was beautiful. Bill Jors (Mayor of Jackson and Vice President – Business Development & Commercial Loans at CNB) kicked off the event by officially pronouncing April 24th as the Jackson March of Dimes Day. It was really cool to have the Mayor on our team.”

The March of Dimes is the leading nonprofit organization for pregnancy and baby health. With chapters nationwide and its premier event, March for Babies, the March of Dimes works to improve the health of babies by preventing birth defects, premature birth and infant mortality. In addition to prematurity and healthy babies, March of Dimes supports research for approximately 130 other diseases and birth defects which afflict our babies and children. These include diabetes and kidney diseases among many others.

1. http://www.marchofdimes.org/michigan/  

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The Psychology of Spending

April 28, 2016 | Return to the CNB Homepage

Person Holding Money

Have you ever gone shopping with the intention of purchasing one new pair of shoes and ended up with two new pairs along with two new outfits?  Retailers may love you, but if your overspending becomes a habit, the consequences can be damaging.  Psychologists have found that there are several forces that govern our spending behavior and cause us to make decisions that may not be in our best interest.  Understanding why we buy what we buy can help us to make better decisions in the future.

Why is it important to make smart shopping decisions?  Many people use their credit cards or store cards for their purchases and if you charge too much and don’t pay the balance in full each month, you could wind up with debt that takes years to pay off and costs thousands of dollars in interest charges.  Even if you don’t get into debt, overspending can take away from important savings goals like a down payment for a house, college, or retirement.  According to BalanceTrack.org, there are several factors that affect our spending – here is a quick summary of those factors:

The role of advertising.  Advertisers know how to play into decision-making that’s influenced by unconscious thought.  Emotional appeals commonly used in advertising include the desire for health and well-being, the desire to look our best and be appealing to others, the fear of physical harm and financial loss, enhancement of our self-esteem, the desire to have a perfect, happy home, financial gain, and the desire to be loved.  The challenge is to recognize the emotional appeals being made in most ads and minimize them so you can rationally judge the true value of what is being sold. 

Keeping up with the Joneses.  Society in part defines success by what we look like and what we own.  It’s not surprising that some people are tempted to buy things that make them appear to be well-off.  Remember the argument from teenagers – “everyone else has one.”  Even as adults we haven’t completely outgrown this line of reasoning.  You see your neighbors, coworkers, or friends with nice cars and clothing, and you want that too.  Wanting nice things is understandable, but you can’t win if you try to keep up with the Joneses.  There is nothing wrong with spending money on vacations and dining out; the key is to be conscious of your financial situation.  Don’t spend $500 on shoes if you need the money for rent. 

Impulse buying.  Like the scenario at the beginning of this article – you intended to get a new pair of shoes and ended up with two pairs and two outfits.  What happened?  Impulse buying is the Achilles heel of the responsible shopper.  You know you shouldn’t do it, but finding something you like and buying it is exciting.  Stores encourage it – what do you see at the checkout lanes at the grocery store?  Magazines, pop, and candy – perfect impulse items.  Malls, with their winding architecture, benches, and food courts, are designed to keep you (shoppers) there as long as possible.  Research shows that the longer you’re in a store, the more likely you’ll be to make impulse purchases.  You can combat the urge by being a focused shopper with a shopping list. 

Retail therapy.  Have you ever felt down and decided to cheer yourself up by going shopping?  Many people engage in retail therapy.  Research shows that shopping does increase the level of chemicals in the brain that regulate happiness.  However, that happiness is usually short-lived and the problems that may develop from overspending can cause guilt and stress.  Resist the urge to shop when you’re feeling depressed.  Engage in mood-boosting activities that are free, like exercising, taking a bubble bath, or talking to a friend. 

I’ll worry about tomorrow tomorrow.  People tend to focus more on today than tomorrow.  We often put immediate desires ahead of future important needs.  It can be hard to save for things that are far-off, like retirement.  We tell ourselves that we can always start doing it tomorrow.  But tomorrow comes, and you tell yourself the same thing.  As a result, many people don’t save enough to meet their goals.  Make a concerted effort to place savings in the forefront now.  If you can, have some of your paycheck directly deposited into your savings account.  If you don’t see it, you won’t miss it!  Be a conscious consumer and spend your money with the same care that you took to earn it – that way you can enjoy without suffering from the post-shopping blues.

 

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Hillsdale College: Choir and Chamber Choir Concert

April 24, 2016 | Return to the CNB Homepage

At College Baptist Church

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Jackson School of Arts: Fairy Festival

April 24, 2016 | Return to the CNB Homepage

Location: 634 N. Mechanic St. off Ganson
Parking: on Mechanic Street and in the Great Lakes Caring parking lot

This 2 day festival includes arts & crafts activities, shopping in Ye Ole Fairy Shoppe, an arts and crafts show with 20 vendors, the Cupcake Cafe, a Fairy Garden Contest, Tea with Miss Jackson County Crossroads, Stories in the Forest with JDL, carriage rides, dancing fairies and performances by the Fairy Festival Players. Walk through the Fairy Kingdom and explore the dark mountain. Meet a Knight and a Mermaid! This event is free. Some activities have a nominal fee from $1-5.

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Jackson School Of Arts: Fairy Festival

April 23, 2016 | Return to the CNB Homepage

Location: 634 N. Mechanic St. off Ganson
Parking: on Mechanic Street and in the Great Lakes Caring parking lot

This 2 day festival includes arts & crafts activities, shopping in Ye Ole Fairy Shoppe, an arts and crafts show with 20 vendors, the Cupcake Cafe, a Fairy Garden Contest, Tea with Miss Jackson County Crossroads, Stories in the Forest with JDL, carriage rides, dancing fairies and performances by the Fairy Festival Players. Walk through the Fairy Kingdom and explore the dark mountain. Meet a Knight and a Mermaid! This event is free. Some activities have a nominal fee from $1-5.

» Read more

April Events

April 01, 2016 | Return to the CNB Homepage

Looking for something to do around town? Here are some events happening in the next month that County National Bank might be at, too!

Hillsdale County
Mar 31-Apr 3  The Sauk Production: All I Need To Know I Learned In Kindergarten (performances at Phillips Auditorium at Hillsdale College)
Apr 1  Hillsdale College: The Hillcats Faculty Jazz Concert
Apr 6  Toasted Mud @ Broad St. Underground: Toast to Canvas
Apr 9  Hillsdale College: Percussion Ensemble
Apr 15-16  Hillsdale College Big Band Concert
Apr 16  Toasted Mud: Toast to Canvas
Apr 24  Hillsdale College: Choir & Chamber Choir Concert
Apr 24  Hillsdale College: Faculty Woodwind Quintet
Apr 28-May 1  The Sauk Production: A Festival of One Acts

Jackson County
Apr 1-3  Home Builders Association of Jackson Home Expo, Jackson Fairgrounds
Apr 2  Michigan Shakespeare Featival @ JSO Weatherwax: Eve of Ides
Apr 7, 14 Ella Sharp: Studio 21 (Wine and Canvas)
Apr 15  Potter Center: Kansas
Apr 16  Jackson Symphony Orchestra: Ralph Votapek
Apr 16  Spring Arbor University: Women In Leadership Conference
Apr 21  Ella Sharp: Ella’s Patio Party – Tucker & Lons
Apr 23  JSO Affinity Series: Fort Frances
Apr 23-24  Jackson School of Arts: Fairy Festival
Apr 28  Ella Sharp: Ella’s Patio Party – Jeff & JD

» Read more

Posts from March 2016

The PIN is Mightier than the Signature

March 29, 2016 | Return to the CNB Homepage

Card Input Machine

By now, most of us are aware of the seismic shift that is happening in the card payment world with the introduction of EMV chip cards. Because of the complexity around this change, it is scheduled to take several years to change the landscape in the United States to adapt to the new technology. You’ve probably already seen payment terminals at the grocery store with EMV technology, and you may already have a credit card with a chip in it. County National Bank is excited to announce that we are well on our way to transition all our debit cards to EMV chip cards beginning later this summer!

The United States is late to the EMV party compared to our worldwide neighbors. Europe transitioned to EMV technology beginning in 2004, Canada started the shift in 2011. South American countries began adoption over 8 years ago. So what’s the big deal about changing to this new technology? According to the Financial Fraud Action UK1, since the implementation of chip-and-PIN EMV cards in 2004, face-to-face card fraud has declined by at least 70%! That’s huge!

One of the keys for the improved security of this new technology is the simple, yet mighty PIN number. In connection with the new technology, using a PIN number during the transaction adds a level of security that is extremely difficult to crack. Did you know even with current magnetic strip debit cards, using a PIN for verification (rather than a signature) increases the security of the transaction by 5-7 times? The instances of fraud using a PIN number are extremely low. PIN debit transactions offer an additional and superior layer of authentication not offered through signature-based transactions.

Because the U.S. is late to the EMV party, our old technology opens us to increased vulnerability for fraudsters around the world. In 2014, the United States accounted for nearly 50% of global card fraud, but we generated just over 20% of global payment volume2. The employees at County National Bank keep a vigilant watch on general trends and local trends in fraudulent activity to take whatever precautions we can to keep your money safe. With the spring and summer travel season upon us, we are keeping an extra careful watch. Occasionally when we see a state or area that is experiencing a greater threat, we may restrict the signature-based transactions in that area to help keep our customers safe. However, because of the superior security of PIN-based transactions, that method of payment is almost never restricted.

As you make your travel plans for this spring and summer, remember, the PIN is mightier than the signature. We will continue to do what we can to protect your money, but if you require a change in the security restrictions on your account due to travel, please call our customer service toll free at 888-322-1088.


1. http://blog.unibulmerchantservices.com/using-a-pin-at-the-checkout-reduces-debit-card-fraud-by-a-factor-of-5-5/
2. http://www.businesswire.com/news/home/20150804007054/en/Global-Card-Fraud-Losses-Reach-16.31-Billion

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What is Private Mortgage Insurance?

March 23, 2016 | Return to the CNB Homepage

Confused girl holding money

By Brenda Carpenter, Assistant Vice President – Mortgage Loans

What is Private Mortgage Insurance? Why do I have to have it? These are common questions when someone is looking for a mortgage, especially from first-time homebuyers, and it can be confusing. Before the creation of Private Mortgage Insurance (PMI), when you wanted to purchase a home, you were required to have a down payment equal to at least 20% of the cost of the home. This limited a lot of people from being able to afford a mortgage. Today if you have less than 20% down or 20% equity in your home, there are multiple home financing options available, but you will be required to purchase PMI. 

In simplest terms, PMI insurance protects the lender if the homeowner is unable to pay their mortgage payment.  PMI opened the doors for homeownership for many potential buyers. The cost of PMI varies based on your loan-to-value ratio and credit score. You will have to pay PMI until you have built up more than 20% equity in your home. If the homeowner is current on their mortgage payments, PMI will automatically terminate on the date when the principal balance is scheduled to reach 78% of the original value of their home. That date will be given to you in writing on the PMI disclosure form when you get your mortgage. You can request that your lender cancel your PMI if you’ve made additional payments or if rising home values have increased your home equity to more than 20%. Your request must be in writing and meet additional criteria that your lender specifies.

PMI is no doubt an added cost, but it enables you to buy now and begin building equity instead of waiting additional years to build enough savings for a 20% down payment.  It’s also probably not in your best interest to put a 20% down payment on a home if doing so will deplete all of your savings and leave you with no financial cushion. 

Please give County National Bank a call if you have any questions regarding purchasing or refinancing a mortgage loan.  We love to help our customers!

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5 Tips for Traveling Safely With Money

March 23, 2016 | Return to the CNB Homepage

Tourists

Spring Break and Summer tourist destinations are ripe opportunities for thieves and pickpockets. If you are traveling, consider these tips to help keep your money and identity safe.

  • Make a copy of key documents. This is especially important if you are traveling internationally. Make a copy of your passport, car rental voucher, itinerary, anything that would cause you considerable trouble if it went missing. Bring a copy with you and, if needed, leave a copy with loved ones who you would be able to contact in a pinch.
  • Anticipate luggage complications. Lost, damaged or delayed luggage is more common than airlines would like to admit. To avoid the hassle of being stuck without necessities, keep your cash, cards and medicine with you rather than in your luggage.
  • Keep your cash safe. If you’re carrying cash in a tourist hot spot, keep it safely tucked away, preferably in a money pouch or money belt concealed under your clothing. Pickpockets are experts at slyly getting in purses or pockets, especially when the crowds are thick. Also, don’t carry your entire vacation allotment of cash with you. Leave some securely stored in your hotel or other safe place so if a bad situation happens, you won’t be left high and dry.
  • Never leave bags unattended. Better yet, stay in physical contact with bags or purses when you are in public on vacation. On the bus, keep bags in your lap. At restaurants, loop the strap around your arm or leg or the leg of a chair. Simple precautions like this can dissuade thieves from separating your valuables from you.
  • Swipe cautiously. It’s best to only swipe your credit and debit cards at retail locations that you trust or are familiar with. With the significant increase in card skimmers and other fraud devices, card information can be stolen simply by swiping your card at the wrong place. Be wary of ATM machines that are not closely monitored or not connected to a financial institution. It’s easier for thieves to install skimmers, fake keypads or hidden cameras in ATMS that are out in the open.

If you plan on using your CNB Debit Card outside of Michigan, we encourage you to use PIN-based transactions when possible, for security. If you have any questions, please call our helpful customer service representatives at 888-322-1088.

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