MESSAGE FROM OUR PRESIDENT Keeping your financial security at the forefront
Greetings, What makes 1st National Bank different from any other bank? The answer is simple, it’s our people. And no, not just our staff, but our clients too. We believe we serve the best people in our communities. We do not take lightly the trust that our clients put in us. Every day we keep their financial security at the forefront of everything we do and we WOW them at every turn. 1st National Bank has been a federally chartered financial institution since 1876. Our asset size is $350 million and our capital levels are considered very strong. We will be here for at least another 160 years. Banking with us means you become a vital part of the growth and prosperity in your local economy. Together, we fuel progress in the neighborhoods where you live and work. Your money in turn supports individuals and small businesses that you know. We always provide the ultimate client experience while fulfilling the dreams of people, businesses, and communities through innovative financial solutions. We are committed to our communities by giving back through taxes, volunteer hours, sponsorships, and donations. Just last year, our team gave over 6,000 hours to benefit more than 300 organizations and dozens of communities. Your trust and faith in us is priceless. If you have questions, comments, or concerns, please don’t hesitate to email or call me directly.
Sincerely,
Tom L. Jensen | President and CEO 855.876.1500 | tjensen@firstnationalbanks.biz
OUR HISTORY Our roots are 138 years deep.
1876 1st National Bank was chartered Sept. 15, 1876, as a private banking house under the name of Sacket, Fitch & Company in an old wooden building, currently occupied by 1st National Investment Services in Berlin, WI.
1897 Half of the block that included the bank's rented quarters was destroyed by a fire. Following the fire, the corporation purchased the Huron Street and Fox Alley location in Berlin and erected the present brick structure.
1st National Bank is proud to be the second oldest chartered bank in all of Wisconsin, with nine community-driven locations. While area residents celebrate 1st National Bank’s legacy and constant growth, we are focused on maintaining excellent client service, providing community support, and focusing on local businesses. Over the last 10 years, 1st National Bank has
1914 1st National Bank became a member of the U.S. Federal Reserve Association. Growing business required facility enlargement. An addition was built, the vault remodeled and new marble and mahogany fixtures installed.
expanded its geographic footprint from its main location in Berlin,
1929
to a total of nine locations throughout Central Wisconsin.
Controlling stock in the bank was acquired by Wisconsin Bank Shared Group and was operating as one of their subsidiaries until May 1, 1943, when wholly local ownership was reestablished.
1976
1998
2004
2009
The processing of checks and deposits on computers began. The service improved efficiencies with the ever-increasing number of accounts.
The Poy Sippi, WI financial center opened in October.
The Winneconne, WI financial center opened in May.
1st National Bank launched a new website.
The bank had more than $75 million and $10 million in assets and capital respectively.
1st Online Internet Banking and Online bill pay were introduced.
2010
2000 The Green Lake, WI financial center opened in April.
2006 Happy 130th Birthday 1st National Bank! Thomas Jensen succeeded Russel Kuehn as president.
1982
1st National Bank was chartered in Waunakee, WI.
The first drive-up teller window was opened.
eStatements were introduced.
1st National Bank celebrated 10 years of service in the Green Lake community. Enhanced Online Bill Pay was launched in October.
2011 1st National Bank celebrated 10 years of service in the Montello community.
1991
2001
2007
2012
The bank formed a one-bank holding company, First Berlin Bankcorp, which positioned the bank to remain independent.
The Montello, WI financial center opened in May.
A focus was placed on business banking and treasury management services. EZdeposit™, a remote deposit processing service for businesses was introduced.
The Omro and Westfield branches celebrated 10 years of service in their communities.
Russel Kuehn succeeded Mr. Thomas Ries as president.
1992
2008
Two additional drive-up teller units were opened and the entire exterior of the bank was refurbished in original style.
1994 The bank had more than $57 million in assets and was serving more than 4,200 clients.
The Waunakee, WI financial center celebrated its grand opening in October.
2002 The Westfield, WI financial center opened in April. The Omro, WI financial center opened in October.
1st National Business Banking Center opened in the historic Berlin, WI train Depot building. Mobile banking and a new suite of consumer checking accounts were introduced.
2013 1st National Bank acquires personal deposits from the Poy Sippi and Berlin Baylake Bank locations.
EXECUTIVE TEAM A global perspective with the care you expect.
Together, our executive management team has over 80 years of banking experience. Each of them has a specialized focus— business, retail, and of course financial.
When they come together, they apply a global perspective to all of 1st National Bank’s products and services.
You can trust this team to forecast the future and meet it with the expert care you expect.
TOM JENSEN
ERIC CERBINS
WENDY SEAMAN
President and CEO
Business Banking Executive Leader
Personal Banking Executive Leader
855.876.1500 tjensen@firstnationalbanks.biz
855.876.1500 ecerbins@firstnationalbanks.biz
855.876.1500 wseaman@firstnationalbanks.biz
Tom began his career at 1st National Bank in 2005, serving as President and CEO since April 2006. Working in the banking industry for about 30 years, his passion for people is evident. He mentors our team to push the limits and offer products and services that our communities may not have seen before.
Eric has been working in the financial services industry for 35 years, with 32 of them in business banking. He joined 1st National Bank in 2005 and is our Business Banking Executive Team Leader. His philosophy is that we are there to assist businesses with their banking and financial needs, allowing the owners to focus on operating their business.
Wendy has 24 years of banking experience, with over 20 years at 1st National Bank. For the past 17 years, she has been in a leadership position. Her primary focus is on the retail side of banking, ensuring we are providing innovative products and services for our clients.
Prior to working at 1st National Bank, Tom served as a National Bank Examiner with the Office of the Comptroller of the Currency (OCC), and he has also worked in banking in the state of Georgia and Green Bay, WI. He graduated from Beloit College in 1986. Tom grew up in West Bend, WI, and currently resides in Berlin. Truly committed to our communities, Tom is a volunteer firefighter. He also is a board member for the Boys and Girls Club and serves on the Berlin Water and Sewer Commission. Previously, he’s been a volunteer firefighter in other communities and has been a member of church committees.
Eric graduated from UW-Madison in 1978 and the Graduate School of Banking in 1991. He grew up in Monroe, WI, and has lived in many small communities. Currently, he resides in Berlin. Actively involved in our communities, Eric serves as treasurer for the Berlin Rotary organization and is a board member for Building Our Leaders of Tomorrow (BOLT).
Wendy holds an Associate’s Degree in Banking & Finance from Fox Valley Technical College. She also attended the Graduate School of Banking. Volunteering is one of Wendy’s passions. She currently serves as Treasurer for the Green Lake County Area United Fund. She is also a board member for the CHN Foundation, chair of the Development and Planned Giving Committees, member of other CHN Foundation committees, and volunteers regularly at community events.
YOUR BANKER Individualized attention for the ultimate client experience.
Greg joined 1st National Bank as a Business Banking Relationship Manager in 2010, currently building relationships with business clients in the Green Bay and Fox Valley areas. He enjoys working with business owners to find creative solutions to their banking needs.
Greg brings 25 years of lending experience to his role. He graduated from the University of Wisconsin-Whitewater with a Bachelor’s of Business Administration degree. Greg also earned a Master’s Degree from the University of Wisconsin-Madison.
Outside of work, Greg enjoys spending time with his wife and three children. He also enjoys volunteering for organizations such as the Boy Scouts of America and the Bay Area Humane Society. GREG LUNDBERG Business Banking Relationship Manager 920.360.5990 glundberg@firstnationalbanks.biz
YOUR BANKER Individualized attention for the ultimate client experience.
As leader of the Treasury Management Team, Nicole specializes in Government Banking relationship management. With over 20 years of experience in the banking industry, Nicole’s depth of knowledge allows her to maximize cash flow needs and improve efficiencies for her clients.
She received a Bachelor’s Degree in Business Administration from Lakeland College. Continuing education is a priority for Nicole; she has completed additional industry courses and certifications. She brings a wealth of knowledge to keep up with today’s savvy business needs.
Outside of work, Nicole enjoys spending time with her friends and family, including her two children. In the community, she is a volunteer for Junior Achievement, Teach Children to Save, and Get Smart About Credit. She also volunteers as Team NICOLE WELCH Treasury Management Leader 920.896.1102 nwelch@firstnationalbanks.biz
Mom for the Duck Creek Pop Warner Football Team and at the Howard-Suamico Giving Tree Pantry.
YOUR BANKER Individualized attention for the ultimate client experience.
Dave has been working in the banking industry since 1993. He joined 1st National Bank as a Business Banking Relationship Manager in 2012, currently building relationships and helping clients meet their goals. Prior to that, he worked at the First National Bank of Portage (later acquired by Associated Bank) and was Vice President of Business Banking at Park Bank.
Dave graduated from the University of Wisconsin-Madison, with a Bachelor’s Degree in Finance, Investments, and Banking.
Currently living in DeForest, Dave is married with two sons. He enjoys spending time with his family and participating in outdoor and athletic activities. He also enjoys cooking and grilling. DAVE MILLS Business Relationship Manager 608.228.2149 dmills@firstnationalbanks.biz
Actively involved in the community, Dave is a DeForest Area Rotary member. He also delivers Meals on Wheels for the DeForest Area Community Center, coaches youth athletics, and volunteers at DeForest and Waunakee Chamber functions.
YOUR BANKER Individualized attention for the ultimate client experience.
John joined 1st National Bank in 2014, bringing over 30 years of banking experience. For almost 20 years, he has focused on commercial lending and client relationship management. As a Business Banking Relationship manager, John will be primarily serving the Green Bay and Fox Valley areas, assisting area businesses with their financial needs.
He received his Bachelor’s Degree from Marquette University and his Master’s Degree from Northern Michigan University.
Born and raised in Michigan, John has lived in Green Bay for over 15 years. He currently serves on the Board of Directors for The big Brothers Big Sisters of Northeastern Wisconsin. He also volunteers at local marathons, Teach Kids to Save and Get Smart About Credit events, and Taste on Broadway.
JOHN WALCH Business Relationship Manager 920.572.5887 jwalch@firstnationalbanks.biz
YOUR BANKER Individualized attention for the ultimate client experience.
Backed by over 40 years of experience at 1st National Bank, Terry has an extensive background in the banking industry. He joined 1st National Bank in 1970 in operations, transitioned to a teller, followed by a loan officer, and then to his current position as a Business Banking Relationship Manager. Primarily serving the Berlin and Poy Sippi communities, Terry enjoys helping clients make their dreams come true.
Outside of work, Terry volunteers for Poy Sippi events and organizations. He is very active in his church, helps audit endof-year books for organizations, and assists with the Poy Sippi Antique Tractor and Car Show as well as the Poy Sippi Chicken BBQs.
TERRY LIPPERT Business Relationship Manager 920.290.4316 tlippert@firstnationalbanks.biz
YOUR BANKER Individualized attention for the ultimate client experience.
Backed by 35 years of lending experience, Wayne helps clients achieve their dreams. He’s been working with 1st National Bank clients for over 13 years.
Born and raised on a dairy farm in rural Montello, Wayne pursued a degree in Agricultural Economics from the University of Wisconsin-Madison. He is also a graduate of the Graduate School of Banking.
Outside of work, he enjoys spending time with his wife, children and grandchildren. He is involved with community organizations, serving as treasurer of Emmanuel Lutheran Church, the Montello/Westfield FFA Alumni, and the Marquette County Economic Development Council.
WAYNE STELTER Business Relationship Manager 920.290.4308 wstelter@firstnationalbanks.biz
YOUR BANKER Individualized attention for the ultimate client experience.
Mike has been in the banking industry for 17 years. He joined 1st National Bank as a Business Banking Relationship Manager in 2005, currently working with business clients in the Omro, Winneconne, and Green Lake communities. He received his Bachelor’s Degree in Finance from the University of WisconsinOshkosh.
An active member in the community, Mike has a passion for helping the area youth. He is a member of various foundation boards laying groundwork for years to come. He is currently on the board for the Winneconne Area Community Foundation, the Omro Athletic Foundation, the Omro Area Community Center, the Wisconsin Family Business Form, and he is also a Collaborative Partner for the Winneconne School Board.
MIKE VAUGHAN Business Relationship Manager 920.789.8514 mvaughan@firstnationalbanks.biz
YOUR BANKER Individualized attention for the ultimate client experience.
Nicholas has joined 1st National Bank as a Business Banking Relationship Manager to further develop our growing business banking opportunities in Waunakee, WI, and the surrounding markets. Area businesses can collaborate with Nicholas to determine appropriate financial products and services that will best meet their needs.
With a background in Economics, including Urban and Rural Economic Development, Nicholas has extensive experience in business and lending. He spent that last four years working at Wisconsin Business Development, assisting small businesses obtaining SBA financing.
NICK VANDERVELDE Business Relationship Manager 920.779.6624 nvandervelde@firstnationalbanks.biz
TREASURY MANAGEMENT SOLUTIONS Add efficiency and accuracy to your account management.
™ ONLINE EZDEPOSIT CASH MANAGEMENT
Save money and waste less time on repetitive tasks Reduce unnecessary trips with our convenient cash to the bank by bringing management solutions. Dithe bank to you. Rather rect deposit of payroll, wire than tying up your staff transfers, ACH transactions, for every check deposit, and more—all without leavmake deposits directly ing your desk. from your office.
YOUR TREASURY MANAGEMENT TEAM NICOLE WELCH | Treasury Management Leader 920.896.1102, nwelch@firstnationalbanks.biz As leader of the Treasury Management Team, Nicole specializes Government Banking relationship management. With over 20 years of experience in the banking industry, Nicole’s depth of knowledge allows her to maximize cash flow needs and improve efficiencies for her clients. AMY VETRONE | Treasury Management Specialist 920.290.5285, avetrone@firstnationalbanks.biz Amy has experience in a multitude of banking areas - specializing in Treasury Management. You will find Amy in the field, helping clients understand and use our business services. KATIE PRELLWITZ | Treasury Management Support 920.354.4076, kprellwitz@firstnationalbanks.biz Katie works diligently behind the scenes to support the entire Treasury Management team and their clients. Always a call or click away, Katie can help expedite your needs.
Streamline record keeping Turn paper checks into — even reduce unnoticed digital check images, inhuman errors — all of creasing accuracy in record which adds efficiency to keeping, while your business day and a also streamlining the boost to your bottom line. availability of funds. Add efficiency and cut down costs—all • 24/7oncontrol overpossible your with a 1st National company finances Bank EZdeposit scanner. • Cut down on repetition; save time and reduce • Deposit 24/7, errors inchecks accounting directly from your office • Streamline • Expedite cash flow and record keeping funds availability • Have anytime control • of Reduction of trips to the comprehensive bank and the need for information multiple banking rela• Direct deposit of tionships employee payroll • Less time spent • Saves anywhere from preparing documents $2.87 to $3.15 over pay• Fewer errors in checks ment with paper accounting, reducing • Complete wire transfers human error and ACH transactions • Enhanced security and • Make loan payments fraud protection • View copies of checks • Consolidate deposits and deposit tickets from multiple locations • Make payments • Automated transaction electronically validation and balancing side to set payment you up • Automatic for successwith collection Direct Payment • Dedicated implementation specialist by your side to set you up for success
ACH & WIRE SERVICES
ACH BLOCKS & FILTERS
ONLINE BANKING
SWEEP: AUTOMATED LINE OF CREDIT
DUAL SWEEP: INVESTMENT & LINE OF CREDIT
Make, collect, and process payments—all without ever leaving your office! With 1st National Bank ACH and Wire services, you can cut down on administrative tasks, taking back valuable time in your day.
ACH blocks are the simplest of all products to use. They allow companies to notify their banks that ACH debits should not be allowed on certain accounts. With a block in place, no ACH debit, even one that is authorized, will be able to get through on a given account. Everyone is advised to put blocks in place on all accounts where ACH activity is not likely to be used.
Transform your computer into a virtual banking branch. Check account balances, transfer funds between accounts, and pay bills—all available aroundthe-clock at the simple click of a mouse.
Optimize the use of your organization’s funds by automatically paying down your line of credit over a predetermined target balance. On a daily basis, the sweep automatically transfers excess collected funds to perform a principal reduction of your line of credit. The exact total of checks and other disbursements is swept back to your checking account as necessary. The sweep creates an efficient method of managing your organization’s credit and cash needs.
Optimize the use of your organization’s funds by automatically investing funds and paying down your line of credit above a predetermined target balance. The sweep creates an efficient method of managing your organization’s credit and investment needs.
Send and receive payments from outside vendors with greater efficiency and accuracy. Pay your employees electronically. Enjoy accessing these time and money saving services through online banking. • Make and receive vendor payments 24/7, electronically • Efficient and accurate processing • Integrated with your checking for an accurate account of your balance • Direct deposit of employee payroll • Bill customers directly for an expedited process • Streamline record keeping • Fewer errors in accounting, reducing human error • Eliminates waste and expense of paper checks for success
An ACH filter allows businesses to give 1st National Bank a list of companies authorized to debit their accounts. The bank will then “filter” incoming debits and allow through only those that are on the list submitted. • Prevent unwanted ACH activity on specific accounts • Preauthorize your trusted vendors
Your time is extremely valuable. Create more of it with this convenient, timesaving service. • Fast, free, secure • Available anywhere with internet access
FRAUD PREVENTION Advanced check fraud protection that safeguards your business—a front line defense against abuse of business funds. Every check you originate is automatically compared to a list of previously authorized checks. If any discrepancies are detected, you are immediately notified and payment is held, pending your review. • Catch fraudulent items before the money leaves your account • Protect your company’s assets from check fraud • Imperfect matches flagged before payment • Mismatched checks not paid, unless authorized by you as an exception • Timely check return deadlines for success
SWEEP: REPURCHASE INVESTMENT Optimizes the use of your business’ funds by automatically investing any funds above your target balance/limit. The “sweep” transfers excess collected funds on a daily basis to your Repurchase Account. The exact total of checks and other disbursements is swept back to your checking account as necessary. A primary benefit of the sweep is that it occurs automatically on a daily basis, investing excess funds, which could otherwise lie idle in your business’ checking account. The short-term nature of the Repurchase Sweep allows your company to maintain liquidity, while simultaneously earning investment income.
On a daily basis, the sweep automatically transfers excess collected funds to perform a principal reduction of your line of credit. Once the line of credit has been paid in full, the excess funds are transferred to a repurchase investment account. Conversely, as funds are needed in your business checking account, they are first transferred from the money market mutual fund or repurchase investment account and then from the line of credit until the checking account is back to its target balance.
INVESTMENT SERVICES Retirement, Estate Planning, and Wealth Preservation
ONLINE CASH CASH MANAGEMENT Save money and waste less Some people aspire to buy time on repetitive tasks a dream home or travel with our convenient cash the world after they retire. management solutions. DiOthers want to help their rect deposit of payroll, wire children pay for a college transfers, ACH transactions, education. And when it and more—all without leavcomes down to it, many of ing your desk. us would love to accomplish all these worthy goals. Streamline record keeping There are three main steps — even reduce unnoticed are involved in taking conhuman errors — all of trol of your cash flow: which adds efficiency to your business day and a 1. Assess your current boost to your bottom line. situation 2. Buildcontrol a cash over reserve or • 24/7 your emergency company finances • Cut down on repetition; 3. Pay down credit-card save time and reduce debt errors in accounting
YOUR INVESTMENT SERVICES TEAM JULIE GURKOWSKI | Registered Representative 920.290.2272, julie.gurkowski@ceterais.com Julie has over 14 years of experience in the financial industry. She joined 1st National Bank in 2007. As a Registered Representative, she focuses on each client’s unique financial goals and builds lasting relationships with them. She creates effective plans while balancing the client’s needs with their wants. STEVE SPONHOLTZ | Financial Advisor 920.290.4320, steve.sponholtz@ceterais.com With 10 years of experience in the financial services industry, Steve enjoys meeting people and helping them with their retirement and savings goals. Joining 1st National Bank in 2008, he is a Financial Advisor, working with clients and their investment needs.
Sound financial • Streamline management is a process record keeping that begins with a person’s • Have anytime control first paycheck and conof comprehensive tinues through each stage ofinformation life. Each decision you money • make Directabout deposit of today forms the foundation for employee payroll your financial future. • Saves anywhere from $2.87 to $3.15 over payment with paper checks • Complete wire transfers and ACH transactions • Make loan payments • View copies of checks and deposit tickets • Make payments electronically • Automatic payment collection with Direct Payment • Dedicated implementation specialist by your side to set you up for success
Securities offered through Cetera Investment Services LLC, member FINRA/SIPC. Investments are: Not a deposit, Not financial institution guaranteed, Not FDIC/ NCUSIF insured, May lose value, and Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.
FINANCIAL MANAGEMENT
PROTECTION STRATEGIES
INVESTING FUNDAMENTALS
RETIREMENT PLANNING
ESTATE MATTERS*
1st National Investments can help you build financial management strategies to enhance your future.
Regardless of where you live, what you do for a living, and the lifestyle you personally enjoy, there are many forms of insurance that could provide some financial protection from life’s unknowns.
A sound investment strategy based on your financial goals, time horizon, and risk tolerance could serve you well over the long run. To build a portfolio that could help meet your needs, you should consider why you are investing and the time frame available before you need the money.
Setting the stage for a comfortable retirement involves determining how much you need to save and developing a roadmap to pursue your goal. It is never too early to prepare for retirement.
Your estate comprises all the wealth you have accumulated over your lifetime, including real estate, stocks, bonds, business interests, retirement plans, personal effects, and anything else you own.
How much will you need? It will depend on what age you would like to retire? How many years will you spend in retirement? Will you pay for health-care expenses out of pocket, or will a former employer help cover the costs?
Effective estate conservation can provide several benefits: select the people and/or organizations you want to receive your assets, and determine how and when they received their inheritance.
Be prepared for life’s surprises. A sudden job loss— even unexpected expenses like a major car repair or medical bill—could be devastating if you don’t have adequate cash cushion. Create an emergency fund. This type of account should be held in a bank saving account or money market were the cash is readily available to you when needed. For guidance when making these decisions, contact a financial advisor at 1st National Investments.
It is worth the time and effort to review your coverage and evaluate whether it is still adequate for your family’s needs. This includes homeowners, auto, health and Medicare, disability income and life insurance. Before implementing a strategy involving life insurance, consult a financial advisor at 1st National Investments.
Understanding basic investment strategies may help you make more informed investment decisions. Asset allocation, diversification, and dollar-cost averaging are things our team can help you understand. Talk to a 1st National Investments financial advisor today.
These are just some of the questions we can help you navigate. Talk to a 1st National Investments financial advisor today.
Important estate documents may include, but not limited to – last will & testament, living will, power of attorney, and trust. Have you taken the time to list and prioritize your financial objectives? If you start preparing today and resolve to stay focused on your goals, you can accomplish more than you ever imagined. Let 1st National Investments financial advisor help you along the way.
*For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services, nor any of its representatives may give leagal or tax advice.
BUSINESS BANKING SOLUTIONS Products and services for today’s savvy business.
With a robust suite of business banking options, paired with a client service team, your banking needs aren’t just met, they are easier to manage than ever before. With products designed for today’s savvy business team, you will have 24/7 access to your accounts.
Take advantage of ways to save, competitive interest rates and flexible loan terms. Our onsite experts can help you navigate the account types to ensure a proper selection that satisfies your business’ needs.
To the right is an overview of our product offering; please ask your representative for more information or call 855.876.1500.
ONLINE CHECKING CASH MANAGEMENT NONPROFIT Save money and waste less Designed exclusively for time on repetitive tasks local non-profits making a with our convenient cash difference in our commumanagement solutions. Dinity, Nonprofit Checking rect deposit of payroll, wire provides all the checking transfers, ACH transactions, basics you need, without and more—all without leava monthly service fee. ing your desk. Keep your business running smoothly with free Streamline recordkeeping conveniences like unlimited — even reduce unnoticed check writing, online bankhuman errors — all of ing, and more. which adds efficiency to your business day and a SMALL BUSINESS boost to your bottom line. Give your business the tools to grow with checkthat’s based onyour your • ing 24/7 control over current transaction company financesvolume. Ideal for businesses with • Cut down on repetition; fewer than 100 monthly save time and reduce transactions, your first 100 errors in accounting per month are on us. • Streamline recordBUSINESS keeping Give your business a • Have anytime control checking account with of comprehensive room to grow. Business information Checking includes your 300deposit transaction •first Direct of items free each month—an employee payroll ideal fit for small to mid-size • Saves businesses. anywhere from $2.87 to $3.15 over paymentCOMMERCIAL with paper checks When it comes to big • Complete wire transfers business, your and ACHmaximizing transactions profit is about maximiz•ing Make loan payments efficiency. Commercial Checking always keeps • View copies of checks your mind—perandvolume depositintickets fect for companies that • regularly Make payments have more than electronically 300 transactions. • Automatic payment collection with Direct Payment • Dedicated implementation specialist by your side to set you up for success
SAVINGS
CERTIFICATE OF DEPOSIT
LENDING
CREDIT
ADDITIONAL SERVICES
BUSINESS A 1st National Bank Business Savings account provides an organized safekeeping for funds— automatically boosted by competitive interest earnings. And when you maintain a $100 average quarterly balance, there is no monthly service fee.
CD Fund tomorrow’s aspirations with today’s unused assets when you open a fixed-rate CD at 1st National Bank. CDs earn a higher interest rate than regular savings that is locked in over the lifetime of the term—offering both guarantee and gusto.
TERM While you focus on your future goals, we can customize financing to make them happen. No matter the size of your business or the scope of your dreams, we offer flexible financing, suited to your situation.
LINE OF CREDIT Imagine having a solution to needs before they even come up. With a business line of credit, that’s entirely possible. Too much time between the collection of payables and receivables? No problem.
ONLINE BANKING Transform your desktop or laptop into a virtual banking branch with online banking and bill pay. Check account balances, transfer funds between accounts, and pay bills—all available around-the-clock at the simple click of a mouse.
The list of business needs is ongoing—whether short-term, long-term, or day-to-day. Satisfy your specific needs with a business savings plan.
Whatever your goals, or the time frame required to meet them, we have a term to make them happen. Simply select the bestsuited term, and then sit back as you earn that exact amount of savings.
We extend a full range of lending services to local businesses and handle them locally too—helping us grow the community together.
Whether it’s for a boost in working capital or something more specific, a line of credit has you covered. Access your line at anytime—no reapplying necessary. And best of all, you only pay interest on the part you use.
MONEY MARKET Give a high level of security and high returns to your larger balances with a Business Money Market. Earn a competitive interest rate on all balances over $1,500 that only gets larger as your account meets new balance tiers. And by maintaining a $1,500 balance, you waive your $5 monthly service fee. Put your balance to work towards your goals.
• Receive a higher interest rate than regular savings accounts • Guaranteed, fixed rates for the length of our term • No risk investments, commissions, or management fees • Terms ranging from 30 days to 5 years • Interest payments can be automatically made to your account • Penalty for early withdrawal • $1,000 minimum deposit to open • FDIC insured
SMALL BUSINESS We want to see all our local businesses succeed, regardless of size. That’s exactly why we’ve partnered with the U.S. Small Business Association (SBA)—to secure the financing that small businesses deserve. SBA Loans provide financial assistance in a number of areas, including debt financing, surety bonds, equity financing, and more. Don’t let the doors close on your dreams. Stop by 1st National Bank, and we’ll work to build opportunities together. AGRICULTURAL Your roots, your crop’s roots, and our roots—all firmly planted in the rich Central Wisconsin soil. So when it comes to financing agricultural needs, nobody understands your business more or works harder to cultivate the right terms for your situation. From start to finish, the decision-making and processing never leaves our neighborhood branches. So we can provide a fruitful solution to your needs in an efficient manner.
CREDIT CARD No matter the size of your business and the nature of your day-to-day activities, 1st National Bank has a credit card to suit your needs. Visa® is accepted worldwide, affording you increased purchasing power wherever your travels take you. And each card includes unique features, centered on your business goals and objectives. Earn rewards points for travel, merchandise, everyday business expenses—even cash back simply for using your card.
MOBILE BANKING With free mobile banking, not only can you manage a number of banking functions, you can do it at anytime, anywhere. Check balances, pay bills, and transfer funds between 1st National Bank accounts— all from the convenience of your phone. E-STATEMENTS Remove unwanted paper waste and replace it with the ease of our free eStatements. Create one less item to store each month, reduce time spent searching for past statements, and even cut down on unnecessary paper waste. MUNICIPAL OPTIONS Villages, towns, cities, counties, school districts, unions, and other municipal agencies can count on 1st National Bank’s attention to unique financial needs. Our business bankers have the experience of working with government entities to provide comprehensive, customized services to meet compliance and fiduciary obligations, as well as financial goals. Receive exceptional personal service, along with an understanding of the particular financial challenges faced by municipalities— including the flexibility to respond with creative financial solutions.
WHY 1ST NATIONAL BANK? Your trust and faith in us is priceless.
WE ARE A COMMUNITY BANK 1st National Bank is an independent community bank located in nine Wisconsin communities. Banking with us means you become a vital part of the growth and prosperity in your local economy. Together, we fuel progress in the neighborhoods where you live and work. We have deep roots in the communities we serve and care about the people within them. We pride ourselves on being community leaders and stay closely involved with local events and activities. We are committed to fulfilling your dreams. WE THINK OUTSIDE THE BOX Understanding your ever-changing needs is at the heart of our innovation and creativity. Our progressive tools and resources allow our team to take a proactive approach and strengthen relationships. By constantly evolving and thinking outside of the box, we will exceed your expectations every time. With a passion for creating the ultimate client experience, our friendly and caring team is dedicated to going above and beyond. We focus on your needs first and provide the highest degree of tailored service. WE ARE PART OF A TEAM In 2013 & 2014, 1st National Bank was ranked #3 by American Banker as the Best Bank to Work For in the nation. We know in order to keep our clients happy, we have to keep our team happy, and we’re committed to doing so. WE ARE FORWARD THINKING We are the 2014 recipient of the Wisconsin Governor’s award for Financial Literacy. We reach thousands of Wisconsin children every year with our in-school programming and extra-curricular events. We are setting the foundation for a successful financial future in today’s youth. WE GIVE BACK Every year, we donate thousands of dollars to local non-profit organizations for the betterment of our communities. We help hundreds of organizations in dozens of communities. We know that strengthening our communities contributes to everyone’s success – and we want to enhance all of your possibilities. WE DEDICATE OUR TIME FOR OTHERS Together, our team dedicates over 6,000 hours of community service. That’s an average of 65 hours per employee directly benefiting our communities every year.
FINANCIAL LITERACY INITIATIVE Teaching communities healthy financial habits.
The importance of financial literacy in our communities is critical, as challenging financial decisions are presented every day. 1st National Bank recognizes the importance of reaching people with our message so they can make informed financial decisions.
As part of our mission, we’ve dedicated a team of people to reach out to local schools and organizations with two Financial Literacy programs—at no cost. Our Financial Literacy efforts gained us recognition from the Governor of Wisconsin in 2012 & 2014 with the Governor’s Award for Financial Literacy (the only bank recognized in Wisconsin in 2012).
Each year we participate in “Teach Children to Save Day,” a program sponsored by the American Banker’s Association. Our team is deployed into area schools where they reach more than 2000 students over the course of the month. Financially focused activities help children understand good money habits, how spending actions affect their future, and basic banking functions.
1st National Bank plans to continue our financial literacy program and expand our reach state-wide.
LOCATIONS 9 locations throughout central Wisconsin.
1. BERLIN Full Service Financial Center and Corporate Office 140 W. Huron Street | Berlin, Wisconsin
Wisc
2. GREEN LAKE Full Service Financial Center N6230 State Road 49 | Green Lake, Wisconsin 3. MONTELLO Full Service Financial Center 408 Main Street | Montello, Wisconsin 4. NORTHEAST Loan Production Office 2181 S. Oneida Street | Green Bay, Wisconsin 5. OMRO Full Service Financial Center 120 Alder Avenue | Omro, Wisconsin
Mauston
6. POY SIPPI Full Service Financial Center N4259 State Road 49 | Poy Sippi, Wisconsin 7. WAUNAKEE Full Service Financial Center 1330 Montondon Avenue | Waunakee, Wisconsin
Ba 8. WESTFIELD Full Service Financial Center 356 S. Pioneer Park Road | Westfield, Wisconsin
Richland Center
9. WINNECONNE Full Service Financial Center 908 East Main Street | Winneconne, Wisconsin
Dodgeville
Shawano
4 Stevens Point
Green Bay
consin Rapids Waupaca Appleton
Wautoma Friendship
6
9 5
1
8
Chilton Oshkosh
2 3 Green Lake
Fond du Lac
Montello
Portage
araboo
West Bend Juneau
7
Madison
Milwaukee Jefferson Waukesha