first state bank€¦ · easy travel payments i encourage you to consider this safe, secure method...

VOLUME 29 NO 5 NOVEMBERDECEMBER 2018

FIRST STATE BANK Webster City Clarion Eagle Grove Humboldt

Stanhope Jewell Fort Dodge

The bi-monthly newsletter for the Prestige Club members of First State Bank

Available on the bank website wwwfsbwccom

ARK ENCOUNTER amp CREATION MUSEUM TOUR ndash September 17 ndash 20

Our members and friends journeyed to northern Kentucky to experience the Ark and the Creation Museum We were in awe of the displays in the museum and amazed to walk through the ARK recreated in the Biblical dimensions and showing historiansrsquo idea of how life on the Ark existed for a year

50TH ANNIVERSARY PARTY CELEBRATION

Congratulations to all couples celebrating their 50 years of marriage this year Several couples were able to join us in August for a delightful afternoon at Tea Thyme at Sadies in Fort Dodge

Front Dennis amp Mary Ellen Koestner Webster City Back Don amp Doris Rastetter Jewell Fred amp Monnie Steigleder Humboldt

NOVEMBERDECEMBER 2018 PRESTIGE CLUB NEWSLETTER PAGE 1

rsquo

Coordinatorrsquos Corner Sheila Johnson Prestige Club Coordinator 515-832-2520 | 1-800-557-0520 Office Hours Wednesday and Thursday 830-300 Email sheilajfsbwccom

Best wishes to all as we see the end of 2018 coming closer and as we get ready to usher in a new year With hope and optimism we look forward to peace calm and harmony in 2019 SAVE THE DATE San Antonio Document Party Thursday November 7th For those of you who signed up for this trip look for a mid-October mailing for more details2018 ACTIVITY UPDATE Church Basement Ladies A full coach took us to Burnsville for the day Photos will be in the next newsletter San Antonio we added a coach so there will be 70 of us taking on the Lonestar State in NovDec Stars at Christmas wait list has been started for this one-day Des Moines trip to see 3 Men and a Tenor 2019 LOOK AHEAD Stay tuned for a more complete calendar in the JanuaryFebruary issue as wersquoll have more activities scheduled The Seine River Cruise is already scheduled for August 24 ndash September 4 2019 A Great Lakes motorcoach tour is in the works for mid-June Apostle Islands Pictured Rock National Park Shipwreck Museum Soo Locks Mackinac Island Light Houses Thunder Bay Dune Buggy ride Dutch Village and more The 4-day trip The Ark and the Creation Museum was a big hit and some were disappointed that the trip was full If there is enough interest perhaps this trip could be offered in 2019 Please send me an email leave a voice message or let me know if you or someone you know is interested in going next year And of course one and two-day trips will be added to the mix for new year DID YOU KNOW Prestige Club travel certificates never

expire although recipients are encouraged to use them within a yearEASY TRAVEL PAYMENTS I encourage you to consider this safe secure method to make your payments that is also easy and stress-free for you Just let me know before the

deadline that you wish to have the money withdrawn from your checking or savings account Save yourself a stamp or a trip to the bank Never worry about getting the money in on time or trying to gauge how much mail delivery time to allow The pickup delivery times for our courier system between bank offices changes from week to week so itrsquos difficult to predict when the payment will arrive in Webster City All trip payments (checks too) are deposited on or soon after the due date Let me know if you have any questionsSNOWBIRDS Donrsquot miss a single issue of the newsletter Let me know your winter address and departure date See the related article on this page about banking services available to youCREDIT FREEZE Effective September 21 2018 an amendment to the Fair Credit Reporting Act (FCRA) provides consumers with the ability to freeze their credit free of charge See page 5 for more information LOOKING BACK TO PAST TRIPS Great River Maple had a display in the Ellwell Family Food Center at the Iowa State Fair Edgewood Locker won Grand Champion for their ham and Grand Champion for their cured and smoke beef at the Fair Park benches at the Hamilton County Freedom Rock in Stratford were made from materials recycled in Iowa and manufactured by Plastic Recycling of Iowa Falls Itrsquos now been several years since our group crossed the old bridge at Sabula while ending our cruise on the Mississippi River At that time a new bridge was being constructed The old bridge was later closed so drivers had to make a 36-mile detour or take a ferry After many starts and stops the new bridge is finally open Did you know that the town of Sabula is actually an island due to the changes in the river over time Another chapter in the lives of the 5 Sullivan Brothers of Waterloo was revealed with the discovery of the USS Juneau at the bottom of the South Pacific Irsquom sure this information will be added to the display of the Sullivans in the Iowa Veterans Museum in the Grout Museum District in Waterloo which we visited several years ago Wells Blue Bunny has introduced new healthy made-in-Iowa product ndash Chilly Cow now found in the metro area The ice cream used ultra-filtered milk that removes sugar and water resulting in a creamier ice cream 7 flavors are available in half-pints Wells is the largest privately held family-owned ice cream and frozen treat manufacturer in the US The company was founded in 1913 and is headquartered in Le Mars the Ice Cream Capital of the World Hmmhellipmaybe a return trip to the city is in order

DO YOU HAVE REAL ID After October 1 2020 a REAL ID driverrsquos license or REAL ID card or passport will be required for boarding an airplane for a federal commercial flight Contact the Driverrsquos License department of your county to find out what documents you need to present to apply for REAL ID on your driverrsquos license (gold star printed in upper right corner) If your current license renews after the Oct 1 2020 deadline you can be issued a duplicate license with the REAL ID for a small fee ($10) If you don t have a driverrsquos license and intend to fly you can obtain an REAL ID card for a small fee ($8) If you have any questions visit the Iowa DOT website httpsiowadotgovmvdrealidreal-id-home Please see page 6 for more details

ATTENTION SNOWBIRDS Before you wing your way south this winter take a few minutes to review the many services First State Bank has to offer These services can help you while yoursquore away bull Internet Banking ndash gives you access to your accounts 247 Try a demo at wwwfsbwccom Pay your bills online Make a loan payment bull DebitATM Card ndash withdraw cash transfer funds check balances Your debit card can also be used to make purchases at gas stations restaurants etc from your checking account bull Telephone Banking ndash dial 1-888-372-4880 for instant info about your accounts or loans bull E-Statements ndash access your statement online fast amp secure bull Mobile Banking ndash bank from your web-enabled phone bull Mobile Deposit ndash deposit checks with on-line banking and mobile app

HOLIDAY HOURS Veteranrsquos Day - Nov 11 closed on Monday Nov 12 TanksgivingNovember 22 - closed Christmas December 24 - close at noon December 25 - closed December 31 - close at 400pm New Yearrsquos DayJanuary 1 - closed

Any interest you wish reported for 2018 must be paid by close of business

December 31 2018


JEWELL RIBBON CUTTING amp OPEN HOUSE ndash AUGUST 31ST

Ribbon Cutting in front of new building Photographer Rebecca Mines with Hamilton Hometowns

Doorprize Winners of the Prestige Club Travel certificates Donna Busch and Diane Barkema

PROGRESS CONTINUES IN WEBSTER CITY Work continues on the remodeladdition to the Webster City bank building Target date for completion is end of 2019 Your patience is appreciated during this period of construction Stop by the bank and view the scale model of the project

Pictured is the architectsrsquo rendering of the completed project south view

This photo taken several weeks ago shows the start of the basement and first floor of the two story addition to the west face of the building


PRESTIGE CLUB POLICIES MEMBERSHIP The Prestige Club is designed for bank customers who maintain a special banking relationship with First State Bank with the following minimum balances $2500 in checking or $2500 in savings or $5000 in a Money Market or $10000 in a CD (Certificate of Deposit) After Feb 1996 an age requirement of 55 years or older was added Effective Jan 2017 minimum balance of $10000 with First State Bank Financial Services was added as a qualifying relationship FEATURES Membership in the Prestige Club entitles its members to one free Prestige Club checking account per household free club checks no-fee money orders a bi-monthly newsletter group travel parties brunch and seminars No membership dues or fees ELIGIBILITY Account eligibility will be reviewed periodically You will be contacted if your account balances fall below the minimum to give you an opportunity to bring your balances back to the minimum Members will be dropped who no longer have any qualifying balances PRIVACY POLICY Information about our members is shared within the confines of the Club newsletter and Bank website such as photos and member names Please let me know if you do not want information about yourself printed in the newsletter or in any other communication that is shared within our membership Your wishes will be respected in this matter PHILOSOPHY Offering group travel with friends and neighbors is a benefit to our members All details and reservations have been taken care of so that you can enjoy a well-planned worry-free trip We work to secure the best seats and rooms possible We aim to provide you with a first class trip for the best price RESPONSIBILITIES While trips are sponsored by First State Bank travel services may be provided by other companies The Prestige Club and First State Bank act only as agents for the passenger and therefore can assume no responsibility for and cannot be held liable for any personal injury property damage or other loss accident delay inconvenience or irregularity which may be occasioned by actions or omission of suppliers or other parties We are not responsible to any person for expense loss of time or money or other circumstances resulting from a change in itinerary or change in tour arrangements TRAVEL INFORMATION Approximately 5-7 days before a trip all travelers will receive a letter from the Coordinator with details about the trip In most cases pickup points will be available in one or more of the towns where our bank is located We regret that personal requests for other pickup arrangements will not be possible ASSISTED TRAVEL Any person who cannot travel independently and who would need special assistance must be accompanied by a companion who will be able to assist and assume responsibility for this person Accommodations for special needs can be arranged

ahead of time (lift in motorcoach diet wheelchairs 1st floor rooms etc) Please check with the Coordinator to determine if all the needs of the traveler can be accommodated on a specific trip TRAVEL SIGN-UP All trips are announced in the newsletter You can sign up at any bank location by contacting the Coordinator or a Personal Banker First preference is given to our members Guests of a Prestige Club member are always welcome at no extra charge Occasionally a trip may be opened up to the public WAITING LIST If all reservations are taken we will begin a waiting list No deposit will be required at this time Cancellations can happen even up to the day of the trip and we want to fill any available seats (See Cancellations below) In the event of a cancellation you will be contacted in the order that you are listed on the Waiting List PRICING The pricing of the trips is based on projected number of travelers on a break-even basis If that number is not reached our club may join another group so that the trip will not have to be cancelled The price listed for each trip is per person Although every effort is made to adhere to the prices as they are printed it may happen that prices may have to be adjusted due to unforeseen circumstances PAYMENT Payment or deposits are expected when you make your reservation Most trips include an attraction or accommodation that requires a down payment well in advance of the trip Booking this far ahead ensures that the best seats and rooms will be reserved for our group Generally the longer the trip the further in advance the payments are required Full payment or down payment holds your seat You will be contacted if you have not made a payment by the deadline REFUNDS If a trip is cancelled or you cancel before the last payment deadline you will receive full refund of any payments made If you cancel after the last payment deadline we must abide by the refund policies of all the vendors involved and full or partial refunds cannot be guaranteed See Cancellations and Travel Insurance below CANCELLATIONS Please notify the Club Coordinator as soon as possible if you must cancel This helps ensure the maximum refund possible as well as offering people on a waiting list an opportunity to go TRAVEL INSURANCE Travel insurance is available for most trips and highly recommended for extended trips If coverage is included in the price this will be disclosed to you TIPSGRATUITIES Whenever possible all tips and gratuities for bus drivers luggage handling waitresses and guides are included in the cost of a trip You will be notified when this is not the case EMERGENCY FORMS All travelers will be asked to fill out a confidential emergency form with information such as contact friend or relative insurance medications and doctors name This form should be kept with you at all times

Rev December 2017


The following information is provided by the Consumer Financial Protection Bureau (CFPB) What does it mean to put a security freeze on my credit report Answer A security freeze prevents prospective creditors from accessing your credit file Creditors typically wont offer you credit if they cant access your credit reporting file so a security freeze also called a credit freeze prevents you or others from opening accounts in your name Security freezes can be useful in preventing an identity thief from opening a new credit account in your name Only a limited number of entities can see your file while a freeze is in place including bull Creditors of accounts you currently hold bull Certain government entities like child support agencies bull Companies that youve hired to monitor your credit file

Free Security Freezes Under a federal law effective September 21 2018 you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies ndash Experian TransUnion and Equifax The federal law requiring free security freezes does not apply to someone who requests your credit report for employment tenant-screening or insurance purposes Other credit reporting companies for example employment or tenant screening companies might charge a fee to place and lift a security freeze based on your state laws You can place a freeze on your credit file at any time but you must contact each credit reporting company For more information visit the nationwide credit reporting companies websites or call the numbers below bull Equifax Take control of your Equifaxreg credit report (800) 685-1111 bull Experian Security Freeze (888) 397-3742 bull TransUnion Credit Help (888) 909-8872

Security Freeze Notice and Timing bull A nationwide credit reporting company must place a security freeze within 1 business day of your request if made by telephone or secure electronic means If the request is made by mail the security freeze must be placed no later than 3 business days after receiving the request bull A nationwide credit reporting company must send

you a written confirmation of the security freeze no later than 5 business days after the security freeze is placed They must also tell you of how to remove the security freeze bull The nationwide consumer reporting companyrsquos webpage must also allow you to request a security freeze an initial fraud alert an extended fraud alert and an active duty fraud alert

Temporary Lift of Security Freeze bull Upon your request the security freeze can be removed free of charge The security freeze will be removed no later than bull 1 hour after receiving the request by toll-free telephone or secure electronic means bull 3 business days after receiving the request by mail bull You also have the option to lift the freeze temporarily for a period of time specified by you free of charge The same time periods above apply to a temporary removal of your security freeze

Security Freeze for ldquoProtected Consumersrdquo bull Federal law provides protections related to credit records and identity theft for ldquoprotected consumersrdquo under the age of 16 and incapacitated persons or persons for whom a guardian has been appointed Persons with authority to act for these protected consumers can request a security freeze bull Additionally if the nationwide credit reporting company does not have a file on the protected consumer at the time the security freeze is requested by the parents or guardians the company will create a record in order to freeze the record for the ldquoprotected consumerrdquo This record of the ldquoprotected consumerrdquo may not be used for credit purposes and may only be used to freeze the record to protect against identity theft

Tip If you think you may have been the victim of identity theft you can also file a fraud alert A fraud alert requires creditors who check your credit report to take steps to verify your identity before opening a new account issuing an additional credit card or increasing the credit limit on an existing account based on a consumers request An initial fraud alert lasts up to 1 year unless you decided to remove it sooner

The content on this page provides general consumer information It is not legal advice or regulatory guidance The CFPB updates this information periodically This information may include links or references to third-party resources or content We do not endorse the third-party or guarantee the accuracy of this third-party information There may be other resources that also serve your needs


FIRST STATE BANK 505 Second Street Address Service Requested PO Box 70 Webster City IA 50595-0070

Do you plan to fly after Oct 1 2020 If so please read the following article Many of you have probably heard about the REAL ID that will be mandatory starting October 1 2020 for three specific events bull Boarding an airplane for a domestic flight If you have a passport you can use it bull Entering a federal building that requires identification to enter bull Entering a nuclear power plant If you are renewing your driverrsquos license before October 1 2020 or if your license renews after 1012020 you should consider getting the REAL ID This designation is printed on your driverrsquos license via a gold star in the upper right hand corner There are certain documents required to be presented at the driverrsquos license office in order to get this designation Contact your county Treasurerrsquos office for the documents you need to present to comply Note that if you do not intend to engage in any of the 3 events listed above you do not need a REAL ID Or if you do not have a driverrsquos license you can apply for a REAL ID card

505 Second Street 600 Park Street Webster City IA 50595 Stanhope IA 50246 515-832-2520 515-826-3222 3031 5th Avenue South 323 South Commercial Avenue Fort Dodge IA 50501 Eagle Grove IA 50533 515-573-5150 515-448-4567 714 Central Ave E 605 13th Street N Clarion IA 50525 Humboldt IA 50548 515-532-2210 515-604-6420

548 Main Another Club Beneft Jewell Iowa 50130 FREE PRESTIGE CLUB CHECKS

515-827-6120

Happy Birthday to all November and December

birthday babies

Check your driverrsquos licenseis it time

to renew

rsquo

Coordinatorrsquos Corner Sheila Johnson Prestige Club Coordinator 515-832-2520 | 1-800-557-0520 Office Hours Wednesday and Thursday 830-300 Email sheilajfsbwccom

Best wishes to all as we see the end of 2018 coming closer and as we get ready to usher in a new year With hope and optimism we look forward to peace calm and harmony in 2019 SAVE THE DATE San Antonio Document Party Thursday November 7th For those of you who signed up for this trip look for a mid-October mailing for more details2018 ACTIVITY UPDATE Church Basement Ladies A full coach took us to Burnsville for the day Photos will be in the next newsletter San Antonio we added a coach so there will be 70 of us taking on the Lonestar State in NovDec Stars at Christmas wait list has been started for this one-day Des Moines trip to see 3 Men and a Tenor 2019 LOOK AHEAD Stay tuned for a more complete calendar in the JanuaryFebruary issue as wersquoll have more activities scheduled The Seine River Cruise is already scheduled for August 24 ndash September 4 2019 A Great Lakes motorcoach tour is in the works for mid-June Apostle Islands Pictured Rock National Park Shipwreck Museum Soo Locks Mackinac Island Light Houses Thunder Bay Dune Buggy ride Dutch Village and more The 4-day trip The Ark and the Creation Museum was a big hit and some were disappointed that the trip was full If there is enough interest perhaps this trip could be offered in 2019 Please send me an email leave a voice message or let me know if you or someone you know is interested in going next year And of course one and two-day trips will be added to the mix for new year DID YOU KNOW Prestige Club travel certificates never

expire although recipients are encouraged to use them within a yearEASY TRAVEL PAYMENTS I encourage you to consider this safe secure method to make your payments that is also easy and stress-free for you Just let me know before the

deadline that you wish to have the money withdrawn from your checking or savings account Save yourself a stamp or a trip to the bank Never worry about getting the money in on time or trying to gauge how much mail delivery time to allow The pickup delivery times for our courier system between bank offices changes from week to week so itrsquos difficult to predict when the payment will arrive in Webster City All trip payments (checks too) are deposited on or soon after the due date Let me know if you have any questionsSNOWBIRDS Donrsquot miss a single issue of the newsletter Let me know your winter address and departure date See the related article on this page about banking services available to youCREDIT FREEZE Effective September 21 2018 an amendment to the Fair Credit Reporting Act (FCRA) provides consumers with the ability to freeze their credit free of charge See page 5 for more information LOOKING BACK TO PAST TRIPS Great River Maple had a display in the Ellwell Family Food Center at the Iowa State Fair Edgewood Locker won Grand Champion for their ham and Grand Champion for their cured and smoke beef at the Fair Park benches at the Hamilton County Freedom Rock in Stratford were made from materials recycled in Iowa and manufactured by Plastic Recycling of Iowa Falls Itrsquos now been several years since our group crossed the old bridge at Sabula while ending our cruise on the Mississippi River At that time a new bridge was being constructed The old bridge was later closed so drivers had to make a 36-mile detour or take a ferry After many starts and stops the new bridge is finally open Did you know that the town of Sabula is actually an island due to the changes in the river over time Another chapter in the lives of the 5 Sullivan Brothers of Waterloo was revealed with the discovery of the USS Juneau at the bottom of the South Pacific Irsquom sure this information will be added to the display of the Sullivans in the Iowa Veterans Museum in the Grout Museum District in Waterloo which we visited several years ago Wells Blue Bunny has introduced new healthy made-in-Iowa product ndash Chilly Cow now found in the metro area The ice cream used ultra-filtered milk that removes sugar and water resulting in a creamier ice cream 7 flavors are available in half-pints Wells is the largest privately held family-owned ice cream and frozen treat manufacturer in the US The company was founded in 1913 and is headquartered in Le Mars the Ice Cream Capital of the World Hmmhellipmaybe a return trip to the city is in order

DO YOU HAVE REAL ID After October 1 2020 a REAL ID driverrsquos license or REAL ID card or passport will be required for boarding an airplane for a federal commercial flight Contact the Driverrsquos License department of your county to find out what documents you need to present to apply for REAL ID on your driverrsquos license (gold star printed in upper right corner) If your current license renews after the Oct 1 2020 deadline you can be issued a duplicate license with the REAL ID for a small fee ($10) If you don t have a driverrsquos license and intend to fly you can obtain an REAL ID card for a small fee ($8) If you have any questions visit the Iowa DOT website httpsiowadotgovmvdrealidreal-id-home Please see page 6 for more details

ATTENTION SNOWBIRDS Before you wing your way south this winter take a few minutes to review the many services First State Bank has to offer These services can help you while yoursquore away bull Internet Banking ndash gives you access to your accounts 247 Try a demo at wwwfsbwccom Pay your bills online Make a loan payment bull DebitATM Card ndash withdraw cash transfer funds check balances Your debit card can also be used to make purchases at gas stations restaurants etc from your checking account bull Telephone Banking ndash dial 1-888-372-4880 for instant info about your accounts or loans bull E-Statements ndash access your statement online fast amp secure bull Mobile Banking ndash bank from your web-enabled phone bull Mobile Deposit ndash deposit checks with on-line banking and mobile app

HOLIDAY HOURS Veteranrsquos Day - Nov 11 closed on Monday Nov 12 TanksgivingNovember 22 - closed Christmas December 24 - close at noon December 25 - closed December 31 - close at 400pm New Yearrsquos DayJanuary 1 - closed

Any interest you wish reported for 2018 must be paid by close of business

December 31 2018











Rev December 2017















515-827-6120


birthday babies


to renew










Rev December 2017















515-827-6120


birthday babies


to renew














515-827-6120


birthday babies


to renew

first state bank€¦ · easy travel payments i encourage you to consider this safe, secure method...

Documents