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  Winter 2013 eNewsletter
Shelby County State Bank News & Events
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SCSB Promotions Announced for Mathew Freund and
Travis Lane
 
Mathew Freund

Senior Vice President Mathew Freund has accepted the role of Lending Manager for SCSB in Harlan. Mathew and his family reside on a farm near Earling. Mat has been with SCSB for the past 16 years. He will be transitioning his managerial responsibilities as Branch Manager in the Shelby Office to the Downtown Harlan location over the next few months.

In his new role, Mathew will be responsible for maintaining a healthy loan portfolio, managing SCSB’s lending staff and directing SCSB’s charge for loan growth.

Assistant Vice President Travis Lane has accepted the role of Branch Manager in Travis Lanethe Shelby Office. Travis and his family reside in Shelby where he has been an SCSB lender for the past five years.

As Branch Manager, Travis will work closely with branch staff and provide comprehensive loan services for the Shelby Office.

Shelby County State Bank congratulates Mat and Travis on their promotions and is confident they will continue to provide SCSB customers with outstanding service.

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What to do if you lose your wallet…
 

You’ve lost your wallet. Your whole life is in that purse. You’ve looked everywhere, called the businesses you recently visited and asked your friends to check their cars or houses. It’s nowhere to be found. Now what?

Losing your wallet or purse is one of the most inconvenient things that can happen. Time is of the essence when it comes to protecting your bank account and identity from malicious fraud. The maximum time you should wait to act is 24 hours. Some companies even have deadlines for reporting lost cards.

Listed below are several key steps to take if you find yourself in this predicament. As long as you do all of these things, the order in which you do them isn’t important. Also, the following six items should never be regularly kept in your wallet.

  • Social Security card
  • Birth Certificate
  • Every single credit card you own
  • Spare house keys
  • Your Personal Identification Numbers (PINs)
  • Receipts

File a police report. As soon as you’ve given up finding your wallet, assume that someone has it and is not going to return it. Calling the police might seem like an unnecessary step, but it is essential for fraud prevention. Please, do not call 911 in this situation. The police will give you a report with a report number, which is very important if you become a victim of identity theft or fraud. You need a real record of the event, rather than trying to explain to creditors later, why you didn’t report the loss.

You will also need a new driver’s license, as most Department of Motor Vehicles will ask for a copy of the police report. The DMV will issue you a new driver’s license, which will have the same number as the old one.

Call your bank. Provide your bank with a copy of the police report. If you have a debit card, report it stolen and get the bank to issue you a new one.

Call your credit card companies and report your cards lost or stolen. You may be told to cancel your cards, however, that is not necessary. Canceling your cards may cause other headaches and mess-up your credit score. Every card issuer has a set of procedures for handling lost or stolen cards, and if you report it as such, you won’t have as many difficulties as you would if canceling them..

Notify the three major credit agencies. Call the three agencies—Equifax, TransUnion and Experian—and ask them to put a fraud alert on your credit report. Get a copy of your credit reports to check for fraudulent activities a month or two after you’ve reported your cards stolen.

Lastly, a preventative step that will help immensely if your wallet or purse is lost, is to scan or photocopy, everything in your wallet (front and back). Keep these scans stored in a protected folder on your computer, or your photocopied items in a safe place. This includes not only your driver’s license and credit cards, but also health insurance cards and gift cards. The goal is to have a backup so you know instantly what is missing and the numbers to call to begin to remedy the situation.

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See your FICO® Score for Free - A New Benefit for Shelby County State Bank Credit Cardholders
 

With our new feature, you can keep tabs on your FICO® 8 Bankcard Score — the FICO® Score we use to help manage your account. Just by logging in every month you can:

  • View your FICO® Score 24/7, online
  • Discover what Key Score Factors have affected your FICO® Score
  • Find out what you can do to strengthen your financial health

Good financial health starts with knowing where you stand. Now you can access your FICO® Score at no additional cost to you. Once logged in to SCSB’s Online Banking, go to the Service tab and click on View FICO® Score.

Don’t have our credit card? Take a look at our competitive credit card products and apply today!

* Please note that new cardholders will generally see their FICO® Score about two or three months after opening their account.

FICO is a registered trademark of Fair Isaac Corporation.

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SCSB Donates $100,000 to Education Foundation
 
 

Shelby County State Bank recently donated $100,000 to the Harlan Community School District Education Foundation. The foundation is raising $2.1 million for education needs, which include funding for band and vocal, STEM (Science, Technology, Engineering and Math) and renovations at Merrill Field.

From left: Kevin Campbell, Dennis Huttmann, Mathew Freund, Stef Kramer and Randy Coenen, Shelby County State Bank’s Board of Directors, and Todd Langenfeld, President of the Harlan Community School District Education Foundation.

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Thanksgiving Open House Turkey Winners Announced
 

On Friday, November 22, all Shelby County State Bank locations held a Thanksgiving Open House. This annual event is SCSB’s way of extending appreciation to our customers for the opportunity to serve you.

Congratulations to all of the following individuals who won a turkey at the Open House: Donna Scheel, Keith Andersen, Ron Kleffman, Bill Brue, Kerrie Dea, Alfred Pauley and Lyle Andersen.

Additionally, from now through December 20, you can sign your name on a large holiday greeting card at any SCSB location. For every signature on the card, SCSB will donate $1 to the local food pantry.

Thank you for your business and SCSB wishes you and your family a memorable holiday season!

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SCSB Promotions Announced for Mathew Freund and Travis Lane
What to do if you lose your wallet…
See your FICO® Score for Free - A New Benefit for Shelby County State Bank Credit Cardholders
SCSB Donates $100,000 to Education Foundation
Thanksgiving Open House Turkey Winners Announced

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