Bailey’s Irish Cream

BlogRecipe-BailysIrishCream

Ingredients:

  • 1 cup light cream
  • 14 oz. can Eagle sweetened condensed milk
  • 1 2/3 cup Irish whiskey
  • 1 tsp. instant coffee
  • 2 Tbsp. Hershey’s chocolate syrup
  • 1 tsp. vanilla extract
  • 1 tsp. almond extract

 

Directions:

Combine all ingredients in a blender set on high speed for 30 seconds. Bottle in a tightly sealed container and refrigerate. The liqueur will keep for at least 2 months if kept cool. Be sure to shake well before serving. Makes 4 cups.

 

Merchants Family Cookbooks are available at all Merchants Bank locations for $15. Proceeds benefit local food shelf programs.

Join Us for These July Events

Merchants Bank, Community Events

Our staff invites you to join them at these great events throughout July. Be sure to follow us on our Facebook page for information on these events or pictures from other events you may have missed.

7/4 Family Fun Fest Parade
12:00 p.m.
In Eitzen, MN
7/4 Cannon Valley Parade
11:30 a.m.
At East Side Park in Cannon Falls, MN
7/8-7/12 Winona County Fair
In St. Charles, MN
Merchants Bank staff will be providing free golf cart rides around the fair grounds.
7/11 Pan-O-Prog Parade
5:30 p.m.
Located on Holyoke Avenue in Lakeville, MN
7/16 Hampton Community Appreciation Picnic
11:00 a.m. – 2:00 p.m.
Across the Street from Merchants Bank in Hampton, MN
Merchants Bank staff will be serving grilled hot dogs with all the fixings!
7/17 Rosemount Community Appreciation Picnic
11:30 a.m. – 2:00 p.m.
At Merchants Bank in Rosemount, MN
As a part of Rosemount’s Leprechaun Days celebration, the Merchants Bank staff will be grilling hot dogs and serving refreshments in the Bank parking lot.
7/18 Leprechaun Days Parade
11:00 a.m.
Rosemount High School in Rosemount, MN
7/18 Rushford Days Parade
7:00 p.m.
Parade begins on Home Street in Rushford, MN
7/19 Rivertown Days Parade
12:00 p.m.
In Hastings, MN
7/24 Cottage Grove Community Appreciation Picnic
11:00 a.m. – 2:00 p.m.
At Merchants Bank in Cottage Grove, MN
Merchants Bank staff will be grilling hot dogs, and serving pulled turkey sandwiches, ice cream treats and refreshments in the Bank parking lot.
7/24 Winona Downtown Drive-Up Community Appreciation Picnic
11:00 a.m. – 2:00 p.m.
At Merchants Bank Drive-Up Winona Downtown
Merchants Bank staff will be serving grilled brats and refreshments at our Downtown Winona Drive-Up location.
8/2 Buffalo Bill Days Parade
1:30 p.m.
Located on Parkway Avenue and Beacon Street in Lanesboro, MN

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SBA Loans: Frequently Asked Questions

Merchants Bank Small Business Loans, Commerical Lenders

Are you thinking about starting a small business? Have you heard about the Small Business Administration and the loan programs it offers? You might be wondering if an SBA loan is right for you or simply how SBA loans work. Here are answers to frequently asked questions about SBA loans

1. What is an SBA loan?

While the Small Business administration oversees a number of loan programs, the SBA does not lend money itself. When you apply for an SBA loan, you’ll work with a local bank to receive financing for your project and a portion of the loan is guaranteed by the SBA.

SBA Loan programs include:

  • 7(a) Loan Program – The most common general small business loan offered by the SBA.
  • Microloan Program – Small, short-term small business loans.
  • Real Estate & Equipment Loans or CDC/504 Loan Program – Loans for real estate and equipment.
  • Disaster Loans – Low interest loans to repair or replace items damaged in a disaster.

Learn more about these SBA loan programs and eligibility on the SBA website.

2. Should I apply for an SBA loan or traditional bank loan?

Which loan is right for your business depends on a number of factors. First, you’ll want to know which SBA loan programs you may or may not qualify for. In addition, you’ll want to compare the SBA loan programs versus a traditional commercial loan. While an SBA loan might not be a fit for every business, it may provide certain benefits over traditional loans, in certain situations, including:

  • Longer terms
  • Lower down payments
  • Increased cash flow
  • Flexible repayment options

As an SBA Preferred Lender, Merchants Bank has experience helping businesses choose between SBA and traditional commercial loans. Your local Merchants Bank Commercial Banker can guide you through our options to find the right loan program for you.

Use SBA’s Online Loans and Grants Search Tool to begin research which government financial programs may help your business.

3. What information do I need to complete my loan application?

Educating yourself on the SBA loan processing and knowing what information you need for the application can save you a lot of time. Use these resources to prepare yourself when applying for an SBA loan:

For more information on SBA loans, talk to a Commercial Banker at your local Merchants Bank. We’re proud to be an SBA Preferred Lender.

Subject to credit approval. Equal Housing Lender.

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Congratulate New Staff and Promotions

At Merchants Bank, we are happy to welcome new employees and celebrate new positions filled by current staff. These frontline employees are all looking forward to serving you. Take a moment to congratulate them.

AccolaLarry copyLarry Accola has joined Merchants Bank as a Market President in Eau Claire. Larry has spent over 25 years in the Eau Claire market, most recently at Security Financial Bank as a Senior Vice President Relationship Manager. For the 20 years prior to that, he was Senior Vice President of Business Loans and Services at Royal Credit Union. Larry and his wife, Nancy have four married children and nine grandchildren. He enjoys all spectator sports, ranging from youth to professional, and is a casual hunter. He also has a small collection of antique farm tractors. Stayed tuned! Learn more about Larry in our August eNewsletter.

AndelTiffanyTiffany Andel has joined Merchants Bank as a Teller in Rosemount. Tiffany previously worked at Kids Hair and Wild Child as a Children’s Hairstylist. She will be getting married next July to her fiancé of eight years. They have two dogs; Regal, a two and a half year old long hair Chihuahua and Chevy, an eight month old Japanese Chin-Chihuahua mix.

 

AraujoEddieEddie Araujo has joined Merchants Bank as a Teller in Lakeville. Eddie previously worked at Urban Outfitters as a Sales Associate. Eddie is involved in church and likes to sing and play guitar. He also enjoys soccer and loves coffee.

 

 

BlaschkeAshlynAshlyn Blaschke has joined Merchants Bank as a Teller in Onalaska. Ashlyn is currently a student at UW-La Crosse and is planning to pursue a nursing or radiation therapy program this year. She previously worked at Bath and Body Works as a Sales Associate and at Hair Gallery as a Receptionist.

 

GrenonAbbyAbby Grenon has joined Merchants Bank as a Teller in Goodview. Abby previously worked at Winona State University as a Fitness Center Assistant and at Tunnel Trail Campground. She is currently majoring in Elementary and Special Education. In her free time, she enjoys crossfit at Crossfit Warrior Risen and her leadership involvement with H20 college ministries.

IlletschkoMaryMary Illetschko has been promoted to Vice President/Mortgage Loan Officer at Merchants Bank in Lakeville because of her exceptional performance, according to Merchants Bank in Lakeville President, Dan Vlasak. Mary has been with the Merchants Bank organization for nearly four years and in the mortgage industry for 24 years.

 

JohnsonCatherineCatherine Johnson has joined Merchants Bank as a Teller in Red Wing. Catherine recently graduated from Minnesota State University-Moorhead with a major in Speech-Language and Hearing Sciences and a minor in Music. She plans to continue her education this fall to become a Sign Language Interpreter/Translator. She previously worked at Cannon River Winery as a Taster/Bartender and at Applebee’s as a Server. In her spare time she likes to shop, roller blade and listen to/perform music.

MacCallumCharlieCharlie MacCallum has joined Merchants Bank as a Teller in Lakeville. Charlie enjoys spending time with his friends doing anything from playing video games on the couch to cliff jumping into a lake. He likes being outside and being active. Charlie attends Lakeville North High School.

 

SchillingLucasLucas Schilling has joined Merchants Bank as a Teller in Winona. Lucas recently moved to Winona from Eau Claire, WI where he previously worked for Royal Credit Union as a Teller and a Teller Team Lead. He spent two years at UW-Eau Claire pursing a Theatre major with a Dance minor, but now plans on attending Southeast Technical to purse an Associates in Accounting.

Traci Stier, Item Processing Officer

Traci Stier has been promoted to Item Processing Officer at Merchants Bank, according to Kerri Bronk, Vice President and Senior Operations Officer. Traci manages all the aspects of Merchants Bank’s ability to accept checks and remote deposit capture files, including setup, testing and the coordination of all the pieces that allow Merchants Bank to accept payments. She has been with the Merchants organization for the past 15 years.

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Business Online Banking Tutorial

Merchants Bank Business Online Banking

Merchants Online Business Banking allows you free and easy access to your business’s bank account information and cash management tools 24/7. Use Business Online Banking to manage your corporate cash and make it work harder for you. What can you do in Business Online Banking and how does it work? Here’s an overview:

Users – You control who in your company has access to your online accounts. Changes to secondary user access (including adding or removing users) can be any time you desire under the Administration area of the Business Applications section. In addition, you can define account access and transaction limits per user.

Accounts – See an overview of your account balances immediately upon logging in. In addition, in the Accounts section of Online Banking you can:

  • View account history
  • View and/or print check images
  • Export transaction history
  • Search for specific transactions

Business Applications – Provides access to the following Cash Management and Administration functions:

  • Online bill pay
  • ACH payments and receipts*
  • Wire transfers*
  • Collect funds*
  • Authorize transactions
  • Payroll*
  • Funds transfers

Other Services – Provides access to additional services, giving you the ability to:

  • Change your business address.
  • Print a direct deposit enrollment form.
  • Submit a stop payment.*
  • Create an alert to notify the administrator for the company’s Online Banking account for number situations. Example include, when:
    • A business user’s passwords or profiles are updated
    • An account goes above or below a certain balance
    • A transaction over a certain amount goes through an account

Preferences – Make changes to your password, account nicknames, order of accounts and more.

Interested in learning more? Try our demo for Merchants Bank Business Online Banking. To enroll in Business Online Banking, visit our website or call our Electronic Banking department at (866) 496-0522.

*Fees may apply.

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Pay Your Bills Online and Enter for a Chance to Win $1,000

Pay your bills online for a chance to win $1,000

During July, make three online bill payments and be entered to win $1,000. To get started, sign up or login to your Online Banking account to pay your bills today. Through Merchants Online Banking Bill Pay you can:

  • Set up individual and business payees easily and quickly.
  • Simply and securely track and manage your finances all in one place through your Online Banking account.
  • View and schedule your online bill payments in advance or on a recurring schedule for added convenience.
  • Set up payment reminders to help keep track of when your payments are due.

Make three bill payments to enter to win. Then, every bill payment after three qualifies as an entry to win. The more bills you pay online, the more chances you have to win.

Get started:

No purchase necessary. Void where prohibited. For complete rules and additional important information visit http://touchpoint-marketing.net/2015-sweeps-terms-and-conditions/.

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Meet Kerri Bronk, Senior Operations/eChannel Officer at Merchants

Kerri speaking in Spring Grove about fraud

Kerri speaking in Spring Grove about fraud.

When did you start your career in banking?

Kerri: In November of 1996, I started as a teller at the Merchants Bank location in Goodview. A few years later, I moved to the Operations Department and I’ve been here ever since.

What’s one thing someone can do right now to protect their personal information?

Kerri: Think about where you are storing your personal information. For example, do you know where your birth certificate is or your Social Security card? You should keep paper items somewhere safe and accessible, like a safe deposit box – not in your purse or wallet.

Are there any websites where you’ve used the “save password” option? If so, this could make it easier for fraudsters to figure out your password for other sites. If there are websites you don’t use any more, go out and delete personal information that is saved or stored with that website.

What’s your biggest tip for preventing fraud?

Kerri: Know who you are providing your information to and question if sharing personal information is necessary in every circumstance. For example, a form at a business might ask for your Social Security Number. Is it necessary for you to give them the information or is it on file? Ask. Many times a Social Security Number isn’t required – it is just habit to have on the form for the business.

It’s always important to question if a situation seems too good to be true. If people listened to their gut more often, many of them wouldn’t be facing fraud issues on their account. If it sounds too good to be true, it probably is.

What’s one thing your mom or dad taught you about money?

Kerri: When I was a little kid, I sold produce. I would ask my dad if I should sell something for two “bucks” and he would always tell me that money was not called “bucks” they’re “dollars.” He would say “bucks are deer, not dollars.”

If you won the Powerball, what’s the first thing you would do?

Kerri: I would set up a foundation so that I could continue to do good after I’m gone.

Besides money, what’s your favorite green thing?

Kerri: Flowers and produce. I grew up in the garden.

Has being the Security Officer at Merchants affected your life outside of work?

Kerri: My friends tease me all the time about being the “Security Officer.” I’m always thinking about the risks of a possible situation. I am always aware of my surroundings – making sure people see me when I walk outside, being aware of emergency exits in a building, using caution when giving out my personal information and posting on social media. I also think about how I respond to emails…if I don’t know the sender should I delete the email or risk getting a virus or being scammed? I think it is important to be in aware of and in control of your situation.