Get Your Business in Gear for the New Year

HappyNewYear

The new year can mean many things for your business. What will the next 12 months look like? Do you have goals for your business and how you plan to get there? Now is the time to review your past financial performance and make plans for the upcoming year.

With this in mind, we’ve put together five financial New Year’s resolutions to help your business make this one of the best years yet.

1. Review Last Year’s Financial Highlights

How did your business perform this past year? At the most basic level, you should review your business income, expenses, profit and sales.

In addition, ask yourself these questions:

  • How do these numbers compare to last year? Are they better or worse and by how much?
  • Do these numbers align with my business projections for the upcoming year? Why or why not? Are there new income or expenses that should be accounted for?
  • In what area(s) of my business did I see the most growth?
  • What lessons can I learn from last year’s business data?

2. Set New Goals
Goal setting does not have to be complicated, especially now that you’ve taken the time to review key numbers from the past year.

It’s as simple as writing down 2 or 3 things you’d like to see your business achieve this year. It could be a goal to reduce expenses in a certain area, to produce a new product or hire additional expertise.

The most important part about goal setting is to be specific so you can measure your success throughout the year. Attaching time frames, numbers, steps it will take to meet your goal and other details can help you know if you’re on track or not.

Once you’ve established your goals, here’s a fun way to keep them top of mind from the SCORE business blog.*

3. Update Software and Processes

Payroll and other business processes can be affected by the change to a new year. Make sure your systems are up-to-date and ready for the new year. It’s also a great time to review your security protocol and procedures, especially if your business collects personal information from your customers.

4. Check in With Your Business Team
Catch up with your accountant, tax advisor, lawyer and banker at the beginning of the new year. Communication between you and your team of expert advisors can be crucial to your business’s success. After all, they want your business to succeed just as much as you do.

“During this time of the year, I like to check in with my business customers and see how they felt about the past year’s performance and what’s on tap for the upcoming year,” said Mike Swanson, Commercial Banking Officer in Hastings. “For example, what went well for them last year and what didn’t? Are there any new opportunities or internal changes coming? It’s about keeping the lines of communication open, so I can provide the best solutions going forward.”

As you share your upcoming business plans, your team can also provide updates on things that may affect your business. For example, there may be new taxes or loan programs, changes to business laws and much more.

5. Celebrate Small Successes

We’ve saved this resolution for last, but it’s certainly one of the most important – you deserve to celebrate your business’s successes. Being a small business owner can feel like a never-ending job, so take a minute to give yourself (and your team) some kudos. Celebrating small successes are the steps to celebrating larger ones!

Our team of Commercial & Ag Bankers and Treasury Management Specialists are ready to talk about your business plans. Visit our website to meet our local experts.

 

*By clicking above you will be linking to another website not owned or operated by Merchants Bank, NA. Merchants Bank, NA is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Merchants Bank, NA.

Congratulate New and Promoted Staff

NewPromotedStaff-Blog

We are happy to have these new employees on our team! If you’re interested in working with these local experts, find your branch.

New Staff

Katelyn Anderson Katelynn Anderson, IT Operations Coordinator, Winona
Brandy Anderson Brandy Anderson, Lead Teller, Cottage Grove
Elena Beck Elena Beck, Teller, Onalaska
Kyle Brodt Kyle Brodt, Credit Analyst, Winona
John Fitzgerald John Fitzgerald, Custodian, Winona
Cindy Grable Cindy Grable, Credit Admin, Winona
Teresa Holland Teresa Holland, Teller, Caledonia
Mark Jangula Mark Jangula, VP/Senior Regional Vendor Finance Manager, Merchants Bank Equipment Finance
Andrew Millis Andrew Millis, Teller, Onalaska
Melissa Peterson Melissa Peterson, VP/Commercial Banker, Eau Claire
Maria Skradde Maria Skradde, Teller, Eau Claire
Kayla Wegman Kayla Wegman, Credit Analyst, Winona

Transfers and Promotions

Amy Gutierrez Amy Gutierrez, Trust and Estate Specialist, Winona
Alejandra Hernandez Alejandra Hernandez, Customer Service Representative, Lakeville
KringsMarcus Marcus Krings, Credit Card Officer, Winona
ZoellnerBecky Becky Zoellner, Treasury Management Officer, Onalaska

Meet Dave Engstler, Consumer Banker at Merchants Bank

Dave Engstler, Consumer Banker

How long have you been with Merchants?
Dave: More than 15 years. In that time, I’ve always been a Lender with Merchants and always in our Rochester Green Meadows office.

What is your top banking tip?
Dave: Live within your means.

What’s one thing your mom or dad taught you about money?
Dave: Basically, save first.

If you won the Powerball, what’s the first thing you would do?
Dave: I would make sure my son had enough money for college.

Besides money, what’s your favorite green thing?
Dave: I really like pine trees. In Northern Minnesota, it’s pine trees and water. I love that part of the state…just smell and the fresh air.

Make Gift Giving Easy with Our 3 Tips

Gift Giving Guide

Still a few people left to buy for on your holiday shopping list? Get those gifts done in no time with our three easy ideas.

Turn Rewards Points into Gifts

With your Merchants Bank Visa ScoreCard Credit Card*, you can redeem earned points for merchandise, travel rewards, or even gift cards. Simply login to your ScoreCard Rewards account to use your points for holiday gifts for our loved ones – or even yourself.

Here’s how:

  1. Go to scorecardrewards.com.
  2. Login to your account.
  3. Click on the “Go Shopping” button under “ScoreMore.”
  4. Add items to your cart and checkout using your points when finished shopping.

If you don’t yet have a Merchants Bank Visa ScoreCard, apply online or contact us and we can help you apply.

Buy the Gift that Always Fits

You can never go wrong with a gift card. It’s always the right size, color and style for anyone on your list. Plus, it’s easy to wrap!

Did you know you can purchase Visa Gift Cards at all of our Merchants Bank locations? Just visit your local branch and see one of our tellers to purchase your gift card(s), available in even dollar amounts between $10-$1,000.

Shop Small with a Local Cookbook

If you’re looking for a unique item for the cook or baker in your family, our Merchants cookbook makes a great holiday gift or stocking stuffer.

The Merchants Family Cookbook was first published in 2005 and is a collection of recipes shared by Merchants’ staff, family and friends. Now in its second printing with over 400 pages of recipes, the cookbook is available at all of our locations for just $10 each.

Happy holiday shopping and Merry Christmas from your friends at Merchants Bank!

*Credit cards are subject to credit approval.

 

Congratulate New and Promoted Staff

NewPromotedStaff-Blog

New Staff

AmiotTony Tony Amiot, Document Transaction Coordinator, Merchants Bank Equipment Finance
Alyssa Anderson Alyssa Anderson, Teller, Cottage Grove
Larissa Andrist Larissa Andrist, Teller, Rochester
Stacey Boelter Stacey Boelter, Mortgage Loan Processor, Winona
Ann Burrow Ann Burrow, Administrative Assistant and Customer Service Representative, Onalaska
Rebecca Decker Rebecca Decker, Trust Associate, Winona
DodsonKristin Kristin Dodson, Teller, Lakeville
Brice Eggert Brice Eggert, Loan Servicing Representative, Winona
Jordan Frederick Jordan Frederick, Commercial/Ag Banker, Winona
Nick Haugen Nick Haugen, Computer Operator, Winona
Karla Johnson Karla Johnson, Loan Servicing Representative, Winona
Nick Moon Nick Moon, Commercial Consumer Evaluation & Appraisal Specialist, Winona
Wendy Murphy Wendy Murphy, Loan Servicing Representative, Winona
Kayla Pronschinske Kayla Pronschinske, Custodian, Winona
SheltonTim Tim Shelton, Teller, Winona
Maija Trenary Maija Trenary, Teller, Hastings
ZiermanAnn Ann Zierman, Document Transaction Manager, Merchants Bank Equipment Finance

Transfers and Promotions

DeGeorgeJennifer copy Jennifer DeGeorge, Assistant Vice President, Secondary Market Mortgage, Winona
Dan Nistler Dan Nistler, Market President, Rochester

Merchants Homegrown Approach to Leadership Development

IBelieveLeadershipSeries-Blog

L-R: Alberta Rosburg, Heidi Viestenz, Alissa Gibson, Mike Swanson, Andrew Althoff, Libbie Longfield, Marcus Krings, Vicky Kamrowski, Sarah Danielson, Dawn Stenberg, Sue Blagsvedt, Kim Kubis, Jim Vrchota, Wendy Cagle, Rachel Larson, Ken Graner and Kristine Valk.

We all want a team of talented staff. A business with skilled employees who care deeply about their customers is on the road to success. The people who work for your business can make a big difference. At Merchants, we feel this combination – our talented team coupled with personalized service – is what sets us apart from other financial institutions.

Attracting and retaining difference-makers as part of the Merchants team has always been important to us. We also feel it’s one of the reasons we’ve celebrated so many successes. That’s why we’re proud to have launched the I Believe Leadership Series, Discovering the Leader In You! in 2018. The program was designed by Merchants’ staff Kristine Valk, Training Director and Alberta Rosburg, Chief Human Resource Officer and is based on the philosophy of servant leadership.

“After recognizing that Merchants needed a leadership program, Kristine and I tried to find one that we could send our employees to,” said Alberta. “However, we quickly realized that if we wanted a program to reflect the Merchants’ culture, we needed to develop it ourselves. I’m so proud of Kristine, all of her hard work and the end result. The 15 students currently attending are growing in new ways to help them be servant leaders for our co-workers and customers.”

Students in the I Believe Leadership Series are from several areas of the Bank, including customer-facing departments such as Credit Cards, Mortgage and Commercial Banking as well as support departments like Compliance & Risk, Human Resources, Marketing and Mortgage/Loan Operations. The program curriculum covers a wide range of topics, relevant for those working with customers face-to-face or behind the scenes:

  • Temperament assessment and working with different personalities
  • Effective coaching skills
  • Understanding and applying strengths
  • Emotional intelligence
  • Communication and conflict resolution
  • Leading through change
  • Employee motivation and accountability
  • Team building

At this time, students are approximately halfway through the series. Many are already seeing a positive impact in their day-to-day interactions with customers and co-workers.

“The I Believe Leadership Series has been such a valuable and positive experience thus far. Fifteen of us have learned about servant leadership and how to focus on traits that lead to good, productive interactions on both a professional and personal level. The section on Finding your Strengths has been one of my favorites to date. A test identified five of our strengths as well as ideas on how to use them to strengthen communication. It’s exciting to think about how each of us will benefit from these new skills and knowledge. “– Wendy Cagle, Loan Review Officer in Winona.

“The information from the program has helped me be more focused on my conversations with customers and associates during my daily interaction,” – Ken Graner, Market President for Lanesboro and Rushford.

In addition, Training Director Kristine Valk has witnessed the impact of the series firsthand: “Before the program began, some of our participants didn’t really know one another. As we continued through the program, attendees have learned more about one another and are embracing each other’s talents. It’s really become an environment of trust and openness that’s resulted in more collaborative work.”

The program will run on an annual basis with current students graduating in April 2019 and a maximum of 20 new students beginning the series shortly after that. As part of one of five strategic priorities for the bank, talent management and leadership development will continue to be a key focus for Merchants in the years to come. Our I Believe in Leadership Series graduates will help all of us strive to serve each other and you better.

To learn more about working at Merchants Bank:

A Guide to Getting More: ScoreCard Rewards

ScoreCard Rewards Points Merchandise

Are you getting the most out of the scorecard rewards you earn with a Merchants Bank Visa ScoreCard Credit Card? If you’re earning points, this guide will help you understand:

  • The basics about your rewards points
  • How to view and redeem points
  • Some of our favorite suggestions for redeeming your points

The Basics

How Points are Earned

You automatically earn points with each purchase. Typically for every dollar you spend, you earn one reward point.

However, if you take advantage of our ScoreMore program, you can earn 2x, 3x, 4x or more points. All you have to do is shop at participating retailers, which change throughout the year. You can always find current retailers by visiting the ScoreMore section on the ScoreCard Rewards website.

Your Current Points Balance

Your points balance is available through your account at scorecardrewards.com, mycardstatement.com, or at the top of your monthly credit card statement.

Keep in mind that unredeemed points expire after five years on March 31. For example, points you accumulated in 2014, will expire on March 31, 2019.

Who to Contact

We’re always here to answer your credit card and ScoreCard rewards questions. If you would like help with:

  • Your credit card account: call (800) 944-6285 or email cc@merchantsbank.com (for your safety, please do not send personal information such as account numbers via email).
  • ScoreCard rewards, including questions about your balance or help redeeming points: (800) 854-0790
  • Travel Services, such as booking a flight or car rental with points: (855) 843-5005

Bonus Tip: If you have more than one Merchants Bank Visa ScoreCard, you can have points earned from multiple cards accumulate to one card, making your rewards build up faster. Just contact the Credit Card department for help setting this up.

How to View and Redeem Your Rewards Points

To view your points and redeem, just visit the ScoreCard Rewards website and login. You can also click the View Rewards button when accessing your credit card account through the mycardstatement.com website. Your points balance will then show up at the top of your screen.

From here, follow the steps in this video to redeem your points:

ScoreCard Rewards Video

Redemption Suggestions

When you want to redeem your points, Scorecard Rewards offers a wide variety of items and experiences to choose from. Some of our favorites include:

  • Gift cards. From department stores to movie theaters, you can turn your points into cash at your favorite retailers.
  • Points can also be redeemed for airline tickets, hotel stays, car rentals and more. Plus, if you need help booking your trip, just contact our Travel Rewards experts at the phone number listed above.
  • Had your hopes on a new iPad? Accumulate enough points and it can be yours. ScoreCard Rewards has a great selection of handheld devices for you to choose from.

Using your ScoreCard rewards points efficiently can help make your money go further. Visit our website to learn more about the Merchants Bank Visa ScoreCard Credit Card and our other credit card options. And if you’re ready to start earning rewards, apply now.

Questions About Your Loan?

 

Loan Servicing Team

Merchants Loan Servicing is Here to Help

As soon as you’ve closed your loan with Merchants Bank, you’re able to chat with one of our most knowledgeable and useful resources: the Loan Servicing department.

Consisting for 16 employees, the Loan Servicing department is prepared to assist you with practically any question related to your loan. Really. Keep reading to learn how Loan Servicing can help you and the top questions department experts are asked.

How to Contact Loan Servicing

Before we dive in, here is how you can reach our Loan Servicing department to ask your loan questions.

To help keep your personal information safe, the department verifies each caller’s identity and uses encrypted email services.

Meet the Team & How They Help

The department is made up of 15 full-time employees and one part-time employee. Loan Servicing has many seasoned employees; the average banking experience of the staff is 13 years and average loan servicing experience is nine years. When you call us, you’re truly talking to a loan expert.

By the numbers, Loan Servicing:

  • Receives approximately 5,000 calls per month from customers and staff who have loan questions.
  • Sends out 12,000 loan payment books every year.
  • Sends out more than 9,800 mortgage statements each month.

In addition to more FAQ questions below, the department can also help you:

  • With any questions regarding your loan payments, how payments are applied to your loan, loan payment books or billing statements.
  • Estimate an early loan pay off date if you’d like to pay extra on your loan.
  • Calculate principal payments to meet an early payoff goal.
  • Setup or change an automatic loan payment.
  • Keep track of your escrow information, from bill payments to helping distribute funds to complete repairs on the damaged property covered by insurance.

Frequently Asked Questions

Our Loan Servicing department is asked thousands of questions each month, but here are some of the most popular. Is your question not on the list? If your loan has closed, they are here to help at the email or phone number listed above.

Questions Covering All Loans (Personal, Mortgage and Business)

Q: Can I change my payment due date?
A: Only for certain types of loans:

  • Personal loans (excluding mortgages) – Contact your Lender to request changing your payment due date.
  • Mortgage loans – Due to Secondary Market requirements (of Fannie Mae and Freddie Mac), mortgage payments must be scheduled on the 1st of the month.

Q: Can you help me figure out how to pay off my loan early?
A: Yes, just call or email Loan Servicing. Make sure to include the date (either today’s date or one in the near future) and you’ll receive payoff information verbally or in statement form based on your preference.

If you plan to pay off your loan early and have automatic payments set up, please contact Loan Servicing a few days before your final loan payment. This will provide enough time to cancel your automatic payment and minimize the chances of a duplicate payment.

Q: During tax season, what kind of information can you provide about my loan?
A: Each year Loan Servicing will send you a 1098 statement, which includes much of the tax information you’ll need:

  • Interest paid on your loan for the year
  • Year-end principal balance
  • If applicable, information on the property securing the loan

If you have questions anytime throughout the year – not just at tax time – the department is always able to provide you with your current loan balance.

Q: I think my loan payment was late. When will I be assessed a late fee?
A: Mortgage loans have a 15-day grace period before late fees are assessed. Other personal loans and business loans have a 10-day grace period.

Q: My loan payment is scheduled to pull electronically after the due date each month, so why am I receiving a past due reminder?
A: When a loan payment is unpaid for at least seven days past the payment due date a payment reminder is sent as a courtesy. If you would like to avoid receiving this reminder, Loan Servicing suggests changing your automated payment to no later than five days after the payment due date.

Questions Specific to Mortgage Loans

Q: What happens to the extra money I send to the bank when I round up my mortgage payment?
A: Any additional money on top of your monthly payment is automatically applied to the principal of your loan. By applying extra money to the principal, a borrower can reduce the amount of overall interest paid on their loan.

Q: Can I make partial payments on my mortgage by making a payment twice per month?
A: Unfortunately, no. Because our mortgage loans follow Secondary Market guidelines (Fannie Mae and Freddie Mac), if we receive a partial mortgage payment, we are not allowed to keep that payment and must return it to the borrower.

Q: My monthly mortgage payment is set up for electronic payment. Can I opt out of receiving the monthly billing statement or choose to receive the statement electronically?
A: Merchants Bank is required by law to mail out monthly mortgage statements for loans with electronic payments. At this time, we do not offer mortgage statements online.

Remember, if you have any questions about your loan after it’s closed our Loan Servicing team is here to help.

To learn more about our loan options, click one of the links below:

Related Article: Why, What and How: Merchants Bank Mortgage Underwriting

Congratulate New and Promoted Staff

NewPromotedStaff-Blog

New Staff

Nicole Alleva-Dickey Nicole Alleva-Dickey, Teller, Rosemount
Jodi Butler Jodi Butler, Lead Computer Operator, Winona – Downtown
Paul Butze Paul Butze, VP/Senior Regional Vendor Finance Manager, Merchants Bank Equipment Finance
Jenna Carducci Jenna Carducci, Credit Administration Representative, Winona – Downtown
DillingerCindy Cindy Dillinger, Electronic Banking Specialist, Winona – Downtown
DodsonKristin Kristin Dodson, Teller, Lakeville
FlynnOlivia Olivia Flynn, Credit Administration Representative, Winona
FossumCathy Cathy Fossum, Teller, Winona – Downtown
Victoria Fox Victoria Fox, Teller, Cannon Falls
Chris Haldorson Chris Haldorson, Document Transaction Coordinator, Merchants Bank Equipment Finance
HallTaylor Taylor Hall, Teller, Winona – Lakeside
HundtTrudy Trudy Hundt, Custodian, Winona
JeffriesAustin Austin Jeffries, Teller, Winona – Downtown
Amanda Kauphusman Amanda Kauphusman, Credit Administration Representative, Winona
KiefferLinda Linda Kieffer, Teller, St. Charles
Kaitlin Knott Kaitlin Knott, Teller, Winona – Downtown
LewandowskiRenee Renee Lewandowski, Teller, Onalaska
Conray Ligon Conray Ligon, Electronic Banking Specialist, Winona – Downtown
Chris Livingston Chris Livingston, Trust Associate, Winona – Downtown
Connor Murray Connor Murray, Teller, Cottage Grove
Linh Nguyen Linh Nguyen, Database Applications Developer, Winona – Downtown
PierretDave Dave Pierret, Commercial Banker/VP, Winona – Downtown
Adrian Quilling Adrian Quilling, Customer Service Representative/Lending Assistant, Rosemount
Keela Renswick Keela Renswick, Mortgage Loan Processor, Winona
Whitney Rud Whitney Rud, Item Processor, Winona
Leeandra Schultz Leeandra Schultz, Custodian, Winona
Megan Schultz Megan Schultz, Teller, Cannon Falls
Hope Thilmany Hope Thilmany, Teller, Winona – Downtown
Sue Thilmany Sue Thilmany, Loan Servicing Representative, Winona – Downtown
ThompsonLisa Lisa Thompson, Teller, St. Charles
WesterbergBrittany Brittany Westerberg, Teller, Hastings
Stephanie Wolowicz Stephanie Wolowicz, Customer Service Representative, La Crescent

Transfers and Promotions

AhlmanJoe Joe Ahlman, Electronic Banking Specialist, Winona – Downtown
Penny Beyers Penny Beyers, Credit Administration Representative, Winona
Nancy Brommerich Nancy Brommerich, Director of Customer Assistance, Winona – Downtown
DeckerCory Cory Decker, Electronic Banking Specialist, Winona – Downtown
FernholzJennifer Jennifer Fernholz, Junior Credit Analyst, Winona
GlodowskiBecky Becky Glodowski, Credit Administration Representative, Winona
Laura Greseth Laura Greseth, Credit Analyst Manager/AVP, Winona
Sarah Kiekhoefer Sarah Kiekhoefer, Credit Administration Systems Officer, Winona
Josie Montgomery Josie Montgomery, Lending Assistant, Winona – Downtown
ThruneChris Chris Thrune, Underwriter, Winona
Molli Vodak Molli Vodak, Lending Assistant, Winona – Downtown
warnkenshelby Shelby Warnken, Teller/Vault Attendant, Winona – Downtown
Larissa Verbeke Larissa Verbeke, Junior Credit Analyst, Winona
Kaitlyn Ziebell Kaitlyn Ziebell, Residential Appraisal Specialist, Winona

From the President’s Desk: Fall 2018

From the President

By Greg Evans, President & CEO

As I’m writing this the day after Labor Day, the youngest of our four grandchildren is starting her first day of pre-school. It was a big day for Avery… about as big as it can get for a 3-year-old girl and hopefully the start of a discipline of life-long learning. A bit surprisingly, she wasn’t nervous or afraid; she was dressed, ready and wanting to go to school almost two hours before it was time for her to start. I doubt it will always be that way.

Aside from making me feel old, this gave me pause and made me think of the tremendous opportunities and challenges that all children heading back to school will encounter as they navigate through life in this day and age. Many of the challenges today are vastly different from when I was in school. Some… like the basic fundamentals associated with fiscal fitness and financial literacy… are quite the same.

As new freshmen reported to Winona State University for orientation two weeks ago, one of our Personal Banking Managers in Winona, Chad Woyczik, was asked to conduct one of the orientation sessions and provide an important tutorial on the important components of sound money management. Helping people of all ages in that regard is what makes the profession of community banking so rewarding.

Being fully committed to assisting all of our clients in realizing their financial hopes and dreams in a disciplined manner is a critical component of our brand promise to be The Bank that Service Built. Like all banking organizations, Merchants offers a wide variety of financial products and services designed to meet the needs of both local businesses and different generations of personal customers.

What we hope is different about our delivery of those products and services is our commitment to trust-based servicing of our client relationships — matching service recommendations with clearly identified needs of our customers. This method of listening to our clients, thinking about the solutions we have that can solve financial objectives and recommending the appropriate solutions when it makes absolute sense is the approach we expect all members of our banking team to follow.

So, what are some of the key ingredients to strong fiscal fitness?

Have Advisors You Can Trust

Whether it be with professional members of the Merchants team or elsewhere, develop a strong sense of confidence that the people advising you on financial matters have your best interests in mind.

Pay Yourself First

A critical foundation of any strong approach to financial management is making a savings strategy a priority. At Merchants, we can assist in numerous ways based on your personal needs with banking and wealth management products and services.

Borrow Wisely

When it comes to financing options that may be appropriate for achieving some hopes and dreams (a new house, starting a business, a dream vacation, as examples), borrowing money in a disciplined manner is critically important.

Working again with a trusted advisor who is willing to challenge you and be transparent about the challenges that come with taking on too much debt is the type of approach that will allow you to make well-informed decisions as it relates to credit.

Protect Your Information

In today’s age of e-commerce and the continued digitization of banking solutions, we have unbelievable convenience in accessing financial services and solutions. With this convenience comes increased risk associated with the protection of your private personal information.

Be diligent in following important security protocols advised by your providers. If something seems strange about a request for private personal information, assume that it probably is. Be cautious and diligent in verification anytime you are asked for information related to your private identity or your financial affairs.

In alignment with our community service commitment, we encourage our bankers to be a resource for building strong fiscal literacy throughout our entire service footprint. If you have a group or school that would benefit from having a Merchants team member provide some instruction on topics associated with personal financial management, simply reach out to your local branch. We welcome any opportunity to serve as a resource for something as important as this.