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Decorah – April 6, 2016 – It’s an exciting time to be a banker! The fulfilling part of banking is helping people. It is rewarding when we help a family buy a new home. It is fascinating learning about agriculture and providing credit to purchase livestock or put a crop in the field. And there is satisfaction in helping someone work through a tough situation when faced with life’s challenges. This is what being a community banker is about. Continue reading

Decorah – April 1, 2016 – Fortunately, it’s not hard to add some layers of protection to your mobile devices. Here are some tips from one of our security providers, Identity Theft 911:

1. Password-protect your mobile device and voicemail with a PIN. Make the password strong and hard to guess by using numbers, upper- and lower-case letters (when available), and at least one symbol.

2. Memorize your PIN. Don’t record it on anything you carry with you. Change your PIN periodically.

3. Use “strong” PINs that are hard to guess. These will have numbers, upper- and lowercase letters, and at least one symbol. For example, “3Dog$” is better than “1006.” You may be limited in PIN selection by the type of phone that you use, but do the best you can to create a strong PIN.

4. Never use a PIN (or password) with the last four digits of your Social Security number, your date of birth, your middle name or anything else that’s easily guessed or subject to ready access via other sources.

5. Arrange phone settings so the screen locks after a short period of inactivity. Arrange phone settings so a password is required to wake up your phone after an inactive period. Use a password that’s different from your others (ATM, email accounts, online bill-paying accounts).

6. Download anti-virus software and enable firewall protection for your cell phone. Make sure to update it regularly. Take note: Failing to update software is like being a member of a gym and not working out–looks good, sounds good, but does nothing for you.

7. Encrypt smartphones used for sensitive business communications, activate a timeout password and install an updated anti-malware program and on-device personal firewall.

8. Don’t open unfamiliar attachments, emails or text messages from unknown sources. They’re likely to be harmful.

9. Be judicious about the type of applications that you download. Many apps come with spyware or other malicious software. Consider using a more secure computer for sensitive tasks such as online banking.

10. Delete voice and text messages with financial or personal information.

11. Data-wipe mobile devices. Use programs to destroy a device’s data if the password is entered incorrectly a certain number of times—say 10. Take advantage of software that locks the phone or erases the data remotely if the phone is lost or stolen.

12. Delete data on mobile devices. Before throwing away or recycling a mobile device, delete the information on it. The website provides a deletion guide for most cell phones.

Before using mobile banking apps for smartphones, make sure your phone is protected. This means taking time to educate yourself on how to recognize malicious attacks and enable security features. Never respond to email or text message from your bank that you didn’t initiate – especially if it contains links or is asking for confidential information. Always be skeptical. When in doubt, call our Customer Support at 563.387.5230 or 563.547.2244 before clicking.


Decorah – January 5, 2016 – Here are three easy ways to help you reach your savings goals in 2016.

Schedule it. Give yourself an amount to set aside each week. Schedule it to automatically deposit in to your savings.
Measure it. Tracking your progress is the best way to stay motivated.
Be realistic. Make your goal attainable to set yourself up for success.


We are excited to offer another tool that brings time saving and convenience to our customers. Introducing Online Account Opening, where you can open a CD, Checking, or Savings account in 15 minutes or less! Continue reading