News Blog

Decorah B&T EMV MC Debit

Decorah – May 25, 2016 – Beginning June 20, 2016, we will begin offering an EMV (chip) debit card. If you are a current debit card holder with us, you can expect your new chip debit card in the coming days. Simply follow the instructions provided with the replacement chip debit card to activate it. Once this is complete your old debit card will no longer work and can be destroyed by shredding and securely recycling it.

What is an EMV (chip) debit card?

EMV stands for Europay, MasterCard, and Visa, and has become the global standard for chip and PIN cards.  EMV® technology on your new card stores account information more securely, and the technology itself can provide a reduction in card-present fraud resulting from counterfeit, lost or stolen cards.

How the EMV Chip Card Works

You’ll either insert your chip card into the store’s terminal or swipe the magnetic stripe. You’ll need to keep the chip in the terminal until the transaction is complete. Chip-enabled terminals in stores (and ATMs) are gaining popularity as a protection for customers.

How to get an EMV Card

If you have a checking account with us and don’t currently have a debit card, or are interested in opening a checking account, simply ask for a personal banker to get one at 563.382.9661 or 563.547.2244. If you are a current debit card holder with us, you can expect your new chip debit card in the coming days with further instructions on how to activate and use your new card.

We hope that you enjoy your new EMV (chip) debit card.


Decorah – May 09, 2016 – As promised, we are not changing our name, ownership, or moving away from our community financial services. We are offering a fresh, new look with a stronger web based utility with this shiny new website featuring both Decorah Bank and Cresco Bank, a division of Decorah Bank & Trust Co., our neighbor 20 miles away. We’re also offering a colorful, progressive, and energetic expression with our updated logo. Continue reading

Decorah – April 21, 2016 – We are not changing our name, ownership, or moving away from our community financial services. We’re simply updating our logo and launching a new website with a stronger web based utility that features both Decorah Bank and Cresco Bank, a division of Decorah Bank & Trust Co.

Be sure to check out our new website launching in early May, where we will feature photography of the Driftless Area. You are welcome and encouraged to submit your own photo!New Web Screen Shot 0516

You will find the Online Banking login area in the upper right of your screen. We know this is an important lifeline for many of you.

Look for our updated logo on our mobile app, online banking, the new website, your banking correspondence, and more in May. No action is required on your part. Debit/ATM cards, checks, and other account materials will not change immediately, although we’ll gradually be updating some items as they come up for renewal or when it’s time to reorder.

We hope you like the updates we’ve created for you. As always, we are thankful for your business!


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, Cyber Scout™:

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