Our Two Cents

At The Stephenson National Bank & Trust, we consider ourselves experts in the field of finance. Why not share our financial knowledge with the rest of the community? That is exactly what we are going to do.
' Our Two Cents ' will allow you to learn useful techniques for saving or protecting your money. Every Monday we will share our lessons that make cents. Make sure to check back with us regularly!

Have a comment or suggestion? Contact Us and let us know what you think!
Our Two Cents is SNBT's blog, providing useful financial tips.
Laptop on a table with a coffee mug, glasses, and a plant. 7 Ways to Protect Your Data Online
3.20.17 | Personal Tips |  SNBT has a Facebook! Like us @SNBTbankSNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust  
Cyber thieves are using social media profiles to gather personal information and use it to commit fraud. Follow these tips to safeguard your information online.
Money being swept up by a dust pan.

Spring Cleaning for Your Finances
3.13.17 |  Personal Tips  |  SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust  
Spring is just around the corner! That means it's time to open up the windows, sweep out the garage, and do some spring cleaning. As you scrub and organize, don't forget your money.

Tax refund forms with money. Wise Ways to Spend Your Refund
3.6.17 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Many Americans have recently received, or will receive soon, a refund from Uncle Sam. If you're one of the millions of these consumers, here are a few smart ways to use that money.

A picture of multiple people's hand in a circle to represent community involvement.

5 Ways to Get Involved in Your Community
2.27.17 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Volunteering can open the door to a number of opportunities and experiences – meeting the people in your neighborhood, developing personal and business relationships, and more.

Clear the clutter from paper statements.

4 Tips to Clear the Clutter

2.20.17 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust  
Is clutter taking over your life? If so, there are many ways to declutter your home with the help of technology. Read these 4 tips to clear your clutter.

Woman using her iPad to do online banking.

Busting the Myths of Online & Mobile Banking
2.13.17 | Personal Tips SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
According to Pew Research, over half of all U.S. adults use online banking services. Are your concerns about online banking stopping you from joining in?  

Identity theft, and how to avoid it.

7 Tips to Avoid Tax ID Fraud
2.6.17 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
As the 2017 tax season gets underway, it is important take extra precaution when filing your return to prevent exposure to tax fraud. To help prevent tax ID fraud, read these tips. 

Woman's hand holding her phone to mobile bank.

eStatements Provide Solutions
1.30.17 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Receiving bank and investment account statements and other documents online instead of in the mail can have benefits — including convenience, less clutter, and less garbage. 

How to talk to your kids about money, read more to find out. How to Talk to Your Kids About Money
1.23.17 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
How soon is too soon to talk to your kids or grand kids about money? If they are old enough to ask for a toy or a bike, they are old enough to start learning financial lessons that will last a lifetime.
A daughter and her older mother hugging and smiling. Understanding Your Role as a Financial Caregiver
1.16.17 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
According to the Caregiver Action Network, more than 90 million Americans care for a loved one living with disability or experiencing reduced financial capability as a result of aging.
Laptop on a table next to paper and receipts

How to Create a Budget
1.9.17 | Personal Tips SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
The holiday season is over and it’s time to get your finances back under control. Now is an important time – more than ever –to develop a budget and stick to it.

A black wallet with debit and credit cards.

Resolutions for Your Wallet
1.3.17 | Personal Tips SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Every year, people make financial New Year's resolutions in January and give up on them by Valentine's Day. Read tips to help you actually accomplish your resolutions this year.

A photo of a desk, computer, and phone in an office. 5 Ways to Protect Your Small Business from Account Fraud
12.19.16 | Business Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust  
Corporate account takeover is a type of fraud where thieves gain access to a business’ finances to make unauthorized transactions. Here are tips to keep your business safe.
A man holding a blue debit card. 4 Easy Ways to Avoid Overdraft Charges
12.12.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Sometimes mistakes happen. It is easy to lose track of your expenses when you aren’t constantly monitoring your account. Read these 4 easy ways to avoid overdraft fees.
Woman calculating finances from her online banking account. Holiday Budgeting Tools You Need to Know
12.5.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
'Tis the season for holiday shopping. We understand that the gifts, family meals and decorations all put a strain on your wallet. Create a holiday budget and sticking to it.
A monthly planner can help track and budget your finances. Bi-weekly or Monthly Payments, Which Best Fits You?
11.28.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Everyone is familiar with monthly mortgage payments. But what if there was a way to shorten the years of your loan payments, would you be interested?
Woman shops online through her mobile phone. Money Safety Tips for the Holiday Shopping Season
11.21.16 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Scams, fraud and data hacks abound during peak shopping season. However, you can fight back against the criminals who may try to steal your identity with these tips.
3 Tips to Raise Your Credit Score & Keep it High  
11.14.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Your credit score affects many aspects of your life, including making large purchases, obtaining loans, renting an apartment and even applying for a job!
Is a Joint Bank Account Right for You?
11.7.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Joint bank accounts are often viewed as an easy way to give financial caregivers the ability to manage money on behalf of older adults. Find out if a join account is right for you.
A family on their recreational property. 5 Ways to Use Your Requity
10.31.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Using your secondary home as collateral is a convenient way to access a large sum of money. Choosing how to spend that extra cash is the difficult part.
College boy on campus, using his phone to do his banking. 8 Banking Tips Millennials Need to Know
10.24 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Millennials are connected to social media, but are they connected to their bank? Today's technology and innovation makes it easy to for consumers to stay connected to their bank.
4 Security tips for using mobile check deposit 4 Security Tips for Mobile Check Deposits
10.17.16 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Start by taking photos - and taking precautions. At an increasing number of banks, consumers can use a smartphone to deposit a check into their account from anywhere.
SNBT supplies tips for protecting your identity online. 7 Tips for Protecting Yourself Online
10.3.16 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. Read these seven tips to protect yourself online.
ABA's preferred banking method survey, made into an infographic. Which Method of Banking is Most Popular? 
9.26.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
More than half of Americans manage their bank accounts online more often then any other method, according to a recent survey done by the American Bankers Association.
12 tips to Secure your mobile device. 12 Tips to Secure Your Mobile Device
9.19.16 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
As consumer use of mobile devices continues to climb, cyber criminals are targeting those gadgets more frequently. Here are 12 things you can do to protect your mobile device.
ATM skimming is a common trick hackers use. ATM Skimming - Tips to Avoid Becoming a Victim
9.12.16 | Consumer Alerts | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Many consumers know how to protect themselves from identity theft. But, many consumers are unaware of another financial scam that can impact their bank accounts: ATM skimming.
Protect your computer with these three ways to secure your information. 3 Ways to Secure Your Online Information
9.2.16 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
There's no question that the Internet makes life easier in many ways. Shopping, communicating and storing information are just a few of the ways we all use the web.
Students attending college these days have a lot on their mind, and let’s face it, identity theft probably isn’t one of them. Are College Students Risking Their Parents' Identity
8.29.16 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Students attending college have a lot on their mind, and let’s face it, identity theft probably isn’t one of them. Preparing your kids with precautions is vital to preventing identity theft.
You can't begin to get a handle on your finances until you know how much money you make and how much money you spend, and on what. Take a month to chart your finances, and get organized. Tally every expense, and then break them down into fixed and variable expenses. Ways to Make Financial Dieting a Habit
8.22.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Consumers can get blue over their lack of green, especially when bills arrive. A budget, or financial diet, can help improve your financial health. Read these tips to get you started.
Find money in the most unexpected places - saving is essential. Savings ABC 
8.15.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
It's no secret that many households are pinching pennies these days. There are two ways to save: ‘spend less’ and ‘save first.’
Use Your CD to Stretch Your Dollars
8.8.16 | Personal Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Did you know that you can use your Certificate of Deposit (CD) as collateral to secure a loan? This is a little-known, and under-utilized option that can be used to make a purchase.
Business people working on a computer. Business Account Security  
8.1.16 | Business Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Protecting your business is the most effective way of controlling corporate account takeover, which is a type of business ID theft where a criminal steals a business’s banking credentials.
safe holiday shopping is important Don't Be a Target For Holiday Hoaxes
11.9.15 | Security Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
The hustle and bustle of the holidays are upon, that means shopping, spending and traveling for many of us. These increased transactions are a golden opportunity for scammers.
A woman holding a piggy bank When is the Best Time to Start Saving?
9.21.15 | Retirement Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
There is no better time to start saving than now – Don’t Wait! It’s so easy to let other financial obligations take priority over funding your retirement. It seems so far away, yet it’s critical.
Show your family how much you care with an Estate Plan. Resolve to Save for Retirement 
9.7.15 | Retirement Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Make a complimentary appointment with a Retirement Expert. The sooner you develop a comprehensive retirement plan, the sooner you relax knowing you have a trusted investor.
Save as a family with options from The Stephenson National Bank & Trust All About IRAs
8.21.15 | Retirement Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
An individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available.
vision of the perfect retirement to a tropical island, free from care and worry What can the Retirement Experts do for me?
5.5.15 | Retirement Tips | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
What’s your vision of retirement? Our goal is to help you achieve that vision, whether you plan to travel more or to relax more, you’ll need guidance from a retirement professional.
added picture to press release page 2015 Annual Report
1.30.16 | Our Story | SNBT has a Facebook! Like us @SNBTbank SNBT is on LinkedIn! Connect with The Stephenson National Bank & Trust
Growth and change are two hallmarks of 2015 for SNBT. Growth, not only in terms of assets and profitability, but in the size of our SNBT family. Read More about 'Our Story'.