County National Bank’s Monthly e-News
October 2012
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Good News! CNB Still Offers a FREE Checking Account!
In a time when a flattened economy and new regulations impact bank revenues, free checking accounts are quite simply more expensive. Some banks have taken the action of increasing fees on a number of products and services to recoup lost revenue, and free checking is a product that has been affected. 
The cost of maintaining personal checking accounts for most banks is about $250 to $300 per year, according to industry estimates. Some banks report that new regulations have turned many of the accounts unprofitable, resulting in the continued decline in the prevalence of free checking. A recent Bankrate, Inc. survey found that only 39% of the major banks in the United States offer noninterest checking accounts that have no fees.

Did You Know?
A CNB Debit Card can also be used as a Credit Card

To use your CNB Debit Card as a Credit Card, it’s as simple as selecting Credit at the point of sale versus Debit. One of the benefits to you, the consumer, is you don’t need to remember or input your PIN – you just sign your name. 


Visit Us at JAXPO!

The JAXPO Business Showcase, connecting business leaders, will be held on Thursday, October 18th, from 1:00pm until 7:00pm at the Allskate Fun Center on 1313 W. North St. in Jackson.  The Jackson County Chamber of Commerce event showcases various businesses and their insights, talents, and expertise.  Come see the CNB Booth (#61) and visit with some of our branch managers and commercial lenders.  We are looking forward to seeing you!

Loan Tips for Small Business Owners
Five Tips to Increase Your Firm’s Chance of Getting a Small Business Bank Loan

Despite what you may hear in the news, banks have the funds and want to make loans to small business owners who have the ability to survive and thrive in our challenging economy – and today’s low interest rates make this an especially good time to apply.
Before you do, County National Bank advises small business owners to review the following checklist:


CNB Goes Back to School

The new school year brought several opportunities for County National Bank to participate in back-to-school events. On Monday, August 27th, members of the Hanover Office staff talked with Hanover-Horton Schools’ employees at their luncheon about direct deposit, health savings accounts, and checking and savings products. Staff members were also on hand at the elementary school during their “ABC Night”.


Veterans' Day
All CNB Offices Will Be Closed on Veterans' Day

In observance of Veterans' Day, CNB offices will be closed on Monday, November 12th.  For banking service 24/7, please visit one of our many ATMs.  We will re-open on Tuesday, November 13th.
Thank you to all U.S. veterans for their past service and to all the troops currently serving our great country!

Recharge: Power Up Your Capacity
Nonprofit Network’s 2012 Fall Conference

The Nonprofit Network in Jackson is presenting their 2012 conference, “Recharge: Power Up Your Capacity”, on Friday, November 2nd at the Jackson Campus of Baker College. The event will bring together the Jackson and Michigan community to improve and maximize the work of nonprofit organizations.


Bathroom Makeover
You can revamp your bathroom for less than you’d imagine

It’s not the largest room in your home, and as such, your home’s bathroom is likely the one room in your house that you can transform in a weekend with some quick and inexpensive projects. Upgrading more than that may take a bit longer.

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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September 2012
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