Where you choose to bank matters. That’s the message that the Independent Community Bankers of America® (ICBA) and Audubon Savings Bank are sending loud and clear throughout April, which is ICBA Community Banking Month. Consumers have the power to make change happen at the community level by aligning with their community bank and putting their money to work in the neighborhood that they call home. See ICBA’s new Community Banking: Know the Difference video, which helps break it down.
“Audubon Savings Bank is honored to serve the lending needs of Audubon and surrounding communities. We care about our customers and are dedicated to helping our local residents and town thrive,” said Ken Stephon, President and Chief Executive Officer of Audubon Savings Bank. “ICBA Community Banking Month gives us an opportunity to celebrate community banking here and in communities across the nation, and to spread the positive story of our industry and the communities we serve.”
“Your choice of bank is your vote on where your money goes. Is it reinvested back into your own community, or is it sent off to a banking hub in another state or halfway around the world?” said third-generation community banker Rebeca Romero Rainey, ICBA’s chairman and chairman and CEO of Centinel Bank of Taos, N.M. “When you deposit funds in your community bank, that money is redistributed back into the community in the form of loans to residents and entrepreneurs.”
From local farms to craftsmen to startups, banking locally with a community bank connects you to your community and your neighbors and gives everyone a stake in its financial success. Here are a few reasons why:
For more facts and statistics about community banks, click here.
- Community banks respect the communities they serve by doing right by their customers and community. Community banks and local communities have symbiotic relationships—one cannot thrive without the other.
- Community banks are relationship lenders. They know their customers and understand their financial needs, unlike larger institutions that take a transaction-based approach to banking.
- Community banks understand and celebrate local economies. As small businesses themselves, community banks are an unequivocal resource for entrepreneurs looking to launch a local small business. A study from seven Federal Reserve Banks found that small businesses that apply for loans with community banks are the most successful and most satisfied. ICBA celebrates local entrepreneurship on the third Wednesday of every month with Go Local Wednesday, during which community bankers and consumers share stories about supporting local businesses via social media.
- Community banks give back. Serving local communities is second nature to community banks, as reflected in ICBA’s Community Bank Service Awards.
To follow the ICBA Community Banking Month conversation on social media, follow the #BankLocally hashtag on Twitter.
Chip cards are a significant leap forward in protecting you against fraud and enhancing your payment experience. With our new Audubon Savings Bank Mastercard® Debit Card, you will be able to take advantage of this new microchip technology!
The Independent Community Bankers of America®, the nation’s voice for more than 5,800 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services.
How Do I Make a Chip Transaction?
When you use our chip card in a chip-enabled terminal, remember: instead of swiping the card, insert it into the reader and leave it there until the terminal prompts you to remove it.
At chip-enabled terminals, insert the card with the chip toward the terminal, facing up. Do not remove until prompted.
Provide your signature or PIN as prompted by the terminal. If the amount is low, you may not have to do either.
When the terminal says the transaction is complete, remove the card.
What If the Terminal Doesn’t Accept Chip Cards?
You may encounter a merchant that has a chip terminal but isn’t accepting chip card transactions yet. Even if the terminal is not yet chip-enabled, you can swipe the card’s magnetic stripe as you always have.
Contactless Chip – Faster Checkout with Greater SecurityIf the merchant terminal displays the contactless chip symbol then you can also tap and pay with a card, or select iPhone® and Apple Watch™ devices with Apple Pay™! (For more info on Apple Pay, click here.) Contactless chip technology provides a secure and convenient way to pay — just tap and go!
Peace of mind, ease of use. That’s what you can look forward to with our new Audubon Savings Bank Mastercard® chip cards!
Supported cards may vary. Apple Pay works with select iPhones® and Apple Watch™. For a full list of compatible Apple Pay devices visit www.apple.com/apple-pay. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Apple Watch and Touch ID are trademarks of Apple Inc. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. © 2017 Mastercard. All rights reserved.
As part of America Saves Week 2017, scheduled for February 27 – March 4, 2017, Audubon Savings Bank is spreading the saving message and encouraging our customers to make savings automatic! A little bit each day can go a long way! Here are some savings tips to keep you active throughout the week:
Monday, February 27: Save AutomaticallyIt can be hard to put aside money for savings, but there is an easy way to save money without ever missing it by making your savings automatic in 2017. Already saving automatically? Find ways to automate other aspects of your financial life this year.
Tuesday, February 28: Family Savings DayGood savings habits start at home. Whether you’re budgeting, saving, making retirement decisions, or assessing work-place benefits, share the choices you make with your children, no matter their age.
Wednesday, March 1: Save for RetirementSaving now for retirement will ensure you have enough money to have a comfortable standard of living when you stop working or reduce the amount of hours you work. Participate in a work-related retirement program, open up an Individual Retirement Account (or IRA), or open a free and easy myRA account. Already saving for retirement? Increase the amount you save toward retirement by 1 percent in 2017.
Thursday, March 2: Saving at Tax TimeSaving a portion of your tax refund can be a big step toward meeting your savings goals. This tax season, get ahead of your financial goals by splitting a portion your tax refund into savings, and reward yourself with SaveYourRefund by entering to win one of 101 prizes.
Friday, March 3: Pay Off High-Interest DebtWith planning, discipline, patience, and maybe some outside help, almost anyone can reduce their debts and start to accumulate wealth. Find places to cut your spending so that you can pay down your debts faster and find places to trim your expenses.
Saturday, March 4: Save for EmergenciesAn emergency savings fund consists of a small amount of money, usually in a savings account, that you do not have easy access to. Saving for this fund starts with small, regularly scheduled contributions that build up over time.
Back for another year! Starting out 2017, our Audubon Branch has picked the first charity: the National Kidney Foundation! An Audubon Branch employee thought it would be a great “thank you” for her niece, who recently received a kidney transplant just 2 days before her birthday on December 31st! Talk about a wonderful gift!
If you would like to learn more about the National Kidney Foundation, you can visit their website at www.kidney.org.
We would also like to thank the Susan Marie Rupp Foundation for their wonderful letter of thanks for last quarter’s donation:
On behalf of the Susan Marie Rupp Foundation, we sincerely and most graciously thank you for your donation we received, that was made in heartfelt support of our Foundation by the Audubon Savings Bank, Pine Hill, NJ Branch officers and staff.
Please know that your “special donation” will enable the Susan Marie Rupp Foundation to continue their “Teal Ribbons of Hope” campaign to promote the awareness and symptoms of the deadly disease—Ovarian Cancer.
The Susan Marie Rupp Foundation began their “Teal Ribbons of Hope” campaign in memory of Susan in 2010, with a goal that our efforts to inform others of the symptoms of this deadly disease may prevent other families from suffering the loss of a loved one.
Your grateful donation will support our efforts to attain this goal.
SUSAN MARIE RUPP FOUNDATION
Ruth Mc Cullen,
Thanks to all of our Bank employees for their continued generosity and for making a difference in our local communities! Here’s to a great 2017!
What is CardValet?
One app to control your debit card.Save time and gain peace of mind knowing you can control the card in your wallet on the phone in your pocket with our new CardValet® app.
- Get real-time notifications when your card is used
- Restrict transactions to a certain area using your phone’s GPS.
- Set security preferences to match your spending habits for your debit card.
- Set spending limits for every transaction.
- Enable or disable your card to be used within certain merchant categories such as gas and groceries, hotel and travel.
- Lock and unlock your card with a few taps on your smartphone.
Control SpendingSpending limits or establishing thresholds by merchant type can be easily customized with the CardValet app. You can set limits on things like gas, groceries, retail stores, or even by location. Changing these parameters can be done at any time, so you can modify your controls for daily use, vacation time, or around the holidays to fit your spending needs.
Fraud ProtectionBe even more proactive in protecting your debit card against fraud with controls that let you turn your debit card “off” when you are not using it. When your card is “off,” no new withdrawals or purchases can be authorized. Take advantage of additional safeguarding features such as real-time alerts on your card activity and geographic parameters to limit where your card may be used.
Monitor Business UseControl business spending on a debit card with CardValet. Use the transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.
Review Balances and TransactionsMonitor your finances from anywhere. Use the CardValet app to check your account balances and set alert preferences to keep you informed of your account activity.
Download CardValet Today!
To get started, download CardValet today on the Apple® App Store or Google Play® Store from your compatible mobile device. For instructions on how to enroll, click here.
*Data rates may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. © 2016 Fiserv, Inc. or its affiliates. CardValet is a registered trademark of Fiserv, Inc.
Come stop by our Audubon Branch where Branch Manager Sean Ferguson will be selling tickets to the Audubon Haddon Twp. Oaklyn Rotary Pancake Breakfast! The event will be held on Saturday, December 3rd from 8:30 AM – 12:00 PM. Sean will also be dressed as Santa and taking pictures with anyone who would like one!
Tickets for the event: $5.00
Tickets for Picture with Santa: $5.00
Proceeds will benefit the Club Scholarship Fund & Rotary Youth Leadership Awards!
Haddon Twp High School Cafeteria
406 Memorial Avenue
Westmont, NJ 08108