The Wilke S. and James W. Lemon Scholarship 2008-09
SCHOLARSHIP - $3500 awarded to local students

The Friendship State Bank awarded 7 $500 scholarships to students in our community. Scholarships were awarded to students at the following schools:

Batesville: Kristen Giesting

Jac-Cen-Del: Audrey Huffmeyer

Milan: William Bruns III

Rising Sun: Kevin Gregory

South Dearborn: Lyndsay Minnich

South Ripley: James Lafary

Switzerland: Kyle Walcott


Money Smart Program Available As Podcast/MP3 Files
Popular Kids Educational Program Now Free!

There are 44 courses ranging from the basics to budgeting ready for you to download at the FDIC's audio resources page. These are perfect for kids, high school students, and even adults who need to brush up on their financial know-how. Here is the link. Enjoy!


The Grand Prize Winner to receive a digital camera!
Kid$ave! Photo Contest Winners Announced Soon

The 2009 Friendship State Bank Kid$ave Annual Photo Contest winners will be announced soon! This year, the theme is "Friendly Faces and Places." The Grand Prize winner gets a digital camera and a $200 Savings Bond. 6 Runners-Up get prizes too!

Check out winning pictures from previous years HERE...


Federal Deposit Insurance Corporation (FDIC) News
FDIC - Informative Update Available

Questions about FDIC coverage? This FACT SHEET explains it all!


Protect your personal, non-public information and privacy
Scammer Alert
- Please Read!

Just a friendly note to remind you that we will never call or email you requesting your personal account information such as your account number, user name, or password. We may ask you this information when YOU call US, but we will never call or email you for that information. There is currently a wave of scam phone calls affecting another bank in the area, and we wanted to remind you to keep your personal information safe.


The Wilke S. and James W. Lemon Scholarship 2008-09
SCHOLARSHIP - $3500 to local students

The Friendship State Bank will award 7 $500 scholarships to students in our community. Students at Jac-Cen-Del, South Dearborn, Switzerland County, Milan, South Ripley, Rising Sun, and Batesville were given the opportunity to apply online through March 15. We are currently evaluating the applications.


Fun, Food, and Friendship Bucks!
THANK YOU, BATESVILLE, FOR THE WARM WELCOME ON A FRIGID COLD DAY!

Hundreds of people joined us in opening your new community banking office on Saturday, January 17. Click for pics!


Internet Banking's FREE Bill-Pay is Safe, Secure, and Easy
CUTTING BACK ON COSTS?- USE FEWER STAMPS

The Friendship State Bank's Free Real-Time Internet Banking is the best way to have instant access to your accounts in real time. Our Bill-Pay services is also free and easy to set up. At 42-cents a stamp, the savings can add up fast! Click on the DEMO link under the log-in section at the above right.


SOLUTIONS FOR HEALTH CARE COST MANAGEMENT
Health Savings Accounts (HSAs)

The Friendship State Bank offers a no-nonsense Health Savings Account (HSA) designed to save you money, earn you interest and make it easy for you to withdraw funds from your account to pay for your "high deductible health care plan" expenses.

Before you take the HSA plan handed to you by your health insurance provider, consider the terms of our account.

Already participate in an HSA? Ever buy aspirin? Check out this list of HSA Eligible Medical Expenses - you may be pleasantly surprised!


No Minimum Balance - No Minimum To Open - No Debit Fees
FREE BUSINESS CHECKING -- Now!

The Friendship State Bank Free Business Checking account is
for your business. Enjoy the benefits of FREE Business Checking.

Click here for more info.


Secure-ID account now available with protection!
Worried About Identity Theft?

Click the logo for full information on your
new account for ID-Theft Protection!


New helpful guide from the FTC for your business
Your customers worry about ID Theft!

If you manage or own a small (or large) business, you should read this informative pamphlet from the Federal Trade Commission: Protecting Personal Information - A Guide for Business. Look for other great tools and info in our Money Management Tools section as well.


Kids' Photo Contest Theme is "Friendship Means...."
Leah Wafford is grand prize winner!

Congratulations to our grand prize winner and 6 Honorable Mentions. Leah Wafford's "Friendship Means Dancing Into The Future Together" was chosen by our judges to win the digital camera and $200 US Savings Bond. You can see all of the fine winning photographs HERE...


Useful guides to help you with a variety of money matters
Money Management Tools - NEW INFO NOW!

A new collection of Money Management Tools are now available for you to learn from and use. Topics such as Payday Loans = Costly Cash, Knee Deep in Debt, Effective Strategies for Saving, Balancing Your Checkbook, and 7 Steps to Better Money Mangement are now at your fingertips -- find out more here.


Meet Our Investment Representatives at any bank office
Need Help with Your 401(k) or IRA?

Friendship Securities and Investments representatives can help you open a new IRA or roll over old or current 401(k) and IRA accounts. FSI features mutual funds from highly-rated fund families -- don't settle for less. Call today for an appointment: 877-667-5101.

Note: Investment products are not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by the bank; and may go down in value.


Giving the Bounce to Counterfeit Check Scams
Scams Include "International Lotteries," more

Many of you have received e-mails or letters describing untold riches that are yours for the taking -- you won a lottery! Please read the following report from the Federal Trade Commission (FTC) regarding this important matter -- .pdf file here.


IDENTITY THEFT
Phishing & Pharming - Know the threat!

A quick primer on identity theft and the policies of your community bank -- find out more here.


Teens + Money = Confusion? Start Here!
FDIC Start Smart: Money Management for Teens

A new guide is available on the FDIC web site to teach you and your teens how to save, spend and protect their cash. You can view the info online, or download a .pdf file -- find out more here.


PROTECT YOUR VALUABLE ITEMS & DOCUMENTS
Safe Deposit Boxes Now Available

Safe deposit boxes offer an affordable and secure way of storing critical documents. The safety of our vaults protects items in the event of a personal emergency or tragedy.

Boxes start at less than $1.00 per month, charged annually. Sizes vary by location and range from a 3" high by 5" wide box, to a spacious 10"x10" -- perfect for storing numerous items of value.          The Friendship State Bank is not liable for any losses due to
         natural disaster or box damage at The Friendship State Bank.

REMINDER: The contents of Safe Deposit
Boxes are NOT FDIC insured.


For your convenience...

Identity Theft Protection
Reduce your chances of becoming a victim of Identity Theft! Take action now to protect your identity with Deluxe ID TheftBlock. You can opt to sign up, for $4.49/month directly through Deluxe. This service is also a part of the Friendship Secure-ID Checking Account. At the Deluxe site, you will choose either a regular sign-up, or sign-up with an access code provided to you when you open your Secure-ID Checking Account.
Sign Up At the Deluxe Site - Click Here