Greetings!
Thank you for being a Lapeer County Bank & Trust Co. customer! We are very excited to offer you our free Business Connections Quarterly Newsletter. Our goal is to offer an informative, beneficial tool to help your business grow and prosper. We look forward to your comments and suggestions for the coming issues.
President and CEO
Lapeer County Bank & Trust Co.
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Product Feature
eDeposit Remote Capture Solution
Checks waiting to go to the bank represent unusable funds to your business. With Lapeer County Bank & Trust Co.'s remote deposit service, you can scan and electronically deposit your customers' checks without leaving your office. Checks are electronically deposited into your account the same day you scan them, eliminating the need to race to the bank before the daily deposit deadline. In addition, images of the scanned items are readily available on your computer for easy reference.
The advantages:
- Receive funds faster
- Eliminate the need to take checks to your bank
- Enjoy later, daily deposit deadlines of 6:00 p.m.
- Offers speed, savings, convenience and security
- Find out about returned items quicker
- No need to purchase, install or maintain software
- Improves efficiency and profitability
How does eDeposit Remote Capture work?
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Log onto the Internet to our secure eDeposit site
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Feed your check into the scanner
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Enter the amount of the check
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Hit "submit"
Each month your business is billed for transactions and a monthly access fee. It's that simple! If you would like to see if this product is right for your business contact Marsha Kalakay at 810.245-2909 or mkalakay@lcbt.com.
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Customer Spotlight
 iSHRED
was established in 2004 to service the growing needs of todays' information sensitive businesses, such as medical facilities, financial institutions, mortgage companies and schools.
Dan says, "Our success stems from our commitment to maintain the highest level of security, understanding our client needs and doing everything it takes to exceed our clients' expectations. From your home front door to a business with thousands of employees, we are small enough to care but large enough to handle any job.
We provide our clients with the most efficient state-of-the-art "No Touch" shredding service available. Our mobile shredders are capable of shredding 6,000 pounds per hour. This equates to savings, lowering the price without the sacrifice of service and security."
Dan & Alisha Milliken
www.ishredit.com
If you are interested in spotlighting your business in this section, please send a brief description, quote and logo to Business Development. |
Trust & Wealth
Investment Planning
 At Lapeer County Bank & Trust Co., the TRUST part of our name is the work of our Trust & Wealth Department. Families often choose the bank to serve as their trustee because we can act as an outside impartial third party to serve the interest of all beneficiaries equally.
Finding good help for investment management is no easy matter. It's a bit like selecting a doctor. You have to find someone you can trust, someone with whom you feel comfortable. That someone should be us. We offer unbiased investment advice, designed with the needs of you and your family in mind. Our professionals can offer you a wide range of financial solutions to fit your individual needs. If you haven't taken advantage of our services, we invite you to make an appointment to learn more about how we can help you.
Ernie Miller
Vice President and Trust Officer
810.245-2934
Not FDIC Insured · No Bank Guarantee · May Lose Value. Not a deposit. Not insured by any Federal government agency.
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Money Matters
Individual Retirement Accounts
 Now is the perfect time to open a NO ANNUAL FEE IRA at LCBT. You still have time to qualify for contributions in 2009 or open an IRA today for 2010 and watch your retirement fund grow. Contribution limits are $5,000 for 2009 and $5,000 for 2010. For those age 50 years or more an additional $1,000 catch up contribution can be made for a total of $6,000 in both 2009 and 2010. LCBT offers great rates on Certificates of Deposit IRA accounts. For more information about this investment product, please contact your local office. | |
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Free Community
Shred Days
Imlay City Office
· April 17, 2010
Main Office
· May 15, 2010
· October 16, 2010
This event is free to the public. Stop by any time between 9:00-Noon to drop off your shredding. More Info
Walter "Walt" Bargen joins the Imlay City Office as the Business Development Specialist. Walt brings 32 years of banking experience in Commercial Loans, Mortgage Loans and Collections. If you would like to set up an appointment to discuss business products and services with Walt, he can be reached at 810.245-2948 (office),
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Ask Us...
Do you have questions about banking related topics? Chances are your peers have the same questions. Submit your questions to Business Development and we will post a few Questions & Answers here each quarter. |
Question:
There are so many places advertising free credit reports. Where do I go to get a FREE Credit Report?
Answer:
In accordance with the Fair and Accurate Credit Transactions Act (FACT Act) Annual CreditReport.com was created as a centralized service for consumers to request free annual credit reports.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.
With the widespread threat of identity theft you are encouraged to regularly review your credit report for unauthorized activity. If you have signed up for an identiy protection company, for example LifeLock, keep in mind that the free credit reports they offer are most likely from this service.
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| Just for Fun...
The U.S. has not changed the historic figures on paper currency since 1929. Should a vacancy open, deceased applicants need only apply. U.S. law, passed in 1866, prohibits portraits of any living person on currency.
Major Case of Writer's Cramp
In 1861, when the U.S. issued its first major issue of paper currency, each note had to be signed by hand by representatives of the Register of the Treasury of the Treasurer.
Handwritten signatures lasted only one year, when signers complaining of writer's cramp petitioned for new legislation allowing the signatures to be engraved and printed right on the currency.
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