Welcome to Volume 1 of our new quarterly Guthrie County State Bank 

e-newsletter! 

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Thank you for reading!

Whether it's family, friends, business associates or keeping an eye on your banking and financial matters, we all thrive on staying connected to the most important people, places and information in our lives. At Guthrie County State Bank, we offer a variety of ways for you to connect with us and track your accounts.

To help you stay connected to all your communities, we're giving away two Apple® iPad® 4th Generation 16GB with Retina™ display + Wi-Fi, one at each Guthrie County State Bank location! Register to win online at gcsbank.com or at the bank starting August 1, 2013. You can also get signed up for online banking, to receive our new e-newsletter or to receive your statements electronically! For more information, connect with one of our personal bankers.  

Back To School With Visa® Debit

As the final weeks of summer slip away, you may be preparing your teenagers financially to head off to college or to manage their earnings from their summer job to last throughout the school year. One way to help them is to attach a Visa Debit card to their checking or savings account. Among the many benefits to using the Visa Debit card:

• Eliminates the need to carry large amounts of cash.
• Both students and parents can easily track daily transactions.
• Visa is accepted in more than 24 million locations worldwide.
• Parents can easily transfer funds between GCSB accounts for easy budgeting.
• If the card is lost or stolen, GCSB can quickly block the card.
• SHAZAM, our network provider, has excellent fraud protection systems in place to track activity on the card to protect your and your students' hard-earned money.

For more information on Visa Debit for your student, stop by either of our locations or visit our website . 

P A W S Accounts Encourage Young Savers

With the advent of virtual money and person-to-person electronic payments, how do you teach your child the process and the value of saving money? If you believe that it's important, one way to do that is to open his or her own savings account. Guthrie County State Bank offers a fun way to save with our Pennies Are Worth Saving (P A W S) account. With prizes for achieving certain savings levels and free access to coin counting machines, it makes savings fun, an important factor in keeping their interest in the process! For more information on P A W S accounts, stop by one of our locations or visit our website .  

TRAVELING SOON? TIPS TO AVOID POTENTIAL FRAUD.

As the summer travel season winds down, don't let your guard drop while you are on vacation. Unfortunately, you can't take a break from protecting your identity and your financial tools like debit and credit cards. Fraudsters can take advantage of relaxed vacationers and swipe personal information and credit/debit cards. Here are a few tips to help avoid the inconvenience of fraud while you are enjoying your summer getaway:

1. Contact us: If your bank is unaware you're traveling out-of-state or internationally, they may freeze your account when a purchase is made there.
2. Clean out your wallet: Take only the credit and debit cards you need, and make sure your limits are high enough to cover all expenses.
3. Visit the copy machine: Copy or scan the front and back of each card you plan to take.  Be sure your account number and toll-free customer service number are legible.
4. Keep an eye on your cards: Food servers and store clerks can steal card information easily with a skimming device, so don't let your cards out of sight.  If that's not possible, consider paying with cash.
5. Monitor your account frequently: Checking your account balance online helps you spot unauthorized use quickly.

With a little pre-trip planning and conscientious monitoring while on the road, you can help avoid frustrating and inconvenient fraud issues while you are enjoying your summer vacation. 

Upcoming Events

August and September are big event months in our community. You'll see your friends from Guthrie County State Bank participating in Panorama Days, August 2 - 4 and in the Guthrie County Fair, August 29 - September 2.

Our GCSB Heritage Club sets sail on an Alaskan Cruise on August 3 - 14. The next Heritage Club social event takes place at 9:00 a.m. on August 21 at the Guthrie County Fairgrounds for a behind-the-scenes look at this great community event. For more information on Heritage Club events and benefits, visit our website. 

Both bank locations will be closed on the following days:

• Monday, September 2 - Labor Day
• Monday, October 14 - Columbus Day
• Monday, November 11 - Veteran's Day