The U.S. excels at startups, but here's something America isn't starting up these days: banks.
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At the end of 2011 the Bank had quite a year. Taking a look back we celebrated 122 years in business – dating back to helping people live better lives since 1889. Since that time a lot has changed – even in 2011 we saw several changes. Outside of celebrating our 122 years, here are a few highlights of 2011. We unveiled our mobile banking application – MutualMobile. We upgraded to an improved electronic statement delivery, and offered a new checking account offering that provides customers with choices to build an account best suited for his, her, or their family’s lifestyle.
The hidden pieces that make all of this happen? The employees. Many employees have dedicated their entire career to MutualBank. In December of 2011, we held our annual years of service breakfast recognizing employees who have worked 5 through 40 years at the Bank.
I started at the bank in 1999 as a part-time teller finishing my degree at Ball State in Telecommunications. I moved to accounting after being a teller for a year. Then, I moved to the loan operations department where I processed loan paper work. Next, I began closing loans. Who knows, I may have even helped you sign the paperwork for your first home!
After closing loans I began using my education and skills learned from previous positions in the Marketing department, communicating in a variety of ways with customers like you. After a couple of years in Marketing I became Manager of the Call Center. I had never been a manager before, but MutualBank believed in me and gave me a chance – a chance many organizations would not have given. This is a testament to MutualBank’s ability to help people grow. As a company that fosters employee development, my part-time teller position took me to where I am today in the organization. As head of training and development I am fortunate to have the opportunity to welcome all new employees.
I tell new employees in orientation, “MutualBank is a great place to work. While I believe that to be true, you’ll have to find out for yourself.” As orientation continues, new employees begin to see exactly what the company really is about. Visiting with a variety of employees, including our President who treats new employees to lunch, employees begin to see a company who cares about its employees.
You, your family, and your friends have the same opportunity. MutualBank is always looking for customer service driven individuals who want to be a part of a great team. I would encourage you to take a look at our open positions and see if there is a career that awaits you. As a college student looking to make it big in the film industry I ended up finding my calling - who knew it would be working at a bank. It is without question, had I not worked at MutualBank, my career would not be what it is today. Similar career opportunities are available for others! If you’re looking for a great place to work, then take a minute to see if you might find a job opportunity with MutualBank. Who knows, maybe you'll be our next 40 year employee!
Got a dream? We’re here to listen!
David Muir came to MutualBank with a dream of a better life. He started 2008 as an unemployed “victim” of the Great Recession but ended the year with a plan for a business of his own. Muir and his wife, Michelle, decided to open a winery. The Mutual team was there to help.
Muir was referred to MutualBank by Alan Steele of the Small Business Development Corporation. Steele served as a mentor while Muir carefully assembled the components of his start-up plan. At the same time, Steele had been meeting with Client Relationship Manager, Vince Turner, to explore potential financing for innovative start-up businesses. The Muirs seemed to be a match.
Not long after, Vince introduced the Muirs to Kathy Sears of the Business Banking department. Kathy recognized the Muirs as strong candidates for an SBA loan. Soon the process was under way. It was not long before the Muirs were breaking ground.
As opening day approached, the partnership between the Muirs and Mutual continued to grow. Business checking accounts, merchant services, business debit cards - Mutual was there every step of the way.
Earlier this year, when the Dunlap financial center, in Goshen, Indiana, hosted a customer appreciation event, Fruit Hills Winery was there to serve! The Muir’s shelves are now stocked with original labels and customers are arriving from three states away to sample their wares.
Two years ago, Mutual told the Muirs to go ahead.
Today, they are living a better life.
Come share your dream with us. We want to hear it.
Years ago people had A credit card... one, uno. Rarely did people carry around two, four, six, ten, twenty plus cards in their wallet or purse. Today, people do carry that many cards and don’t even realize it. Take a look at all those card slots in your wallet. They’re full aren’t they? Debit cards, credit cards, discount cards, membership cards, rewards cards, gift cards, and access cards. I’m sure there are others, but that’s just a quick look through my Card Cubby. Yes, I said ‘Card Cubby’.
I have an official organizer for all of my cards and oh yes, they are alphabetized. It’s a great invention and I receive complements all the time on what a great idea it is. It’s an easy way to track all of my cards and a quick way to find out if I have a gift card to a store or find my discount card in line at the supermarket. (Everyone behind me in line probably doesn't want to wait for me to dig through my Mary Poppins purse to find that little 1x2 inch card so I can save a few dollars.)
Reviewing the transaction activity on your cards is just as important as knowing where your cards are. Did you know that fraudsters can steal your card number and use it without actually having the card? Logging into your online banking and credit card websites regularly, or at a minimum, reviewing your monthly statements can save you hundreds, if not thousands, of dollars in fraudulent charges.
If you carry a zero balance on your credit cards, it’s still important to see if there has been any activity. If you don’t have a balance that means there is more spending money available for the fraudsters. (If you don’t recognize a merchant name, do a search online because it might be a parent company.) It is important to contact the merchants where the fraudulent transactions are coming from and explain that they are fraudulent transactions. Also, It is extremely important to contact your bank or credit card company to close your card. Without closing your card and getting a replacement with a new number, fraudulent charges can continue to hit your account.
I login to my online banking and credit card websites weekly. Last month I had $4,000 in fraudulent charges in Texas on a credit card I rarely use and was in my possession. WOW! I contacted the merchants and called my credit card company right away. Because I didn’t wait to notify them, I’m not liable for the charges. If I would have waited days, weeks, or months, I could have been liable for some or all of the $4,000. When you notice fraud, don’t wait to take action. The longer you wait, the more time fraudsters have to take your money. (And the greater chance you’ll have to pay for it.)
Having and using these cards make our lives on-the-go easier and more convenient. We don’t have to worry about carrying cash; just swipe, earn rewards points, and go. I couldn’t live without my debit card and don’t intend to stop using it any time in the future, especially with all the rewards points I earn. And yes, I cash those points in for more gift cards to keep in my Card Cubby.
We're serious about doing all we can to protect you from debit card fraud. MutualBank customers can call 800-382-8031 to report any instances of fraud or suspicious calls.