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February 2014 | Volume 11 | Issue 2

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Bank With Your Mobile Device

Use First eMobile TouchBanking to log in 24/7 with your Apple® or Android® phone. View balances, transfer money, pay and schedule bills and even pay friends and relatives with Popmoney®. Your mobile device is now the easiest way to manage your finances.

TouchBanking

Download the App today!

1) Visit the Apple App Store or Google Play Store
2) Search for TouchBanking
3) Download the App to your phone
4) Use the App code Firstemobile when prompted

First eMobile works with web enabled smart phones. Paying bills with First eMobile requires First ePay. Data rates from your cell provider may apply.

Member FDIC | Equal Housing Lender An Equal Housing Lender

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Like Us on Facebook

We have information to share! Like Us to join the conversation.

We post local event information, timely bank security subjects, bank holiday schedules, electronic banking updates, fun facts and other helpful tips. Simply follow the instructions below to “Like Us” today.

1. Visit our Facebook page - facebook/firstcommunitybankandtrus

2. Click the Like button.

3. Sit back and enjoy our bank information!

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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Customer Appreciation Events

 

Sweets for our Sweet Customers

February 13th & 14th ... Both Locations

Stop by either of our locations in Beecher or Peotone on February 13th and 14th and receive a heart shaped Dove chocolate. It’s a small token of our appreciation and a way for us to say thanks for being such great customers.

We LOVE our customers! Each and every day we strive to show you just how much by offering high-tech, high-touch products and services coupled with unbeatable customer service. We know you expect an exceptional banking experience each and every time you visit, which is why we go above and beyond in our efforts to exceed those expectations.

Throughout the year we will have other giveaways and events to show our appreciation to all of our customers. Look for more events in our newsletter each month.

 

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Investment Center News

 

What Should You Do With That Refund?

A few possibilities to consider

Presented by Clint Squier & Jim Ulman, Registered Representatives - Prepared by MarketingLibrary.Net Inc.

Will you be receiving a tax refund this year? If so, you might want to think about the destiny of that money. Here are a few options to consider:

* Start (or add to) an emergency fund. Do you have a dedicated rainy day fund? Consider setting this money aside for a tight spot you may find yourself in at another time.

* Invest in yourself. You could put the money toward education, career training or personal improvement.

* Use it for a down payment on a vehicle or real property. Real property may represent a better financial choice, but updating your vehicle may have merit - cars do wear out.

* Put it into an IRA or workplace retirement account. If you haven’t maxed out your IRA this year or have a chance to get an employer match, it may be worth considering.

* Pay down debt. Almost always a wise move.

* Get your home ready for the market. Spruce up the yard, exterior, or interior of your residence or hire a professional who can assist you with staging it.

* Improve your home with energy-saving appliances. Or windows, or weather-stripping, or solar panels – just to name a few options.

* Create your own food bank. What if a tornado or an earthquake hits? Where would your food and water come from? Worth thinking about.

* See a doctor, optometrist, dentist or physical therapist. If you haven’t been able to see these professionals due to your insurance situation or your personal cash flow, why not do it now?

* Pay for that getaway you’ve been dreaming about. If you’re debt-free and feel financially confident, perhaps you should consider rewarding yourself.

* Pay it forward. Your refund could turn into a charitable contribution (deductible on next year’s federal tax return, if you itemize deductions).

By carefully considering how to use your refund in advance, you may be able to avoid asking yourself, later, that age-old question … “Where did it all go?”

Clint Squier and Jim Ulman may be reached at (708) 946-2246.

Jim and Clint

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: * Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

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Upcoming Bank Holidays

 

President’s Day

The bank will be closed on Monday, February 17, 2014 for President’s Day.

 

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Gold Club News

Our Gold Club is for those customers who are 55 years of age or better and have at least $1,000 in any combination of accounts with our bank. Members receive increased rates on CDs, discount on check orders, two free dinners per year, and much more. First Community Gold Club is open to anyone and can be enjoyed by customers and non-customers alike. If you are interested in signing up for our Gold Club or for one or more of our trips, contact Irene Brothers today at (708) 946-2246.

 

Gold Club Dinner

Wednesday, April 23, 2014

The Annual Spring Gold Club Dinner has been scheduled for 6:00 PM on Wednesday, April 23, 2014 at the Beecher Amvets Hall. We are putting the finishing touches on the menu and will announce the theme and menu in our next newsletter in March. Be sure to put the 23rd of April on your calendar and call to reserve your seat!

Contact Irene Brothers at (708) 946-2246 for reservations.

 

Four Winds Casino Trip

Thursday, April 24, 2014

A Four Winds Casino trip is planned for Thursday, April 24th. Enjoy a day on Lake Michigan’s Gold Coast and experience games, shopping and dining at Four Winds Casino. We'll have two pick-up/drop off locations. We will be departing from our Peotone facility at 9:00 AM and returning at 4:00 PM. We will be departing from our Beecher location at 9:30 AM and returning at 4:30 PM. The cost is $30 and includes transportation, refreshments on the bus, a $10 food voucher and a $15 instant slot credit (FCB&T customers receive a $2 discount).

Contact Irene Brothers at (708) 946-2246 for reservations.

 

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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This America Saves Week:

Take Action to Improve Your Financial Situation

By Katie Bryan, America Saves Communications Director

America Saves Week, February 24 – March 1, 2014, is a time to review your finances, decide what you want to save for, and set up a system that will allow you to save automatically. That’s why the America Saves Week theme is Set a Goal. Make a Plan. Save Automatically. Did you know that only half of Americans report having good savings habits? Even if you are already saving, it’s good to take a look at your goals and decide if you can save more or start a new savings goal. Join thousands of others who are pledging to pay down debt, save money, and take financial action during America Saves Week.

Not sure what to save for or what to save for next? Here are the most popular saving goals of those who have pledged to save through America Saves:

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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7 Ways to Automate Your Savings

By Meg Favreau, Senior Editor of Wise Bread

Anybody who has ditched plans to eat a salad to scarf down a plate of nachos instead (like I did, um, yesterday) can tell you that even though we humans usually know what’s best for us, it’s sometimes difficult to actually do the right thing.

This is especially true when it comes to saving money -- for emergencies, for retirement, or for almost anything else. But there is some good news. Studies show that once we do set money aside, we’re likely to leave it there. So how do we get ourselves to save in the first place? By automating! Here are six easy ways to do just that.

1. Sign Up for Your Company’s Retirement Plan

If your company offers a 401(k) or 403(b), this is one of the best options for automatic savings. Not only do these retirement plans automatically put money you earn into a retirement account before you have the opportunity to spend it, but most employers offer a contribution match. That means that for every dollar you contribute (up to a certain amount), or employer will deposit an equal amount into your account. That’s essentially free money, and it’s one of the biggest benefits you can get at a job. Take advantage of it.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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