Neighbors of Clinton County Magazine
Neighbors of Clinton County Magazine Occasionally, staff from Germantown Trust & Savings Bank will write an article that is published in our local magazine, “Neighbors of Clinton County”. You can find a selection of our previously published articles below. We hope you enjoy these articles and find them informative!
Keeping Your Money Safe While on Vacation
Planning a vacation requires careful preparation, including managing your money safely. While traveling is an exciting and rewarding experience, it is also a time when theft or fraud can derail your plans. Ensuring you have enough money for your hotel, transportation, food, and leisure activities can make or break your trip.These 7 travel tips will […]
Surviving High Cost of Living
Inflation. The rate of increase in prices over a given period of time. We’ve all dealt with it throughout our lives, but over the last few years the increase has been drastic. The high cost of goods we are all experiencing is now the number one stressor for adults across the country. It’s true that […]
Staying Ahead of The Scammers
Criminals are constantly trying to steal consumers’ personal data through fictitious emails, websites, phone calls, and even text messages. These attempts by fraudsters are called phishing attacks. Phishing is a type of scam that targets consumers primarily by sending emails or text messages that appear to be from reputable sources such as your financial institution, […]
Strong Roots Ensure Steady Future
Germantown Trust & Savings Bank (GTSB) is a business name that has long been synonymous with Clinton County. The bank, a fixture in the community for 117 years, weathered the Great Depression and every recession of the 20th and 21st centuries. It has overcome multiple changes in ownership and conquered any fiscal, operational or human […]
What Is A Community Bank?
A community bank is a depository institution that is typically owned and operated locally. Therefore, community banks have a deeper understanding of the needs of their customers and can provide a more personalized experience than their larger counterparts. Community banks focus on the families, farmers, and businesses in the neighborhoods where their account holders live […]
Balancing Your Checkbook
The first step in balancing your checkbook is to keep good records of your monthly activity. The best way to do this is by keeping a check register. Be sure to write down all of your deposit and withdrawal activity throughout the month. Even if you’re writing a check for a can of Ski at […]
Beneficial Ownership Information (BOI) Reporting
Business Ownership Information (BOI) Filing 03/02/2025 – Legal Notice – On March 2, 2025, the Treasury Department announced it will not enforce any penalties or fines associated with the Beneficial Ownership Information (BOI) reporting rule under the existing regulatory deadlines, and further not enforce any penalties or fines against U.S. citizens or domestic reporting companies […]
General FAQ
I have my accounts at Bartelso, can I make deposits, payments, and withdrawals at other facilities (Germantown, Beckemeyer, or Breese)? YES! It does not matter where you opened your accounts or where you “normally” do business; you can make deposits, payments, and withdrawals at any of our four facilities. Please be patient when using a […]
Loans FAQ
How long do you amortize residential real estate loans? Mortgages on residential real estate loans may be amortized in accordance with State law, but not longer than 30 years. Do I need a down payment for a Residential home loan? Yes; the loan-to-value shall not exceed 85% on a variable rate loan, and the loan-to-value […]