Hours:

Monday - Friday: 8:30 a.m. to 4:30 p.m.

Drive-up: 8:00 a.m. to 5:00 p.m.

Saturday Drive-up: 8:00 a.m. - 10:00 a.m.

School Bank - Thayer Central Elementary - Wed. 9:00 a.m.

Promoting Young Savings Habits

P.O. Box 109 Hebron, NE 68370

402-768-6027

Thayer County BankReliable Financial Partneryour

Thayer County Bank

HEBRON, NE

Thayer County BankReliable Financial Partneryour

www.thayercountybank.com

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ThayerCountyBankhostedtheirannualChristmasOpenHouseonWednesday,

December16th.Weservedmeatandcheesetrays,aswellascoffee,applecider,andhomemadedesserts.Wealsoraffledoffsomegiftbaskets,fullofavarietyofgoodies.Thankyoutoeveryonewhowasabletoattendand

helpingmakeitanothersuccessfulChristmasOpenHousethisyear!

MerryChristmasandWishesforaProsperous2016!

Wethankyou,ourcustomersforallofthevaluedbusinessthatyoudowithThayerCountyBank.Thisyearhasbeenamonumentalyearforourbankundergoingthelargestone-timeupgradeofourcomputersystemsinour141yearhistory.IamsurewehavehadothergrowingpainsoverourhistorylikeourinitialconversionfromhandpostingtocomputerizedpostingbutatourBankthatwasatransitionoverseveralyears.In2015allsystems,fromaccountingtointernetbanking,receivedanupgradewhichsignificantlyimprovedthesecurityofourfinancialinformation.Inadditiontothankingyouforyourbusinesswewanttothankyouforyourpatiencewithallofourchangesthisyear.Changesfor2016willcontinuealthoughwehopeatamuchmoremoderatepace.OnthehorizonwillbethereplacementofourdebitcardswithnewEMVequippedtechnology.Pleasereadmoreaboutthatfurtherin.Informationsecuritycontinuestobeagrowingchallengedoingbusinessdigitally.Wehavededicatedasizableportionofthisnewslettertothistopic.Also,watchoutusingyourcreditanddebitcardsatthegaspump.Nebraskahasseenanumberof"skimmers"beingusedwhichhaveaffectedmanycustomers.Eachpersonmustusetheirownvigilancewhenusingtheircards.EventheEMVcardsarenotacure-allfortheseproblems.Wearesothankfulinourcommunityforsomanyprojectssuchasthenewcommunitycenter,theconstructionofthewellnesscenteratThayerCountyHealthServices,andthesuccessofourvolunteertheater.Itisgreattocontinuetoseenewbusinessesstartupandotherstransition.Let'sthankourlocalbusinessesbydoingbusinesswiththem.Weknowthatweallhavemanychoiceswherewebankorwhereweshop.Wejustwanteveryonetokeepinmindthemanyotherwaysthatdoingbusinesslocallycomesbacktofeedourlocalcommunity.

OurwishesforpeaceandprosperitytoyoufromallofusatThayerCountyBank.

Pre SortStandrd

U.S. PostagePAID

Permit NO.1Hebron, NE

68370

TitanBanking

DidyouknowthatThayerCountyBankhas

anotherBranchcalledtheThayerCentralTitan

Branch?

Of�iciallyopenedinAprilof2007,Thayer

CountyBankinconjunctionwiththeUNL

NebraskaCouncilonEconomicDevelopment

welcomedelementarystudentstomakedepositsintotheirown

personalsavingsaccounts.TheTitanBranchisstaffedby6thgrade

tellersandbankpersonneleveryTuesdaymorningduringtheschool

year.

TitanBankinghascontinuedbeingsuccessfulintothisschool

year,withanall-timerecordof52studentsmakingdeposits

duringthe�inaldepositof2015.

CongratulationstoMrs.Heinrichs’sClass**100%Savers**

Pictured are photos from our Open House,

our gift baskets and some of our lucky

raffle winners.

Todaythereareunlimited

instancesoffraudandscams.

Intoday'sworldanybodycan

becomeavictimoffraud,but

bytakingprecautionsyoucan

helpminimizethatrisk.When

itcomestofraudandscams,if

somethingseemstoogoodto

betrue,itprobablyis.Hereare

afewtipstohelppreventyou

frombecomingavictimof

fraud:

•Neverwiremoneytostrangersorsellerswhoinsist

onwiretransfersforpayment.Conartistsoften

insistthatpeoplewiremoneyorsendfundsthrough

companieslikeWesternUnionorWalmart’sMoney

Gram.Theydosobecauseitisnearlyimpossibleto

reverseortracethemoney.

•Monitoryouraccountsregularly.Signupforonline

banking,ifyouarenotalready,andmonitoryour

accountsregularly.Ifyouseeachargethatyoudonot

recognize,contactyourbankorcardissuer

immediately.

•Don'tbeafraidtoaskforhelpifyouarenotsure.

Researchshowsthateverybodyisscaredofaskingfor

helpandlookingunintelligent.Avastmajorityof

peoplegetdupedbyscamsandfraudulentactivity,

don'tthinkthatyouarealone.Ifyousensethat

somethingmaynotbelegitimate,donotproceed.

Contactsomeoneyoutrust.Itneverhurtstoexplain

thesituationandgetanotheropinion.

•Onlydobusinessonlinewithcompaniesthatyou

arefamiliarwithandcomfortablewith.When

purchasingitemsonline,itisalwaysbesttouse

paymentprotectedplanssuchascreditcardsoronline

payservices,likePayPal.Don’tprovidebankaccount

numbers.

•Ifsomeonecontactsyouwithlow-risk,high-return

investmentopportunities,stayaway.Whenpeople

insistthatyouactnoworsendcashimmediately,do

notparticipate.Avoidsalespitchesthatofferbigprofits

withthepromiseoflittleornofinancialrisk.Thisgoes

backtothefactthatwhensomethingseemstoogood

tobetrue,itprobablyis.

•Beawareofcomputertakeovers.Manycomputer

viruseswilltakeoveryourcomputerandtellyoutocall

anumber.Theymayoffertohelpfixyourcomputerfor

achargeorbyremotelytakingoveryourPC.Ignore

thisrequestandshutyourcomputerdown.Calla

computerstore,explainthesituationandgetadviceof

howtohandlethesituation.

•BeawareofATMand/orcardskimming.ATMand

cardskimmingisbecomingmoreandmorecommon–

notjustinlargecities,butalsoinsmalltowns.Italso

includesgaspumpsandkiosks,aswellasATMs.

•ATMSkimminginvolvestheattachmentof

electronicdevicesonoraroundtheATMforthe

purposesofcapturingboththemagneticstripdata

containedonthebackofadebitcardaswellasthePIN

numberthatisenteredbythecustomerwhenusingthe

ATM.Thedevicesusedtocapturetheinformationwill

varyinshapes,sizesanddesignsbutaremadetobe

unobtrusiveormimiclegitimatedevices.

•Whenprotectingyouraccountagainstcard

skimmingthieves,itisallaboutawareness,paying

attentionandunderstandingtherisks.Beloware4

tipstohelpprotectyoufromcardskimming.

1.Coveryourpasswordwithyourhand–Hiddencamerasaredisguisedsotheycanpickupyourpassword.Byprotectingit,ATMthievescan'taccessyouraccount.

2.UsefamiliarATMsandlimityourvisits–ATMsindimlylightedspotsorusedlateatnightcouldbemoresusceptibletofraud,whileATMsundervideosurveillancecanbesafer.TrytouseATMsthatyouarefamiliarwithandkeepyoureyeoutforanythingthatlookssuspiciousordifferentthannormal.Also,trytolimityourvisitstotheATM.Withfrequency,there'srisk.

3.ObservetheATM–ItisalwaysagoodideatotakealookattheATMpriortousingit.Makesurethecardslotlookslegitimateandnottackedon.IfitseemsthattheATMmaybecompromised,don'tenteryourPINandtryadifferentATM.

4.Checkbankbalancesfrequently–Itpaystocheckyouraccounttransactionsfrequentlytomakesuretherearenotanyunusualwithdrawalsorfraudulentactivity.Youcanalsosignupfordifferentaccountalertsthroughyouronlinebankingaccount.

Estatements/OnlineBanking“YourTimeIsImportantToUs”Weallleadbusylivesandthat'swhywewanttoshowyoumanywaysthatOnlineBankingcansaveyoutime.Allyourbankingneedscanbefulfilledwithoutleavingthecomfortofyourhome.TCBonlinebankingisasafeandsecureenvironmenttocompleteallyourroutinebanking.

• Manageyourfinancesfromanywhere• Convenience–Bankasyouare–nowaitingorlines• Payyourbillselectronically• Setaccountalertsontransactionsand/orbalances• Viewcheckimages• Scheduletransfers• Issuestoppaymentsonasinglecheckorrangeof

checks• Makeloanpayments• Controlstatementpreferences

Areyoureadyto“de-clutter”yourlifeintheNewYear?Arethepapers,bills,etc.buildingupatyourhome?OnlinebankingandE-Statementsarethesolutionforyou.Wehavemanyproductstohelpcutdownontheclutterinyourlife.

HerearemanybenefitsofE-Statements:• Accesstoyourstatementatanytimethroughyour

onlinebanking.• Nowaittimeforthemail.Obtainyourstatement

immediatelythroughonlinebanking.• DecreasedhandlingbyothersmakesE-statements

moresecureandlowerstheriskofidentitytheft.• Abilitytodownload,save,orprintthestatementat

youroption.• Obtainstatementwheneveritisconvenientforyou.• E-statementscanbeviewedwhereveryoucansign

intoonlinebanking.• Environmentally

friendly.Youmayask,howdoIsignupforE-Statements?Thisprocessisverysimple.Youcansignupthroughonlinebankingoranystaffmemberishappytowalkthroughtheprocesswithyou.Pleasegiveusacallanytime!

Minimizeyourriskofbecomingavictimoffraud

ThayerCountyBankCreditCardInTransitionTheThayerCountyBankCreditCard,issuedbyTCMBank,isbeginningthetransitiontothenewVisaEMVCard.OnceyourcurrentcardexpiresitwillbereplacedbythenewEMVcard;however,ifyoudonotwanttowaitthatlongtoreceivethenewchipcard,youcancallthenumberonthebackofyourcardandrequestthenewEMVcardatnoadditionalcost.

EMV,whichstandsforEuropay,MasterCard,andVisa,isaglobalstandardforcardsequippedwithcomputerchipsandthetechnologyusedtoauthenticatechip-cardtransactions.Inthewakeofnumerouslarge-scaledatabreachesandincreasingratesofcounterfeitcardfraud,U.S.cardissuersaremigratingtothisnewtechnologytoprotectconsumersandreducethecostsoffraud.WithyournewVisaEMVcreditcard,yougetBIGprotectioninatinychip.

•ChipCardSecurity.Thistinychipprotectsyoufromfraudbycreatingaone-timeusecodeforeachchiptransaction.Thiscodeisvirtuallyimpossibletocounterfeitandhelpsreducein-storefraud.

•EasytoUse&AcceptedEverywhere.Ifachip-activatedterminalisavailable,insertyourcardandfollowtheprompts.Seetotheright

fordetailedinstructions.YoucancontinuetousethemagneticstriponthecardasyoudotodayatmerchantsandATMsthatdonothavechip-enabledterminals.Whetheryoucheckoutusingchiptechnologyorbyswipingyourcard,youcanpaywithconfidenceworldwide–whereveryourVisacreditcardisaccepted.

•NoCost&ZeroLiability.Enjoyyournewchipatnoadditionalcost.Plus,withyourTCMBankCreditCard,youarecoveredbyazerofraudliabilitypolicywhichmeansifyoucardislostorstolen,youwon'tbeheldresponsibleforfraudulentcharges.

RISK...RISK...RISK... CONVENIENCE...CONVENIENCE...CONVENIENCE...

UPDATES...UPDATES...UPDATES...

1. Insert the chip endof the card into theterminal with the chipfacing up.

2. Keep the card in theterminal throughout the transaction and follow the prompts on screen.

3. Remove your cardwhen prompted and take your receipt.

I002526

WearecurrentlyworkingonaplantoprovidetheEMVchipinallThayerCountyBankDebitCards.Thesewillrolloutinthe4thquarterof2016.