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In The News

In The News

Improve Your Credit Score

Bad Credit or No Credit? Here Are a Few Simple Tips to Improving Your Credit Score:

  1. Check your credit report regularly - be in the know when it comes to score and look for accuracy, watch out for any errors that may affect your score
  2. Use a credit card - In order to establish a high credit score you need to have a credit history
  3. Have credit card/s, but manage them responsibly 
  4. Only open credit cards as needed
  5. Only use 1-2 credit cards each month to avoid having multiple cards with small balances
  6. Loyalty - Open a credit card and keep it
  7. Pay your bills on time
  8. Reduce your debt - keep balances low on credit cards

10 Simple Tricks to Saving Money

Struggling to save money? Here are 10 simple tricks to help you build your savings account:

  1. Open a savings account if you don't already have one
  2. Set up automatic transfers to your savings account each pay check
  3. Set a budget and stick to it
  4. Pay off those credit cards each month to avoid paying high-interest rates
  5. Every day save your change - Get into the habit of cleaning out your pockets or purse at the end of each day and stashing your change
  6. Have extra money such as a tax refund or a year-end bonus? Put it directly into your savings account
  7. Set aside money for saving at the beginning of each month, rather than saving what is left at the end of the month
  8. Pay your bills on time to avoid unnecessary late fees
  9. Determine wants versus needs - Ask yourself if there are expenses such as eating out that you could cut back on and put that money into your savings account instead
  10. Think of your savings account as money that is off limits

February Hometown Happenings

As Your Hometown Bank, we want to keep you informed of all that's happening in our great communities!

2/1: LF Early Release, 12pm

2/2: Great River Arts - Open Mic Night, 7-9pm

2/4: Great River Arts - Petite Picasso Clay

2/4: Great River Arts - Mini Monet Clay

2/6: LF Winter Band/Choir Concert, 7:30-8:30pm

2/9: St Otto's Care Center - Greied Recovery Group, Hearthside Room, 5-6pm

2/11: Friends of Crane Meadows Candlelight Ski, 5:30-8:30pm

2/12: Empty Bowls, 11am-2pm

2/13: LFHS Conferences, 3:45-6:45pm

2/14: Sweethearts Dinner - The Falls Ballroom, 5:30-8pm

2/15: Great River Arts - Art Bar 39, 6:30-8:30pm

2/17: LF No School

2/17: SRRHS - No School

2/17: Royalton HS - No school

2/18: Great River Arts - Rembrandt Saturday Sampler, Zentangle Drawings

2/20: LF, RHS, SRRHS No School - Teachers in service

2/24: Falls Ballroom - Mardi Gras Spring Fundraiser for the Boys and Girls Club,6-11pm.To purchase tickets call (320) 414-0322 or email

2/25: Growers & Makers Markets - Sprout Market Place, 10-4pm 

2/26: The Black and White - HeartLand Symphony Orchestra Fundraiser. Music, Menu & More

2/26: Our Lady of Lourdes Pork Chop Dinner, 10-12:30pm

2/27: LFCHS Talent Show, 7:30-8:30pm

2/27: LF MS Conferences, 4-6pm

2/27: Royalton HS - No School

2/27: Royalton HS/MS Parent/Teacher Conferences - 1-4pm, 5:30-9pm


If you would like an event included, please email us at  


Now Is The Time To Make A Change

Our Hometown Banking philosophy:

· No hidden fees—ever

· Personal banking relationships

· Always accessible

· Our customers come first

Learn more about our Hometown pledge here.

Lights. Camera. Save! Video Contest Winner

Lights, Camera, Save! is a teen video contest sponsored by Discover Debit, that encourages teens to educate themselves and their peers about the value of saving and using money wisely. Students enter the contest by submitting videos to local participating banks (Pine Country Bank).

Pine Country Bank has selected a local winner of the Lights. Camera. Save! contest that will go on to be judged at a national level! 

The top three national winners will receive a cash prize of $1,000, $2,500, and $5,000 to fund their savings goal!

Additionally, each winner’s school will receive a scholarship for a teacher to attend the 2017 Jump$tart National Educator Conference. 


Our 2016 winners are: Austin Zapzalka, Lyle Zimmerman, and Randale Fernelius from Royalton with their video: “Savings is SAVAGE”.


The runner up is: Jordan Malikowski from Royalton with his video “Don’t be Kept in the Dark”


Watch Out For Fake Phone Apps

There’s an app for that (but it might be fake)

As more and more consumers are shopping with mobile apps, fraudsters are following the money. There are fake phone apps popping up that impersonate well-known retailers in order to steal your personal information. Their names are similar to well-known brands, and their descriptions promise enticing deals or features.

But these fraudulent apps can take your credit card or bank information. Some fake apps may even install malware onto your phone and demand money from you to unlock it.

Here are some tips to avoid downloading fraudulent apps:

  • Not sure if a shopping app is legit? Go directly to the retailer’s website and see if they promote it. If they do have an app, they will direct you to the app store where you can download it.
  • On the web, you can search a brand name, plus “fake app” to see if the company has reported its brand being spoofed.
  • Look for reviews of the app before you download – both in the app stores and on the web. If the app has no reviews, it was likely created recently and could be a fake. Real apps for big retailers often have thousands of reviews.
  • Don’t download apps with misspelled words in their description. Many fake apps were created in a hurry. On the other hand, some fake apps look almost like the real thing.

If you’re using apps for shopping, keep records of your transactions. Screenshot or save the product description and price, the online receipt, and the emails you send and receive from the seller.

Monitor your credit card statements frequently; be on the lookout for charges that you don’t recognize.

Our New Education Center Is Here!

Get 2017 started off right! 
Pine Country Bank offers all kinds of tips and tools for financial planning in our Education Center. The free offering is part of our dedication to helping local people succeed personally and financially! Check it out and get on the right financial path for 2017! 

Deb's Many Holiday Hats!

During the Holiday Season, Deb from Pine Country Bank wears a different festive hat every day leading up to Christmas. Isn't that fun?! 

January Hometown Happenings

As Your Hometown Bank, we want to keep you informed of all that's happening in our great communities!


Jan 2: Little Falls - No School

Jan 2: SRRHS - No School

Jan 8: Falls Ballroom - Nathan's Old Time Band, 1-5pm

Jan 14: Great River Arts - Free Second Saturday Art

Jan 16: SRRHS - No School

Jan 21: Great River Arts - Rembrandt Saturday Sampler, 10am-Noon

Jan 21: Fat Bikes & Brew - Charles A. Lindbergh State Park, 10am

Jan 22: Our Lady or Lourdes Chicken Dinner, 10am-12:30pm. For more information please call (320) 632-8243

Jan 26-27: Great River Arts: Church of Cash

Jan 28: Once Fired - paint your own locally thrown pottery, 10am-Noon. Call 320-632-0960 to claim your spot!

Jan 28: Sprout Frowers & Makers Market Place, 10am-3pm

If you would like an event included, please email us at

Hometown Hoops + Hometown Banking