Mary Kropp, NMLS #501069

Merchant Payment Solutions

Posted on November 5, 2012. Filed under: Mary Kropp, NMLS #501069 |

Your business is unique, and so are its challenges. In today’s competitive marketplace, you must balance good customer service with efficient cash management and risk control. You’re in good company with Denmark State Bank and our processing partner Elavon. No matter what your business–retail, restaurant, health care, service, mail order, e-commerce, large or small, we have the solutions.

Businesses can’t afford to limit customer payment options or delay access to funding. From credit and debit card processing to our unique Electronic Check Service, we make it possible for you to access your funds within 24 – 48 hours.   Our Electronic Gift Card solution helps generate new business and keeps loyal customers coming back. Whatever your merchant needs, Denmark State Bank and Elavon deliver the tools to get the job done.

We are also offering Virtual Merchant Mobile, which now includes ELECTRONIC SIGNATURE CAPTURE!   This new feature will significantly improve the usability, functionality and flexibility. Apple and Android mobile devices allow users to electronically capture cardholder signatures at the time of sale.

If you’re ready to increase sales and cash flow contact Denmark State Bank.

 

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GOING GREEN WITH BANKING

Posted on February 16, 2012. Filed under: Mary Kropp, NMLS #501069 |

Historically, the only “Green” you may have thought banks cared about was the government approved, currency kind, but that is changing.  Banks, along with consumers, are focusing on becoming more environmentally aware.  Not only can you help save the environment, but you can save yourself time and money by signing up for our “Green” services. 

Some of the “Green” services Denmark State Bank offers are: Debit Cards, Online Banking, Bill Pay with eBills, eStatements and eAlerts.

According to the US Environmental Protection Agency, 71 million tons of paper is used in the United States each year and only about 1/3 of that paper is actually recycled.

Denmark State Bank would like to challenge you to go green.  You can make your payments electronically by using Bill Pay and sign up to receive electronic notices when those bills are due through eBills.   Sign up for Online Banking with eStatements and receive eAlerts regarding your accounts through E-mail or text message.  Another great option is to use your debit card instead of writing paper checks.    

Making payments on time is one of the biggest factors in determining your credit score.  But, did you know by using eBills to notify you of upcoming payments and setting up recurring Bill Payments, consumers can actually increase their credit score?   

What are you waiting for?  Stop in at any one of Denmark State Bank’s six locations and sign up for any or all of our “Green” services today!

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Saving a little adds up over time

Posted on May 3, 2011. Filed under: Mary Kropp, NMLS #501069 |

Very few people actually save money.  For many of us, the thought of saving money seems impossible.  Some common questions:

How can I start to save money?

Where is the best place to keep the money being saved?

How will I know the money will be available when I need it?

 Here are a few tips:

  •  Visit Denmark State Bank to open and explore the best savings option for you. (Regular savings, money market savings, holiday club account, certificate of deposit or IRA). The type of account you open will help ensure the money is where you need it.
  • Set goals. Set both long term and short term goals which are realistic and attainable. Short term savings should be used for things like new furniture, a down payment for car, a vacation or money for holiday shopping. Long term goals should include college education, retirement or a new home.
  • Set a small amount to start and have it taken out of your paycheck automatically.  Try to increase it every six months.  Success in savings comes with a thought-out plan.
  • Write down and track all your expenditures for one month.  This will give you a starting point to a budget.  Saving is merely spending less.  

            One bag potato chips        $3.29/bag     1/ week         $171.08 per year

            One-six pack soda             $2.00            1/week          $104.00 per year

            One gourmet coffee          $4.00            1/day             $1,460.00 per year

Simply cutting back on a few items like the three listed above could save $1738.08 a year.  Over the course of 5 years at a 1% return, you would have saved approximately $8,798.00. (See Denmark State Bank’s website at www.denmarkstate.com  for financial calculators). 

 Member FDIC

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