MoneyTalk Winter 2019

MoneyTalk Simply better banking. ®

Money News

An American Trust Publication

Winter 2019

MidWest One Update

e-Statements e-Earn $30 S witch to e-Statements and receive $30!* Plus, you’ll enjoy: • Increased efficiency and identity protection • Reduced waste and simplified record-keeping • Reduced risk of identity theft • On-demand retrieval, download, and print

T hank you for trusting American Trust for Simply better banking . ® As you know, in August, American Trust announced our intention to merge with MidWest One Bank, a highly respected company headquartered in Iowa City, Iowa. Our shared community values make this merger a complementary match and positions us well to provide you enhanced Simply better banking. ® 1 How? This fall the Des Moines Register recognized 150 companies and organizations in Iowa as Top Workplaces for 2018. MidWest One Bank ranked number 20 of the top-50 medium sized employers, and the top-rated bank in the category. MidWest One Bank is also one of five banks ranked in the top 20 of all size Iowa companies! What’s more, recently MidWest One Bank and American Trust purchased a bond issue to support local students. Our two companies together wholly purchased $9,455,000 in Dubuque Community School District Infrastructure Sales, Services and Use Tax Revenue Bonds. As Iowa-based banks, we reinvest our resources in the community for large-scale economic development, education, and philanthropy to improve the quality of life for everyone in our communities. How does the merger impact you, our valued clients? Few changes are expected until well into 2019. Please visit us, use and access your accounts, write checks, make payments, and enjoy your current rewards benefits just as you do today. If you have questions, please contact your American Trust banker.

You must use online banking to receive e-Statements. It’s easy to activate!

• Login to your online banking account • Click Customer Service tab in the top navigation • Click Change Statement Delivery Method under Account Maintenance • Choose Online from the drop down menu for each account • Agree to our Statement Agreement Disclosure • Click Submit

Call 877.279.9210 for assistance with online banking.

*New e-statement activations only. One $30 bonus per online banking user ID. $30 credited to one account upon opening. $30 bonus will be deducted from your account if e-Statement election reverts to paper statement within 180 days. Your bonus will be reported as interest earned on IRS Form 1099-INT and you are responsible for any applicable taxes. Employees of ATBancorp and their families are not eligible to participate.

1 The merger of ATBancorp and MidWest One Financial group is subject to applicable regulatory authorities, ATBancorp shareholders, and the satisfaction of customary closing conditions.

Your Money

Local is more than a name. Local is people, commitment, and trust. American Trust.

Local Home Loans From People You Know

P urchasing or refinancing a home is the biggest financial decision most of us will ever make. That’s why it’s so important to put your trust in local hands that are willing to help you at every step. And yes, American Trust is local. We are going through a merger, but American Trust and its mortgage professionals are here to serve you just as we always have. It is our goal, first and foremost, to take care of our clients. What sets us apart from other financials is personal service. We match a wide variety of terms and features to you and your unique financial situation. The closing of your mortgage is not the end, it is just the beginning. Our professionals look forward to a long and rewarding banking relationship with you. I t’s not if your data is compromised, it’s when your data is compromised. That’s what financial cyber experts predict about financial fraud. Target, Yahoo, Equifax, and now Marriott. Some of the most trusted companies in the world have exposed your identity and financial account information. ATM skimmers, ransomeware, and even your acquaintances could put your personal accounts at risk. If you had a money emergency, would we be able to notify you quickly? If we needed to disable your account access to minimize risk or stop theft, would you be left in a bad place? Any time you change your residential or business address, get a new landline or cell number, or switch email providers, please update your account information with your bankers as well. Money 911: Can We Reach You?

From application to closing and beyond, Trust American Trust for:

• Proven reputation • Experienced professionals

• Responsive service • Competitive pricing

Our mortgage professionals were the 2018 number one Iowa Finance Authority lenders in Dubuque County, and were the number one lender in Dubuque County by 25 percent in November 2018. *

*Dubuque County Recorder registered mortgages

With up-to-date contact information we alert you to late-breaking money emergencies and make sure you are receiving important communication and news from us in a timely manner. Please call 800.373.1841 to update and confirm your:

• Current address • Home and cell phone numbers • Current e-mail address

MoneyTalk is published by American Trust & Savings Bank, Dubuque, Iowa, for use by our clients. Reproduction in whole or in parts is prohibited except by permission. Information has been obtained by this publication from sources believed to be reliable. However, because of the possibility of human error or mechanical error by our sources, this publication does not guarantee the accuracy, adequacy, or completeness of any information, and is not responsible for any errors or omissions or for the results obtained from the use of such information. The data within this edition was current at the time of publication. Simply better banking.

Your Money

7 Tips to Prevent Tax ID Fraud

A s the 2019 tax season gets underway, take extra precaution when filing your return to prevent exposure to tax fraud. Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims. Be suspicious of any communication from the IRS through email, text or social media that requests personal information, and keep a watchful eye out for missing W-2s and mail containing sensitive financial information. Tax identity fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in their name. In recognition of Tax Identity Theft Awareness Week January 29 through Feb. 2, American Trust is offering the following tips:

If you believe you’re a victim of tax identity theft or if the IRS denies your tax return because one has previously been filed under your name, alert the IRS Identity Protection Specialized Unit at 1.800.908.4490. In addition, you should: • Respond immediately to any IRS notice and complete IRS Form 14039, Identity Theft Affidavit • Contact American Trust immediately, and close any accounts opened without your permission or that have been tampered with • Contact the three major credit bureaus to place a fraud alert on your credit records: Equifax, www.Equifax.com, 1.800.525.6285 Experian, www.Experian.com, 1.888.397.3742 TransUnion, www.TransUnion.com, 1.800.680.7289 • Continue to pay your taxes and file your tax return, even if you must do so by paper More information about tax identity theft is available from the FTC at ftc.gov/taxidtheft and the IRS at irs.gov/identitytheft.

• File early • File on a protected Wi-Fi network • Use a secure mailbox

• Find a tax preparer you trust • Shred what you don’t need • Beware of phishing scams by email, text or phone • Keep an eye out for missing mail

Community Calendar American Trust is proud to be a sponsor of the following events:

The 2018 Reach For A Star program was another huge success due to the generosity of our clients and employees. One hundred nineteen residents at six care facilities in our community enjoyed a brighter Christmas.

Winter-Spring 2019 African-American Art in the 21st Century January 19-April 21 Dubuque Museum of Art

Fan Appreciation Night Dubuque Fightings Saints April 13

Find us online!

To report suspicion of fraud, theft, or harassment at American Trust anonymously go to: https://secure.ethicspoint.com/domain/media/en/gui/37188/index.html.

At Your Service

Julie Weiner

Karen Schwendinger

Ashley Mangers

I f your New Year’s resolution includes making new friends and having more fun you should consider joining AmeriClub. Connie has planned some exciting new trips that fit a variety of preferences from local to one-day adventures, and extended travel opportunities. Great travel and relationship building are just a few of the perks you can enjoy as an AmeriClub member. Other perks include no membership fee, free travel previews, a bi-monthly newsletter, merchant discounts at over 100 retailers, free interest checking, and a Points-For-Travel Program. Earn valuable points every time you travel with AmeriClub! Membership in AmeriClub is open to American Trust clients age 40 or better who meet one of the following eligibility qualifications: A merican Trust values and rewards employees who go above and beyond in their jobs every day. Employees are nominated by other employees and a committee selects the Professional of the Month. At the end of the year, employees who have been chosen as Professional of the Month are eligible to be Professional of the Year. Professionals Of The Month

Julie Weiner, Elevator Operator at the Main office, was selected as Professional of the Month for October. Karen Schwendinger, Senior Compliance Testing and Reporting Specialist in the Retirement Division was selected for November, and Ashley Mangers, Relationship Manager in the Retirement Division was selected for December. Congratulations!

AmeriClub — Your New Year’s Resolution

• Maintain at least $5,000 in one American Trust checking, savings, or money market account; or maintain at least $10,000 in any combination of American Trust accounts, including checking, savings, money market, CDs, IRAs, 401(k), trust services, or brokerage services; or • Have an American Trust personal loan or mortgage of which the original principal was at least $50,000 (loans cannot be combined) • A joint account relationship held by husband and wife automatically qualifies both Request more info or join today by calling Connie Francis at 563.589.0804 or by emailing cfrancis@ americantrust.com.

A s a client of American Trust, you are eligible to enjoy special discounts from local merchants partici- pating in the American Trust Merchant Discount Program. Stop in at one of our Asbury 4730 Asbury Rd. Phone: 563.582.5556 Fax: 563.582.5276 Lobby & Drive-up M–F 8:30–5:30 Sat 9–12:00 North 3250 Jackson St. Phone: 563.583.5755 Fax: 563.588.4735 Lobby & Drive-up M–F 8:30–5:30 South 2600 Rockdale Rd. Pho e: 563.583.5757 Fax: 563.588.1025

Get your new Merchant Discount Book

Inside Hartig Drug 1600 University Ave. Phone: 563.584.1703 Fax: 563.584.1704 Lobby: M–F 9–5:30 Sat 9–12

Farley 400 First St. S Phone: 563.744.3380 Fax: 563.744.3071 Lobby: M–Th 8–4 F 8–5:30 Sat 8–11

Downtown Main 895 Main St. Phone: 563.582.1841 Fax: 563.583.5041 Lobby: M–F 8:30–5

offices to pick up your directory. This directory lists the area merchants participating, effective July 1, 2018. Each listing describes a special savings or discount offered to American Trust clients. Discounts apply only at the time of purchase. They are not valid for previous purchases. In order to receive your discount, you must present your American Trust debit card, credit card, or checkbook at the point of purchase. When you support Dye sville 301 First Ave. E Phone: 563.875.2491 Fax: 563.875.2495 Lobby: M–Th 8–4 F 8–5 Dyersville Hwy 136 1422 9th St. SE Phone: 563.875.2492 Fax: 563.875.2430 West D s Moines 9350 University Ave. Suite 138 Phone: 515.283.3750 Fax: 515.987.7780 Lobby: M–F 8:30–5 Sat 9–12 Drive-up: M–F 8:30–5:30 Sat 9–12 Windsor Heights 7204 University Ave Phon : 515.274.0075 Fax: 515.274.0218 Lobby: M–F 8:30–5 Sat 9–12 Drive-up: M–F 8:30–5:30 Sat 9–12 Lobby & Drive-up: M–Th 8:30–5:00 F 8:30–5:30 Sat 8–11

Downtown 9th/Locust 913 Locust St. Phone: 563.582.1846 Fax: 563.583.7605 Lobby & Drive-up: M–F 8–5:30 West 280 Kennedy Rd. Phone: 563.583.5751 Fax: 563.583.5753 Lobby & Drive-up M–F 8:30–5:30 Sat 9–12:00

Lobby & Drive-up M–F 8:30–5:30

Hours & Locations