Summer 2019

Your Money

Special Events

A merican Trust is again sponsoring the Back Waters Stage at Q Casino. We hope to see you there! The following local and national acts will be performing: Rock the River at Q Casino August 9 Three Doors Down August 22 Hinder & Saving Abel August 24 & 25 Summer’s Last Blast with the Spazmatics, Boy Band Review, Dingleberries, Menace, Johnny Trash, The Invited, and T.O.M.B. No admission for Summer’s Last Blast! K ids can become the heroes of their own story this year at the National Mississippi River Museum & Aquarium, in their latest seasonal exhibit “Once Upon A Time: Exploring the World of Fairy Tales.” This engaging and interactive exhibit, sponsored by American Trust, allows guests to enter the worlds of Beauty and the Beast, Cinderella, Jack and the Beanstalk, Thumbelina, The Elves and the Shoemaker, and much more. Throughout each story, children have an opportunity to try on costumes and interact with scenes from the R elive your greatest memories of America’s favorite pastime as baseball legends come together on Sunday, September 1, 2019. Experience the magic of the Field of Dreams Movie Site and rediscover America’s favorite pastime as legends from the world of sports & film come together on Labor Day weekend. From an autograph show, Q & A with players, a celebrity softball game, fantasy camp, silent auction, and more – see your favorite players in action. Watch as the Field’s famous Ghost Players emerge from the corn and entertain the Once Upon A Time National Mississippi River Museum & Aquarium Team of Dreams Field of Dreams, Dyersville

Today and Tomorrow, Trust American Trust for Local Servicing

stories. Unique and educational it focuses on the power and significance of fairy tales throughout history and around the world. The exhibit will be at the museum through September 8. Ticket information can be found at rivermuseum.com.

W hen considering buying a home, the down payment you have plays a major role in your future housing expenses. A higher down payment can influence your interest rate, monthly payment, and also your need for mortgage insurance. As you prepare for the home buying process, responsibly managing your spending and allocating extra cash to a savings account, will get you on the right track towards saving for your first home purchase. • Develop a budget and timeline. Start by determining how much you’ll need for a down payment. Create a budget and calculate how much you can realistically save each month – that will help you gauge when you’ll be ready to transition from renter to homeowner. • Establish a separate savings account. Set up a separate savings account exclusively for your down payment and make your monthly contributions automatic. By keeping this money separate, you’ll be less likely to tap into it when you’re tight on cash. Saving for Your First Home P urchasing a home is the biggest financial decision many will ever make. That’s why it’s important to put your trust in local hands that are willing to help at every step. American Trust is people you know. We are merging with MidWest One Bank and our name will change to MidWest One Bank, but our people and services will remain the same.

Trust American Trust for in-house Dubuque based: • Applications * • Processing • Underwriting • Closings *Loans are subject to credit approval. Property insurance is required. Certain restrictions may apply. See a mortgage lender for more information. NMLS# 474086.

• Shop around to reduce major monthly expenses. It’s a good idea to check rates for your car insurance, renter’s insurance, health insurance, cable, internet or cell phone plan. There may be deals or promotions available that allow you to save hundreds of dollars by adjusting your contracts. • Monitor your spending. With online banking from American Trust, keeping an eye on your spending is easier than ever. Track where most of your discretionary income is going. Identify areas where you could cut back and instead put that money into savings. • Look into state and local home-buying programs. Many states, counties and local governments operate programs for first-time homebuyers. Some programs offer housing discounts, while others provide down payment loans or grants. Reach out to your mortgage lender to learn more!

crowd with their on-field antics. Wrap up the weekend experiencing the story that started it all – watch the “Field of Dreams” on the very outfield where the Oscar nominated movie was filmed. For ticket information on this event visit teamofdreamsiowa.com.

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

Summer 2019

Asbury Music in the Park July 13 Asbury Park

Dubuque & All That Jazz! July 19 Town Clock Plaza

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Money Talk is published by American Trust and 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. 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.

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A merican Trust is proud to be the presenting sponsor of the annual WLC Conference in Dubuque on November 21, 2019 at the Grand River Event Center. WLC is the state’s premier leadership organization for women. Actress, author, and Dubuque native Kate Mulgrew will be headlining this year’s conference. Born and raised in Dubuque, IA, Kate Mulgrew moved to New York City at 17 to pursue a career in acting. As an acclaimed fan-favorite actress, her performances span across television, film and stage. Shortly after she moved to New York, she landed her first role in the ABC soap opera Ryan’s Hope . Mulgrew is internationally recognized for her famous portrayal of Captain Janeway, in which she made Star Trek franchise history as the first female captain in a leading role. She starred on Star Trek: Voyager for seven seasons and earned three Saturn Awards and one Satellite Award for her role. She is also well-known for her roles in Mrs. Columbo and currently as Galina “Red” Reznikov in the hit series Orange Is The New Black . She is also an author of two memoirs, Born With Teeth and How To Forget: A Daughter’s Memoir . Mulgrew is an active member of the Alzheimer’s Association National Advisory Council and the voice of Cleveland’s MetroHealth System. Women Lead Change Conference

An American Trust Publication

Summer 2019

Kate Mulgrew

Infoline System

American Trust & Savings Bank is again the Presenting Sponsor of the conference. The one-day event also features a keynote address from Carly Fiorina and a Letters to My Younger Self panel featuring local leaders. For more information and/or tickets go to www.wlcglobal.org.

T hank you for banking with American Trust. As a reminder, American Trust is becoming MidWest One Bank, and our telephone banking number will change. Beginning Monday, July 15, please call MidWest One Telebanc at 1.800.832.9322. Again, the number will be 1.800.832.9322. The first time you access Telebanc you will be asked to enter a personal identification number which is the last four digits of your Social Security number. If you have questions, please call 800.373.1841 during regular business hours.

Personal Online and Mobile Banking

T here are a few things you need to know as American Trust prepares to become MidWest One Bank during the weekend of July 13. To ensure a smooth transition, there will be some interruptions in online and mobile banking services. • Starting at 12:00 p.m. on Thursday, July 11: Online bill pay will be unavailable. There is no interruption in payment processing expected, and payments scheduled for July 12 will be sent. • Starting at 3:00 p.m. on Friday, July 12: Mobile banking services, including mobile deposit, will be unavailable for the weekend. • Starting at 8:00 p.m. on Friday, July 12: Online banking services will be unavailable for the weekend. We recognize this may cause disruption in your normal banking habits, and we apologize for the inconvenience. Please be sure to check your balances and make note of any information from your online and mobile banking access during the day on Friday, July 12. Additionally, our Infoline service will be available to check balances during conversion weekend. We expect online and mobile services to be fully functional by 8:00 a.m. on Monday, July 15, 2019. Once available, you will need to log in to online banking for the first time using the MidWest One website, midwestone.com.

Carly Fiorina

Letters To My Younger Self Panel

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

We will send you more information the week of July 1 to let you know how to log in for the first time.

Here are some additional tips: • Download the MidWest One Bank app from the app store for your device on or after July 15.

• Alerts will not carry over to MidWest One . Please re-establish any account alerts you had set up on your accounts. • If you use the Bill Pay service, please confirm your payee and transfer information carried over correctly.

Lobby & Drive-up M–F 8:30–5:30

Hours & Locations