Latest / WIXN AM 1460 - Shaw Local Radio / Talk Line: Private banking tips from the 1st National Bank in Amboy's Courtney Ligtenberg

Transcript

Talk Line: Private banking tips from the 1st National Bank in Amboy's Courtney Ligtenberg · WIXN AM 1460 - Shaw Local Radio

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  Speaker 1: Good morning, Sog Valley. You've joined the Waking crew here
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  Speaker 1: on FM ninety five one and AM fourteen sixty WIXN.
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  Speaker 1: It's eight fifteen on your Friday morning, and you know
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  Speaker 1: what that means. It's time for talk line. And I'm
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  Speaker 1: joined in the booth once again by our good friends
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  Speaker 1: from the First National Bank and Amboy, and today Courtney
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  Speaker 1: Lettenberg is joining me. Courtney, did I get your name right?
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  Speaker 2: You did? I'm impressed. I am very impressed.
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  Speaker 3: Nobody it's usually Ligtenberg or if you if you say
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  Speaker 3: it out to somebody, they spell it and they assume
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  Speaker 3: it's got an h in. They're very misleading. But I
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  Speaker 3: love my husband to death, so you know, if you
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  Speaker 3: can hear it at work, thank you for giving me
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  Speaker 3: a wonderful last name. Wouldn't have it any other way.
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  Speaker 1: And today you wanted to talk a bit about private banking,
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  Speaker 1: and I'd like to start just for those of us
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  Speaker 1: who aren't exactly familiar, what is private banking?
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  Speaker 3: Yeah? No, I'm very very excited about it. I've been
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  Speaker 3: in this world for almost a decade now, so banking
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  Speaker 3: wasn't my wasn't my first passionate job that I've I
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  Speaker 3: just kind of fell into it, which I think, you know,
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  Speaker 3: most of us usually fall into our jobs and don't
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  Speaker 3: expect to grow a passion for it, but I did
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  Speaker 3: so private banking it's taking banking to the next level.
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  Speaker 3: You know, a lot of your a lot of your
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  Speaker 3: banks you go to. Now you've got your frontline staff,
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  Speaker 3: of course, which ours does a wonderful job of making
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  Speaker 3: those connections with our with our customers. Everybody that walks
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  Speaker 3: in feels welcomed and like you're working with your neighbor.
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  Speaker 3: It's that's what we shoot for it at Amboy, and
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  Speaker 3: private banking just takes that a step further. You've you've
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  Speaker 3: got a single point of contact that knows your story,
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  Speaker 3: that knows your financial goals, that can help.
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  Speaker 2: You work towards those goals.
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  Speaker 3: And we just you know, we don't really have any
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  Speaker 3: services like that towards our rural area.
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  Speaker 2: A lot of it's towards the city.
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  Speaker 3: So you see big private bankers in Chicago and bigger
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  Speaker 3: cities like that, where you know, you're working with those
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  Speaker 3: really high dollar, high dollar people, and we just we.
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  Speaker 2: Don't have those resources here.
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  Speaker 3: So I you know, I'm happy and honored to bring
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  Speaker 3: something like that close to home, you know, like I said,
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  Speaker 3: I'm looking at your goals, looking at where you are
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  Speaker 3: in life.
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  Speaker 2: Of course, Lord.
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  Speaker 3: Knows, we always have unexpected life events too, So trying
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  Speaker 3: to make sure that you're prepared for those various life
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  Speaker 3: events that come up in our world and trying to
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  Speaker 3: help with that, it just it brings it to a
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  Speaker 3: whole other personal level. You've, like I said, you've got
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  Speaker 3: that one point of contact that you can go to.
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  Speaker 3: I have customers that tell me everything, and I know
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  Speaker 3: their dog's name, and they know that I have chickens,
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  Speaker 3: and we you know, we make it. It's just an
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  Speaker 3: extra personal level. You're not just helping with finances, which
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  Speaker 3: is already a touchy subject for people. You're you're actually
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  Speaker 3: building that connection, which is what makes me so passionate
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  Speaker 3: about this job.
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  Speaker 1: And you know, you make a great point with that.
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  Speaker 1: I mean, because finances are one of those strangely weird,
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  Speaker 1: touchy topics that we don't like to talk about it.
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  Speaker 1: It almost feels like undressing in front of a stranger, right, Like,
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  Speaker 1: it's just it's uncomfortable. So it's nice to be able
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  Speaker 1: to form that kind of personal relationship with the people
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  Speaker 1: that are handling your finances and knowing that you can
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  Speaker 1: come to them for advice or like you said, those
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  Speaker 1: those hard times in life happen to us all, and
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  Speaker 1: we it's this strange human thing right where we don't
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  Speaker 1: want to admit to other people we're going through a
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  Speaker 1: hard time. Absolutely, even though you've got empathy, if your
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  Speaker 1: neighbor or your friend is going through it, So to
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  Speaker 1: be able to go to your banker and talk to
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  Speaker 1: them and let them known to have that kind of
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  Speaker 1: comfort is that's a nice touch.
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  Speaker 3: It is, it's it's and it's you know, all part
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  Speaker 3: of all part of my personal you know, my personal
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  Speaker 3: goals too. I've always wanted to help people to the fullest.
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  Speaker 3: And lord knows, I'm at chatterbox and can't quit yapping
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  Speaker 3: about all my random facts.
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  Speaker 2: But it's just it.
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  Speaker 3: Does it makes it, It makes it a genuine connection.
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  Speaker 3: Whereas you know, if you're coming in coming into somebody
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  Speaker 3: different every time you're already like you said you are,
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  Speaker 3: you have maybe a touchy situation going on. You just
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  Speaker 3: sometimes you just feel uncomfortable sharing that with a stranger,
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  Speaker 3: and having that point of contact can really just it
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  Speaker 3: can help make you feel more comfortable it really does.
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  Speaker 3: It's it's my favorite part about my job. I just
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  Speaker 3: being able to talk to customers about anything and knowing
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  Speaker 3: letting them know that I'm a person to it. It
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  Speaker 3: brings it to a whole different level. And it's everything
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  Speaker 3: I love about everything I love about this role.
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  Speaker 1: Now when I hear the term private banking, and I
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  Speaker 1: can't imagine I'm alone here on this. I think of
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  Speaker 1: clients like high powered CEOs with suitcases strolling in and
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  Speaker 1: needing to know where the deficit on their million dollar
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  Speaker 1: budget is, right, is that it or what kind of
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  Speaker 1: clients benefit from private banking.
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  Speaker 3: That's a great question, and it does. You know, that
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  Speaker 3: does absolutely fall with the name.
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  Speaker 2: Quite a bit. A big perk to a big perk.
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  Speaker 3: To private banking and something that I offer my customers.
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  Speaker 3: I do watch for FDIC insurance, so you know, anyone
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  Speaker 3: that isn't aware of those rules. Every person is insured
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  Speaker 3: up to two hundred and fifty thousand at a bank,
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  Speaker 3: So when you get over that dollar amount, it could
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  Speaker 3: get a little scary because you know, if anything happens
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  Speaker 3: to the bank, which we've been around for almost ninety
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  Speaker 3: one years, so we ain't going anywhere. But if anything happens.
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  Speaker 3: You know, some people really like that security, which absolutely understandable,
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  Speaker 3: and I can help monitor that. So I do work
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  Speaker 3: with a lot of customers that are pushing those FDIC limits.
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  Speaker 3: So if they've got those balances over two hundred and
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  Speaker 3: fifty thousand, I do work with a lot of those customers.
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  Speaker 3: So that is typically the target group that I see.
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  Speaker 3: But I'm here to help anybody. I would help a
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  Speaker 3: fly if it walked in the door. I am here
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  Speaker 3: to help everyone. You know, it doesn't matter where you say.
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  Speaker 3: I'm gonna make sure we get you in the right place.
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  Speaker 3: If you need to work with the frontline staff, they're
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  Speaker 3: wonderful too. They do a great job. You know, our
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  Speaker 3: lending team does a wonderful job to everyone's just everyone's
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  Speaker 3: there to make sure that we support you the best way.
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  Speaker 3: So you know where my clientele might be a little
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  Speaker 3: more specific and the ways I can truly support you.
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  Speaker 3: And there's so many different ways that even if you
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  Speaker 3: connect with me, I can make sure we get you to.
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  Speaker 2: The right person.
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  Speaker 3: So either way, we're gonna take care of you.
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  Speaker 1: And what kind of services I come along with private banking.
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  Speaker 3: So I you know, I do help with typical deposit accounts,
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  Speaker 3: so I do have you know, your typical checking savings
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  Speaker 3: certificate of deposits, so your CDs as well. If anyone
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  Speaker 3: needs to connect with our lending team, they can. You know,
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  Speaker 3: my customers do come to me for almost everything, so
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  Speaker 3: they might feel more comfortable to me approaching me with
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  Speaker 3: a loan that they might need, and I can wrap
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  Speaker 3: in our lending team to help kind of bridge that
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  Speaker 3: gap make.
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  Speaker 2: The customer feel more comfortable. Same with our wealth.
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  Speaker 3: Management We have a wealth management officer as well, and
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  Speaker 3: her and I partner with a lot of customers too.
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  Speaker 3: You know, nine times out of ten, if someone benefits
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  Speaker 3: from working with me and is really trying to push
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  Speaker 3: towards their savings goals, the wealth management team is a
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  Speaker 3: great way to do that. So her and I work
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  Speaker 3: together a lot too. You know. I just there's so
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  Speaker 3: many different services within the bank, and not everybody knows
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  Speaker 3: that those opportunities exist.
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  Speaker 2: You know, you just you think.
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  Speaker 3: Of your your basic checking and savings and when you're
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  Speaker 3: looking towards those goals that you have or you run
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  Speaker 3: into those life situations, you don't always think that your
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  Speaker 3: community bank has all of those services, but we do
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  Speaker 3: We've got every piece to the puzzle and we're here
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  Speaker 3: to help with it all. And like I said earlier,
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  Speaker 3: private banking is a great way to discover those needs
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  Speaker 3: if someone's comfortable sharing and saying, hey, Courtney, you know,
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  Speaker 3: I really I really want to focus on my growth.
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  Speaker 3: I want to make sure I have an emergency fund
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  Speaker 3: set aside and I want to focus on that.
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  Speaker 2: How do we do that.
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  Speaker 3: We can create a plan. I can sit down with you,
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  Speaker 3: create a plan. Like I said, tie in our wealth
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  Speaker 3: management officer. Maybe it's just opening up a small CD
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  Speaker 3: and watching your funds grow. You know, we can really
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  Speaker 3: customize plans for every individual and everyone's different. Everybody's got
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  Speaker 3: a different plan that they need, so it is it's
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  Speaker 3: all unique to whatever the customers need, which is very important.
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  Speaker 1: Yeah, you know, and in planning for a brighter future
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  Speaker 1: and making sure you're growing, that's really important. But why
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  Speaker 1: is that so important to you folks over at First National?
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  Speaker 3: You know, we I love very passionate about working at
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  Speaker 3: First National Bank, and amboy I love walking in and
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  Speaker 3: everybody no matter if it's a frontline staff member, whether
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  Speaker 3: it's a loan officer, it doesn't matter who it is.
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  Speaker 3: Everybody is there to do the best thing they can
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  Speaker 3: for their customer. It's refreshing to see that energy brought
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  Speaker 3: to every single person in the team, making sure making
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  Speaker 3: sure that they're all taken care of. And we you
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  Speaker 3: know that your finances, like I said, it's an important,
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  Speaker 3: touchy subject and we're here to support you in any
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  Speaker 3: way we can. We love watching our customers grow with us.
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  Speaker 3: And you know, like I said, bringing up life events again.
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  Speaker 3: You know, let's say someone's family member passes away and
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  Speaker 3: they get an inheritance, and you know, usually when you
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  Speaker 3: see that inheritance come in, you have no idea what
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  Speaker 3: you're you could have no idea what you're doing with it,
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  Speaker 3: and it's scary to think about that, and you don't
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  Speaker 3: want to you know, you don't want to lose your
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  Speaker 3: your inheritance that you know was luckily given to you
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  Speaker 3: and want to make the most of it. So we
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  Speaker 3: try to help guide customers in those situations too, and
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  Speaker 3: just making sure that we can support you in any way. So,
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  Speaker 3: I mean, it never ends all of us, whether you're
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  Speaker 3: on the lending team the deposit team, like, we're all
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  Speaker 3: here to make sure that everyone of our customers is
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  Speaker 3: growing and their balances are growing. If we can support you,
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  Speaker 3: whether it's it's inheritance, selling a house, anything that comes up,
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  Speaker 3: I mean, we're here to make sure we're maximizing it.
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  Speaker 3: It's we customers come first. That's what we live by.
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  Speaker 3: And you know, in the event where you need us
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  Speaker 3: to support you and find extra find extra ways for
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  Speaker 3: you to branch out your relationship with us, we're here
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  Speaker 3: to do it.
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  Speaker 1: I absolutely love hearing that. And you know, with first
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  Speaker 1: National being and Amboy having been in the area for
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  Speaker 1: you said almost a century.
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  Speaker 2: It's been a long time, very long time.
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  Speaker 1: That's something I mean, with that kind of a history,
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  Speaker 1: what would you say makes the bank's private banking program
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  Speaker 1: unique to the people in the community.
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  Speaker 3: So private banking is actually new. So I came over
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  Speaker 3: to the Bank of Amboy almost two years now, so
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  Speaker 3: it's flown by very fast, but I built it from
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  Speaker 3: the ground up. So I you know, I think right there,
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  Speaker 3: it makes it very unique because it is new and
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  Speaker 3: we can let our customers know that this opportunity.
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  Speaker 2: Is here now.
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  Speaker 3: Like I said earlier, we don't have services like this in.
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  Speaker 2: Our rural area.
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  Speaker 3: You know, we find it very often, not even just
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  Speaker 3: in banking, but other services in general where we just
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  Speaker 3: don't have that expertise level all the time, and it's
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  Speaker 3: refreshing and it's honorable to me. It's honorable for me
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  Speaker 3: to be able to bring that to our small town
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  Speaker 3: and our community. So it's just that the unique level
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  Speaker 3: of private banking doesn't stop, you know, I think another
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  Speaker 3: unique piece just a banking with us in general at
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  Speaker 3: First National Bank and Amboy And I'm proud to say it.
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  Speaker 3: I know we all are proud to say it. We're
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  Speaker 3: the only bank that's chartered in Lee County. So what
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  Speaker 3: that means for anyone that you know isn't isn't sure.
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  Speaker 3: Our bank is the only bank with our headquarters housed
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  Speaker 3: in Lee County, which is really cool to say. It's
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  Speaker 3: again one of those honorable things that we can share
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  Speaker 3: that with customers. And when we tell you your funds
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  Speaker 3: are held locally, they are truly held locally here in
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  Speaker 3: Lee County. So I think when you share that with
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  Speaker 3: customers and they know what that means and how their money
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  Speaker 3: truly supports all of the community, it just it makes
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  Speaker 3: it that much more special.
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  Speaker 2: It really does.
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  Speaker 3: And it's we're lucky that we get to say it,
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  Speaker 3: and I try to say it as much as I
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  Speaker 3: can because we're the only bank that can say that,
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  Speaker 3: which is very it's very refreshing to be able to
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  Speaker 3: say that we're here to support the community in every
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  Speaker 3: way possible.
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  Speaker 1: Yeah. I mean, if you need help or a conversation
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  Speaker 1: with the top, it's nice to know that you don't
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  Speaker 1: have to call some disembodied voice right states half the
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  Speaker 1: country away wondering if you're going to get anybody to
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  Speaker 1: call you back. Knowing that you could go in person
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  Speaker 1: if you needed to do this is that's really nice.
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  Speaker 1: It gives you that sense of security and again just
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  Speaker 1: that personal touch that seems to again come with private
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  Speaker 1: banking and just the First National Bank and Endboy p
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  Speaker 1: according we're about at a time if people have any
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  Speaker 1: questions or want some more information about anything we've talked
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  Speaker 1: about or anything that First National making Amboy offers, what's
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  Speaker 1: the best way to do that?
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  Speaker 3: Yeah, So you know private banking specifically, if you go
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  Speaker 3: to our website fmbamboy dot com, I do have a
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  Speaker 3: private banking tab underneath our personal or business. I help everybody,
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  Speaker 3: So whether you're personal, business customer, I help them all.
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  Speaker 3: So anyone that needs help, needs information, my private banking
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  Speaker 3: tabs on our website. My direct line and email are
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  Speaker 3: on there too, so anyone can.
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  Speaker 2: Absolutely always reach out.
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  Speaker 3: If I'm not available, we always have our main line two,
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  Speaker 3: which is our eight one five eight five seven three
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  Speaker 3: six two five. Our teams happy to help to feel
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  Speaker 3: any calls to me if you've got questions, they can
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  Speaker 3: help with you know, basic questions too. But we're like
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  Speaker 3: I said, we're all here to help, whether you reach
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  Speaker 3: out to us, you know, through our direct line, call
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  Speaker 3: me directly, our website, stop in anything. We're all here
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  Speaker 3: to help and we'll be We'll be there to greet
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  Speaker 3: you with the smile and lots of stories because like
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  Speaker 3: I said, I'm a rambler, so you'll be here and
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  Speaker 3: lots of stories if you call me or come in
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  Speaker 3: to see me.
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  Speaker 1: We love rambling on the radio.
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  Speaker 2: Yes, yeah, it fits right in.
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  Speaker 1: Well, folks, there you have it, whether it's online, buy
• 14:22
  Speaker 1: the phone, or in person. Talk to the folks at
• 14:25
  Speaker 1: the First National Bank and Amboy they're there and happy
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  Speaker 1: to help you. Courtney, thank you so much for sharing
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  Speaker 1: this important information and for all the fine works you
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  Speaker 1: folks do over there.
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  Speaker 2: Yeah.
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  Speaker 3: No, we're We're happy to do it, and thank you
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  Speaker 3: for having me too. This is my first one, so
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  Speaker 3: you know, nerves were a little a little shot this morning,
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  Speaker 3: and I couldn't sleep last night.
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  Speaker 2: It was like the first day of school.
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  Speaker 3: So I'm happy to be here for the first time
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  Speaker 3: and anybody listening to my rambling stories.
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  Speaker 2: Thank you all for listening too well.
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  Speaker 1: I wouldn't have known it was your first time. You
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  Speaker 1: were a natural, so I look forward to having you
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  Speaker 1: back in the booth. Courtney, thank you so much.
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  Speaker 2: Thank you