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Major life events may create reasons to review your plans, including: Marriage Divorce Birth of a child Homeownership Retirement Loss of a loved one A periodic review can help ensure your plans continue to reflect your goals and circumstances. https://www.villagebankonline.bank/blog/side-hustle-business-financial-tips monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/97a8f08e-ee68-4f97-b2d0-e9f9c364cbcc/Business+Owner+doing+a+ribbon+cutting+with+employees.png BLOG - Business Owners & Side Hustles: Financial Tips for Growing Your Business - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/6c361c0d-ed72-4f96-8b40-325cbd9220f1/Build+Your+Business+Further+Explore+Financing+Options+Today BLOG - Business Owners & Side Hustles: Financial Tips for Growing Your Business - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/8edbbded-50d2-49fc-a331-c495da05177c/Website+Image+Circle+%2817%29.png BLOG - Business Owners & Side Hustles: Financial Tips for Growing Your Business - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/dd57edd5-6878-4f49-8dfa-e894163ed5e6/Happy+Busy+Older+Professional+Businessman+Entrepreneur+Using+Laptop+Holding+Bill+Corporate+Document+in+Office.+50+Years+Old+Man+Executive+Manager+or+Business+Owner+Reading+Paper+Working+on+Computer.jpg BLOG - Business Owners & Side Hustles: Financial Tips for Growing Your Business - Use Digital Banking Tools to Stay Organized The more organized your financial information becomes, the easier it is to make informed business decisions. Many business owners use digital banking tools to: Monitor account activity Review transactions Track deposits Manage payments Stay informed about account activity Technology can help simplify day-to-day financial management and provide greater visibility into your business finances. https://www.villagebankonline.bank/blog/fraud-prevention-tips monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/66f897f3-d457-4211-b8f3-8fb7677812e2/Untitled+design+%2864%29.png BLOG - Protecting Your Finances: Common Scams and Fraud Prevention Tips - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/32fdc58a-f726-45b2-ac13-d7f56f4d9097/Website+Image+Circle+%2816%29.png BLOG - Protecting Your Finances: Common Scams and Fraud Prevention Tips - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/bbab899d-b443-4432-88c2-16c6cbb92730/AdobeStock_401912003.jpeg BLOG - Protecting Your Finances: Common Scams and Fraud Prevention Tips - The Importance of Monitoring Your Accounts One of the easiest ways to identify potential issues is by reviewing your accounts regularly. Many people assume they will immediately notice suspicious activity. In reality, fraudulent transactions may initially appear small or go unnoticed for extended periods of time. Regular account monitoring can help you: Identify unfamiliar transactions Spot account changes Confirm deposits and withdrawals Stay aware of overall account activity The sooner suspicious activity is identified, the sooner it can be addressed. https://www.villagebankonline.bank/blog/homeownership-financial-checklist monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/a4d06025-bbc3-4ff0-a560-efd7acb396d9/Couple+with+child+moving+into+new+house+%282%29.png BLOG - Homeownership: Financial Steps to Take Before Buying a Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/daa1fa60-d24a-4316-86a1-e923c29b5218/Website+Image+Circle+%2824%29.png BLOG - Homeownership: Financial Steps to Take Before Buying a Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/eadb3be1-1fe8-43b7-9c41-f3055deb318d/imgg-25z-8hqie3tu.png BLOG - Homeownership: Financial Steps to Take Before Buying a Home - Understanding the Ongoing Costs of Homeownership A common misconception is that homeownership costs stop after the purchase. In reality, owning a home often involves ongoing responsibilities and expenses. Depending on your situation, those costs may include: Property taxes Utilities Insurance Seasonal maintenance Repairs Lawn care Snow removal Home improvement projects Understanding these responsibilities ahead of time can help create realistic expectations and support better planning. Homeownership can be rewarding, but preparation helps ensure there are fewer surprises along the way. Explore Village Bank’s Mortgage Center https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/1773425601521-BF06ICDRZJMCCQXJHWG0/Untitled+design+%2835%29.png BLOG - Homeownership: Financial Steps to Take Before Buying a Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.villagebankonline.bank/blog/shared-finances-for-couples monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/1c62f075-d64e-44af-9461-9fc5c51a8183/Couple+Married+walking+down+the+chapel+%282%29.png BLOG - From Weddings to Shared Finances: How to Navigate Money as a Couple - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/fec76535-be2f-4df6-b801-ace9da0ffc9e/Website+Image+Circle+%2823%29.png BLOG - From Weddings to Shared Finances: How to Navigate Money as a Couple - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/c149ad39-f61e-4d25-ac73-1683e3f9ba37/imgg-e6e-26nvgt04.png BLOG - From Weddings to Shared Finances: How to Navigate Money as a Couple - 4. Create Shared Savings Goals Marriage may bring new short-term and long-term goals. Discussing those goals can help both people understand what they are working toward and how saving fits alongside current expenses. Shared savings goals may include: Wedding or honeymoon expenses Unexpected household costs Vehicle maintenance or replacement Travel Education or professional development A future home Home repairs or improvements Family-related expenses Major purchases Other shared priorities https://www.villagebankonline.bank/blog/financial-steps-first-paycheck monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/84b28b5c-44e1-42ac-a045-6ea0df458de2/Male+warehouse+worker+recieving+first+paycheck+%282%29.png BLOG - Financial Steps to Take When Your First Paycheck Arrives - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/6c5fe9f8-1404-418a-a30c-548aa6fcdf8b/Business+Conversation BLOG - Financial Steps to Take When Your First Paycheck Arrives - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/b5ffed98-207e-4c27-a608-099b8d5ad442/AdobeStock_586579983.jpg BLOG - Financial Steps to Take When Your First Paycheck Arrives - Create a Simple Paycheck Plan Before your paycheck arrives, it helps to know where it needs to go. A basic paycheck plan may include bills and required expenses, savings, transportation, food, debt payments, subscriptions, personal spending, and giving or family support if applicable. https://www.villagebankonline.bank/blog/financial-checklist-for-students-and-young-adults monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/4ceb771a-cb4d-4f60-b5ff-5031cd684212/College+student+with+savings+looking+out+window+%282%29.png BLOG - What Every Student and Young Adult Should Know About Banking - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/ddf175c4-a3b6-495c-8be8-c0f52c43d6e4/1.png BLOG - What Every Student and Young Adult Should Know About Banking - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/c02b94b1-f681-4f63-97d2-b746ddc0677b/AdobeStock_501970157.jpeg BLOG - What Every Student and Young Adult Should Know About Banking - Set Up Online and Mobile Banking Online and mobile banking can help you manage your money from your computer or mobile device. Depending on your account and available services, digital banking may allow you to view balances, review transactions, transfer money, deposit eligible checks, pay bills, access statements, manage debit card controls, and monitor account activity. Digital banking tools can be especially helpful for students and young adults balancing school, work, activities, and busy schedules. https://www.villagebankonline.bank/blog/planning-for-growth-what-local-businesses-should-knownbsp monthly 0.5 2026-05-12 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/6c361c0d-ed72-4f96-8b40-325cbd9220f1/Minneapolis+Business+Journal+Ad+%288%29.png BLOG - Planning for Growth: What Local Businesses Should Know  - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/a49e64a2-5bf7-440b-9d7d-75471467db72/When+is+the+right+time+to+explore+financing+Financing+isn%E2%80%99t+only+for+major+expansions%E2%80%94it+can+also+support+cash+flow%2C+equipment+purchases%2C+or+future+planning.+Exploring+your+options+early+can+help++%288%29.png BLOG - Planning for Growth: What Local Businesses Should Know  - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.villagebankonline.bank/blog/notablewomancolettedahlin monthly 0.5 2026-04-06 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/295be526-f15a-4daa-91e4-fbbeb8431198/Minneapolis+Business+Journal+Ad+%282%29.png BLOG - Colette Dahlin Recognized in Notable Women in Banking & Finance Now is the perfect time to consider your homebuilding project for spring. Building your dream home should feel exciting, not complicated. A One-Time Close Construction-to-Permanent Loan combines construction financing and your mortgage into one loan, one set of fees, and one closing. Learn more at: www.villagebankonline.bank/onetimecloseloan https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/1773425601521-BF06ICDRZJMCCQXJHWG0/Untitled+design+%2835%29.png BLOG - Colette Dahlin Recognized in Notable Women in Banking & Finance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.villagebankonline.bank/blog/village-bank-earns-2025-sba-504-lending-partner-of-the-year monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/31a1150a-96d9-4e52-818b-e54dec2c9898/CMDC+Photo+Final.jpg BLOG - Village Bank Earns 2025 SBA 504 Lending Partner of the Year This repeat recognition highlights Village Bank’s role as a leading SBA lender in the region and its commitment to helping small businesses access the capital they need to grow. With a focus on customized lending and quick decision-making, Village Bank supports entrepreneurs through programs including SBA 7(a), 504, and Express loans. https://www.villagebankonline.bank/blog/fraud-prevention-tips-how-to-spot-and-stop-scams monthly 0.5 2025-10-02 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/eb85d943-937c-41e5-a716-72a19e8feb17/AdobeStock_603721930.jpg BLOG - Fraud Prevention Tips: How to Spot and Stop Scams  - Common Banking Scams to Watch For 1. Phishing Emails Fraudsters send emails that look legitimate but include harmful links or attachments. These messages often request personal information or use fear-based language to get you to act fast. 2. Smishing (Text Message Scams) Scammers send fake text alerts claiming there’s unusual activity on your account, urging you to “verify” by clicking a link or replying. 3. Vishing (Phone Call Scams) A caller may pose as your bank, using urgency or threats to pressure you into giving up personal details. 4. Social Media Scams Fraudsters create fake accounts or send direct messages pretending to be someone you know, often pushing too-good-to-be-true offers or malicious links. https://www.villagebankonline.bank/blog/celebrating-our-grand-reopening-in-st-francis-mn monthly 0.5 2025-07-17 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/fe43d800-cde2-47ef-8a6a-f2ac422b6053/506330229_1111976127619714_8026191839225800760_n.jpg BLOG - Celebrating Our Grand Reopening in St. Francis, MN - Make it stand out Don and Jamie Kveton performing the ribbon cutting ceremony. Village Bank is joined by the St. Francis Chamber of Commerce and MetroNorth Chamber of Commerce. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/1963d73a-0420-4d3e-99a1-d93d5654bb69/St.+Francis+Exterior+Front+Closeup.png BLOG - Celebrating Our Grand Reopening in St. Francis, MN - Our updated St. Francis branch was designed with you in mind, offering a more welcoming, modern, and efficient space to meet your personal and business banking needs. Whether you're opening your first checking account, financing your dream home, or growing a local business, our St. Francis team is here to help—with the kind of personalized service only a community bank can provide. In addition to the transformation at St. Francis, we’ve also made enhancements at our other Village Bank locations in Anoka-Ramsey, Blaine, and East Bethel, to provide a more comfortable and inviting experience. This work wouldn’t have been possible without the dedication of our employees, who remained focused and flexible throughout the process. We’re incredibly proud of the team that made this refresh a reality while continuing to provide exceptional service. https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/e948bbc4-7414-42c9-ab32-a0af01792210/PXL_20250612_152337600.MP.jpg BLOG - Celebrating Our Grand Reopening in St. Francis, MN - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.villagebankonline.bank/blog/village-bank-helps-secure-20000-grant-for-support-the-troops-mn-through-fhlb-des-moines-member-impact-fund monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/5508a6e2-0634-4070-9a6d-7bb1af7db5a6/AdobeStock_209431597.jpg BLOG - Village Bank partners with FHLB to award $20,000 to Support the Troops MN through the Member Impact Fund This grant was made possible through a 3-to-1 matching program, where FHLB Des Moines contributed $3 for every $1 donated by Village Bank. It’s a powerful example of how collaboration can amplify impact, transforming a single contribution into meaningful support for veterans and military families across Minnesota. This award is part of a larger $20 million initiative from FHLB Des Moines to strengthen affordable housing and community development across the state. Support the Troops MN will use these funds to further their mission of providing critical aid to Minnesota veterans, active service members, and their families. https://www.villagebankonline.bank/blog/your-neighbor-your-banker-nbsphow-village-bank-strengthens-our-communitynbsp monthly 0.5 2025-09-09 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/1745528527380-YT8LZ18J2TL2KNX76W4F/Cashier+accepting+payment+at+a+register BLOG - Your Neighbor, Your Banker: How Village Bank Strengthens Our Community - Supporting Local Businesses – The Backbone of Our Economy Small businesses create jobs, drive innovation, and give our community its unique character. At Village Bank, we're committed to providing local entrepreneurs with the financial tools they need to start, grow, and thrive: Business Loans tailored to your specific industry and growth stage Lines of Credit to manage cash flow and seize opportunities Equipment Financing to help your business stay competitive Commercial Real Estate Loans for expanding your business footprint Our business lending team takes the time to understand your business model, goals, and challenges. We don't just look at numbers on a spreadsheet – we consider your vision for the future. https://www.villagebankonline.bank/blog/the-value-of-community-banking-relationships monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/1bb18bf3-27d1-435a-9524-7e692406a0ae/Advantages+of+Community+Banking.jpeg BLOG - The Value of Community Banking Relationships Local involvement makes community banks vital partners in neighborhood growth. These institutions are deeply connected to the areas they serve, actively supporting local businesses, funding community development, and sponsoring area events. Banking locally means joining a network committed to strengthening your community's economic foundation. Community bankers take a solutions-oriented approach to important milestones like business loans, first-time home purchases, and other financial goals. Community banks demonstrate particular strength in their lending approach. Their deep understanding of local market conditions and individual circumstances allows for thoughtful evaluation of lending opportunities. This local insight proved especially valuable during the COVID-19 pandemic, when community banks efficiently deployed PPP loans and relief programs to support businesses and families. https://www.villagebankonline.bank/blog/winter-security-tips-put-holiday-scammers-on-the-naught monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/16914222-8529-430c-a786-b55bd9378b75/AdobeStock_470468587.jpeg BLOG - Winter Security Tips: Put Holiday Scammers on the Naughty List! Don't be fooled by imposters. Be cautious of anyone you don't know asking you for personal or account information over the phone, in response to an email or through a text message. Don't fall prey to pressure. Be suspicious when there is a sense of urgency from anyone calling and asking for money. Hang up and call the company with a number verified by another source like a bill. Don’t get tricked to click. Never click links in suspicious emails or social ads. Don’t download attachments from someone you don't know. Clicking links or downloading attachments can deliver malware, which can help scammers steal your identity. https://www.villagebankonline.bank/blog/the-heart-of-local-banking-your-community-bank monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/d00e9175-ea32-4fe5-aab4-91562fb7c051/02c62bc3-d83c-463e-a03e-4ea65f4d98b7.jpg BLOG - The Heart of Local Banking: Your Community Bank - Unlike large national banks, community banks distinguish themselves through their intimate knowledge of local markets and their commitment to relationship-based banking. Rather than relying solely on automated systems and credit scores, these institutions consider the individual circumstances behind each financial decision. Services Offered: Traditional banking (checking, savings) Personal and business loans Mortgage services Treasury management https://www.villagebankonline.bank/blog/gift-card-scams monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/193f3c75-2620-4ef9-80a5-3d3978906368/Disappointed-woman BLOG - Gift Card Scams: Protect Yourself and Your Loved Ones - How Scammers Operate Scammers use various methods to contact you: Phone calls Text messages Emails Social media messages They may pose as: Government officials (demanding taxes or fines) Tech support (claiming to fix computer issues) Prize distributors (requesting upfront payment) Employers (requesting gift cards for special events) Some scammers even use AI to clone voices, mimicking family members in distress. Key red flags: Urgent demands Pressure to act quickly Threats of negative consequences https://www.villagebankonline.bank/blog/zelle-fraud-vs-scams monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/4a9bddde-d3dd-4afe-b386-8aa404039d6c/Zelle+Fraud+Infographic+Fraud+vs+Scams.png BLOG - Zelle®: Fraud vs Scams - Fraud vs Scam: What’s the Difference? In simple terms: fraud and scam are determined by what kind of permission the person who has your banking information obtained. It’s a matter of giving someone authorization vs. not having authorization on your transactions! FRAUD Example: Let’s say someone gained access to your bank account without permission. You notice a charge on your bank account at a restaurant you’ve never visited before. You will never involved in this transaction - that makes you a victim of fraud. If someone accesses your bank account and made a payment with Zelle® without your consent and authorization, and you weren’t involved in the transaction, this a usually a form of fraud since it was activity that you did not authorize as the account holder.. Make sure you report any unauthorized activity to your bank! In most cases, you typically are able to recover the money lost! SCAMS Example: You see a listing online for someone pretending to sell puppies. You used Zelle® to pay the person online and they never schedule a time for you to meet and all communication ceases without seeing or receiving the puppy. This is a common example of an online scam. When you’re involved in a transaction and you gave someone a “yes” and authorized payment to be issued - this is defined as a scam. Despite being mislead for a service or a good that someone agreed to provide, because you gave consent and agreed to pay someone you might not be able to get your money back. A few common scams that are currently happening are people selling tickets, puppies, and other financial scams. https://www.villagebankonline.bank/blog/is-my-business-healthy monthly 0.5 2024-05-03 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/e0131f5b-86d1-4ebc-a000-01dafbb0726c/Untitled+design+%2822%29.png BLOG - Is My Business Healthy? 3. Listen to Customer Feedback Social media and Google reviews serve as invaluable conduits for gathering customer insights. Positive feedback signals that your business has delivered on its promises, reflecting its health in terms of customer satisfaction and overall performance. Prioritize listening to customer feedback, as retaining satisfied clientele is more cost-effective than acquiring new ones. Emphasizing customer retention is advantageous for the bottom line. 4. Enhance Leadership Skills While entrepreneurs are propelled by passion, they may lack the requisite management or leadership acumen for daily business operations. Recognizing this, it's essential to cultivate leadership skills beyond passion. Invest in honing skills such as industry updates, digital marketing, and financial literacy through accessible online courses and webinars offered by business development agencies, educational institutions, and chambers of commerce. 5. Express Gratitude to Employees Effective leadership entails fostering an environment where employees feel valued and appreciated. Demonstrate appreciation for their contributions by investing in training, offering flexible work arrangements that promote work-life balance, and recognizing their loyalty. Cultivating a cohesive team united by a shared mission augments the overall health of your business. https://www.villagebankonline.bank/blog/steps-that-lead-to-an-sba-loan monthly 0.5 2024-05-16 https://www.villagebankonline.bank/blog/blog-post-title-four-262jr monthly 0.5 2024-05-03 https://images.squarespace-cdn.com/content/v1/65faf317d8170b5858866f57/c6cee8f8-a1d1-4928-a1bd-84b957ba9ee3/AdobeStock_670806253.jpg BLOG - Funding Your Startup - While angel investors and venture capital tend to capture attention, their involvement is limited, with only a fraction of startups securing funding through these channels. For many, approaching large financial institutions may seem logical, yet such institutions typically favor established businesses with proven profitability or substantial collateral. This reality was highlighted during recent episodes during COVID 19 where small business owners were seeking support, such as through the Paycheck Protection Program (PPP), encountered challenges with major banks. https://www.villagebankonline.bank/blog/category/Awareness+Campaign monthly 0.5 https://www.villagebankonline.bank/blog/category/2024+Campaigns monthly 0.5 https://www.villagebankonline.bank/blog/category/Financial+Education monthly 0.5 https://www.villagebankonline.bank/blog/tag/Holidays monthly 0.5 https://www.villagebankonline.bank/blog/tag/Awareness+Campaign monthly 0.5 https://www.villagebankonline.bank/blog/tag/Christmas monthly 0.5 https://www.villagebankonline.bank/blog/tag/Family+Services monthly 0.5 https://www.villagebankonline.bank/blog/tag/Community+Banking monthly 0.5 https://www.villagebankonline.bank/blog/tag/2024 monthly 0.5 https://www.villagebankonline.bank/blog/tag/Scam%2FFraud+Awareness monthly 0.5 https://www.villagebankonline.bank/blog/tag/Zelle monthly 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