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In the spirit of joy and gratitude, we want to express our heartfelt holiday wishes to you and your family. May your Christmas season be filled with joy, laughter and good health.

As a reminder, Bath State Bank will close at Noon on Dec. 24th for Christmas Eve and will be closed on Christmas Day. Our online banking/mobile app and our ATMs (located in Bath, West College Corner, Liberty and Brookville) are available 24/7.

Thank you for your business. We will reopen on December 26. Happy Christmas!

As we buy and mail presents during the holidays, the high vol­ume of mail and packages provides many avenues for scammers. Deliveries can be easy targets for thieves and con artists, and so can email.

When you’re expecting a lot of packages over the holidays, shippers will often provide updates on the order status. Know­ing this, scammers will also send phishing emails pretending to be from companies like FedEx and UPS to lure us to phony web pages and get us to share personal information.

Look closely at delivery notifica­tions and email updates before you click on links or input information. Remember, UPS and FedEx won’t ask for personal information via email.

All of those packages stacking up outside your door can be tempting for thieves. Consider tracking your package so you’ll know when they’ve arrived or perhaps have them de­livered to your workplace to ensure packages arrive safely.

It's Santa Day! Santa Day is our holiday tradition for our BSB customers and shareholders for the past 35 years. Our event is Dec. 5 in Bath, 4:30 p.m.–7 p.m. We hope to see you for Santa Day. No early-birds please as we need time to prepare for Santa’s arrival.

Have you heard? The U.S. Treasury stopped the production of the U.S. Penny earlier than previously announced as the final penny was stamped earlier this month. This marks the end of production of the one-cent coin after more than 230 years in circulation.

It costs 3.7 cents to produce a penny. This decision, driven by the high cost of manufacturing pennies and declining cash use, is projected to save taxpayers approximately $56 million annually.

Pennies will remain legal tender, which is fortunate since more than a billion dollars’ worth are in circulation. Most are rarely used as they gather dust in dresser-top coffee cans, are forgotten in vehicles or discarded in “take a penny, leave a penny” bowls at cash registers.

Hoarding pennies is not necessary. Pennies will not inherently become more valuable after production ends as they will still be worth one-cent.

We will have more information about this important topic when the Federal Reserve announces new regulations early next year.

A Health Savings Account (HSA) is a tax-advantaged personal savings account for individuals enrolled in a High Deductible Health Plan (HDHP) to pay for qualified medical expenses like deductibles, co-pays , prescriptions and such. Funds grow tax-free and withdrawals for eligible medical costs are tax-free -- offering a way to save and pay for healthcare with pre-tax dollars. 

A health savings account is yours, not your employer’s. You control the account. If you switch jobs, no problem as your account remains with you. You operate it with a special HSA debit card/checkbook. BSB offers these accounts. Simply ask about the account today, and how it would benefit you and your family.

An HSA offers a unique blend of tax advantages and flexibility. That’s a game-changer in your financial planning. A few fun facts about its use include:
--The funds are portable and never expire
--You can use it as a retirement fund after age 65
--You can use it for surprisingly common items beyond hospital stays and prescription drugs. Many people are unaware that HSA funds can be used for: Over-the-counter medications, sunscreen, chiropractic care, hygiene products, hearing aids, pill organizer, eyeglasses/contacts, birth control, acupuncture, transportation for medical care, dental services, breast pumps, compression socks, lip balm, air purifiers and more.

New Regulation for 2026: Effective Jan. 1, 2026, you can use your HSA funds to pay for Direct Primary Care memberships.
 

Driver's licenses provide a reliable means of confirming your identity, enhancing security and reducing the risk of fraud. By verifying your identity with a driver's license, Bath State Bank can significantly reduce the risk of unauthorized transactions. Secure verification helps prevent fraudulent activity on your account.

Although many of our front-line workers know you by name, oftentimes, you might come in contact with a staff member helping on the front line who is not familiar with faces. Having a copy of your I.D. helps us with the transaction and helps keep your account safeguarded. We also might check with you to see if there are any changes in your address, so bank statements or CD renewal notices will be mailed to the correct location.

All banks, us included, must adhere to strict anti-money laundering regulations, so requesting driver's licenses helps us meet these compliance standards. While the request for a driver's license may sometimes feel like an inconvenience, it ultimately serves to protect your account.

Bath State Bank will be closed on Monday, October 13th for observance of Columbus Day. As always -- our auto phone teller, online banking, mobile app and ATMs are available for customer convenience. Thank you for your business.

JOIN OUR TEAM! Bath State Bank is currently seeking a full-time Call Center Representative. The qualified individual in this position is required to: be reliable, be highly detail oriented, have willingness to learn, and have good customer service and phone skills. Must be proficient in using all types of computer devices. Previous banking experience is helpful, but not required. 

This position will work a shift from 8 a.m. until 4 p.m. (Monday - Thursday); and on a Friday rotation of 8 a.m. - 4 p.m. and 10 a.m. – 6 p.m. NO WEEKENDS.

Interested candidates for this position should submit a resume before Oct. 11th, 2025, to: Human Resources, Bath State Bank, PO Box 10, Bath, Ind. 47010 or email humanresources@bathstatebank.com. Emailed resumes MUST be in PDF or Word format and attached to the email. 

Facebook Messenger messages are not accepted. Bath State Bank is an equal opportunity employer.