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News:
08/11/08 The new Internet Banking eCom 3.9 Release has been loaded this morning, Monday August 11th. The new features and enhancements in this release give the nation’s most popular Internet banking product a new look and feel that are already generating a lot of excitement. Our customers will find it easier to log in and get the financial information they need. A new consolidated Options page, where customers can edit their personal and security information, as well as enhanced relationship and account summary pages, also improves the customer’s online banking experience.
SIMPLIFIED NAVIGATION Enhanced Login Capabilities The addition of a drop-down menu on the Internet Banking eCom login page lets our customers jump directly to the specific area in Internet Banking eCom they want to display, saving them time and requiring fewer clicks to perform financial tasks online. NAVIGATION - Detailed View of Relationships
A new
relationship summary page provides customers with an overall view of their
relationships with Mercer County State Bank. Customers use their
relationship summary page to view real-time balances and account histories
of multiple accounts. They can also transfer funds, make third-party
payments using Bill Payer, schedule future transactions, and perform a
variety of other functions.
Another
addition to Internet
Banking eCom,
the account summary page, provides a convenient method for viewing
individual account information. Customers can perform express transfers
between accounts, view account history, review existing transfers or
schedule new transfers and payments – all from one screen. The new
drop-down menus and information-sorting capabilities provide the tools to
manage funds more efficiently. Customers use a drop-down menu at the top
of the page to select the account they want to view from a list of all
their accounts. On each account summary page, a Transactions section
displays account history. Another drop-down menu gives customers the
option to select the type of history shown, such as Recent Transactions or
Current Statement. The account summary page also furnishes customers with
options for sorting a variety of information, including data from the
Transactions, Scheduled Transfers, and Scheduled Payments sections.
Clicking on a column heading, such as Check Number or Debit, sorts
transactions numerically or alphabetically, while clicking again on the
heading reverses the order. Customers can use the column sorting feature
to locate specific account activity when only a fragment of information is
known, such as an amount or date. The new Options page in Internet Banking eCom enables customers to quickly and efficiently manage their personal and security information on one convenient page. Your Internet Banking eCom customers can view and edit the following on their Options page: Password Theme Security Data Primary Account E-Mail Address Account Nicknames Security Question and Answer If you have any problems logging into our Internet Banking product, please call our Bookkeeping area for assistance at 724-376-7015 or 800-376-7015. |
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News:
05/30/08 1. Customers who are accessing Internet Banking from our Home page (www.mcsbank.com) will be automatically directed to the new secure domain address after 9:00 AM on Friday, May 30th. 2. When customers log-in to the new domain address for the first time, they will be required to answer one of their multifactor authentication (MFA) security challenge questions that they have initially answered. A successful answer enables customers to optionally re-register their PC, which ensures they will not be challenged with the security questions the next time they log in.
3. Customers who
have bookmarked Mercer County State Bank's Internet Banking Log-in page will
need to return to
www.mcsbank.com
to access the new secure domain log-in address. If not, the customer could
receive the following message: The change to a newer secure log-in domain address is preparing us for a newer version of Internet Banking which is coming this summer. Listed below are just a few of the new enhancements that will be coming soon: 1. The addition of memoposted items on Current Statement Transactions, new column sorting capabilities and streamlined account-to-account navigation makes it even easier for customers to log in and get the financial information they need. 2. The Transactions menu will include a Recent Transactions page, which displays both current and previous business day transactions. 3. Several pages will be consolidated to create an Options page where customers can edit all of their personal and security information.If you have any problems logging into our Internet Banking product, please call our Bookkeeping area for assistance at 724-376-7015 or 800-376-7015. |
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News:
02/01/2006
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Ray Kaltenbaugh, president of Mercer County State Bank, extends a warm welcome and “congratulations” to Eric Hoover, the board’s new director. As a local resident for 41 years, Eric Hoover can bring his community perspective to the board. He also knows the needs of the business person because of his involvement with Excalibur Machine and Camelot Consolidated, both local companies. Eric & Annette Hoover reside in Conneaut Lake, with their two children, Justin and McKenna. Eric’s comment regarding joining the board, “MCSB can meet your financial needs of the future. They will do this by understanding the people and the communities they serve. I’m eager to begin my tenure with the board and such a fine bank.” |
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 From left to right, Harold A. McQuiston (standing), Glenn Snyder (sitting), James C. Henderson (standing) |
They have been such an integral part of the local community
and to the Mercer County State Bank. And they will be missed dearly. These
three men have dedicated 87 total years to the bank and have guided the bank
through tremendous growth. They have also been very active in local,
community events. How do you say “goodbye”? You don’t! Instead you say
“Thanks” and “stop in and visit any old time.”
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Who are these three valuable directors? Let’s recap.
James C. Henderson served the board for 35 years and has “lived locally all my life” (as Jim put it!). He was a 1943 graduate of Sandy Lake High School and a 1950 graduate of Grove City College. He and his wife, Nancy, are proud parents to four daughters. Jim has been an engineer for CB&I in Greenville for 32 years. On his retirement Jim stated, “Mercer County State Bank has shown remarkable growth during my involvement as a director. A number of branches have been added including Cambridge Springs, Meadville, Cochranton, and Clintonville with several branches in Mercer County. Many services have been added, including an investment broker and an insurance broker.”
Harold A. McQuiston has devoted 30 years to the bank and he has been a local resident for 80 short years! He attended New Vernon Township Elementary School and Sandy Lake High School. Harold and his wife, Sally have been local residents for years. Harold has four children: Bruce McQuiston (Insurance), Ellen Maloney (a teacher), Cathie McQuiston (an attorney), and Susan McQuiston (a teacher and basketball coach). Harold has been involved in a local jewelry store and McQuiston Insurance Agency. His thoughts on the bank, “I have been honored to serve on the Mercer County State Bank board for 30 years and realize what a fine bank it is for the customers that are served by the bank. To the excellent employees and management team…..Thank you!”
Glenn Snyder has served on the board for 22 years and has been a local resident for 50 years. He is a graduate from Franklin High School. He and his wife, Shirley, reside in Sandy Lake and raised their 4 children here (Sharlene, Ronald, Robert, and Susan). On his retirement he added, “I am confident that the new leadership of the bank can and will remain faithful to the ideals, goals, and philosophy that has always been the foundation of our continuing success.”
As you can see, these three men have dedicated themselves to this wonderful community and to the customers of the Mercer County State Bank…..Community Minded….Just Like You!
News:
05/13/2005
Press Release for
Mercer County State
Bank Unites with McQuiston Insurance and Hume Insurance Agency
Sandy Lake, PA – You’ve heard the expression, “United we
stand…”, and no where does it ring more true than here in the Lakeview
area. Two longtime businesses have joined forces to bring their shared
clientele strength and support in the ever-changing world of business.
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In October 2004, Mercer County State Bank formally acquired McQuiston Insurance in Sandy Lake, and Hume Insurance Agency in Grove City, but the idea was put into motion long before that. Bruce McQuiston, of McQuiston Insurance, explains that plans for the merger began approximately two years before, when he approached the president of Mercer County State Bank, Ray Kaltenbaugh, and suggested that the bank should consider combining the insurance services with banking products, as a way to improve the convenience and quality of service to the community. |
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| Ray Kaltenbaugh and Bruce McQuiston |
Bruce, a lifelong resident of the community, and a 3rd generation
of McQuistons in Sandy Lake, graduated from Lakeview High School. McQuiston
Insurance agency was founded by Bruce’s father in 1954. Seeing the
potential for a great career in the insurance business, Bruce obtained his
insurance license in November 1974 and began his employment at the agency.
He attended Dickenson College in Carlisle, Pennsylvania, and Mills College
in Oakland, California. Bruce has completed many LUTC classes, as well as,
enrolls annually in insurance Continued Education classes. In May 1991,
Bruce purchased McQuiston Insurance agency from his father.
The opportunity to acquire the Hume Insurance Agency came about in 1995,
when Bruce presented a proposal to George Hume, who was the owner at that
time. Hume Insurance Agency was started in 1920 by George’s father, Robert
E. Hume. George joined the business in 1950. Bruce had a vision for the
union believing that continuity and the strong similarity of goals would
enhance community service.
The history of family relationships with Mercer County State Bank and
McQuiston Insurance comes from lifelong friendships. In light of current
market trends with the banking industry joining forces with insurance
companies, Bruce realized that it would be in the best interest for all to
combine the two businesses. He said, “I knew their beliefs and goals were
extremely compatible with my own visions of the future of the community, and
its future needs.” McQuiston Insurance and Hume Insurance Agency offer
insurance products for Life, Health, Home, Auto, Business, and Flood. The
employees at both of the insurance agencies are now under the same umbrella
as Mercer County State Bank.
During the first six months of the merger, McQuiston Insurance has embraced
new opportunities in the business world. “With the combined efforts of
meeting goals, and a clearer vision of future growth through team effort,
organization, and trust,” explains Bruce, “this is a great benefit to
everyone.” He invites everyone to stop in and visit both agencies, and the
staff will be happy to help with any questions or concerns. Ray Kaltenbaugh
added “Market trends and relationships will expand as both businesses
continue to realize their combined strength, and strive to provide the
quality customer service and products that have made both Mercer County
State Bank and McQuiston Insurance survivors, even in times of change.”
More quality in service, more quality in products, more quality in
employees. In a word….quality.
News:
03/21/2005
Press Release for Community
Banking Week -
Mercer County State Bank Joins in Community Banking Celebration
Sandy Lake, PA – Mercer
County State Bank joins community bankers throughout the nation to celebrate
Community Banking Month, in April. This year’s theme, “Community Banking
Yields Community Benefits” will be demonstrated during the bank’s
celebration activities, concentrating on the week of April 11-16, which has
been designated Community Banking Week in Pennsylvania.
On Friday, April 15th, Mercer County State Bank will be hosting a “Customer Appreciation Day” at all of their 9 locations. Along with refreshments, Mercer County State Bank will be holding a coloring contest, and giveaways. Celebrating “Customer Appreciation Day” is one way that Mercer County State Bank would like to convey the community banking mission, and the unique criteria which differentiate them from other financial institutions.
“Most people who do business with our bank think that personal service is what sets us apart, but the benefits of community banking are much more; reaching to the very heart of our local communities,” said Ray Kaltenbaugh, bank president and CEO.
Community banks operate differently from the larger financial institutions. In contrast, community banks put the people of their communities first in all financial decisions made, which are done locally; employees are local residents; and reinvesting in the communities which we serve is a high priority.
Community Banking Week is sponsored by the Pennsylvania Association of Community Bankers, a state-wide organization with more than 250 community banking institutions as members.
Collections for the disaster victims were held in January at the local branches, and money was donated by Mercer County State Bank customers. The bank employees also held a collection, and that total was matched by the Board of Directors. A grand total of $4,177.97 in contributions was collected and sent to World Vision for relief and recovery assistance.
The bank extends a heartfelt thank you to all their customers that donated so generously. In addition, the bank also commends the employees and the Board of Directors for their efforts in contributing to the relief of those who are suffering from the disaster. Mercer County State Bank is proud to be a part of the communities it serves.
Another major effort of the bank was the construction of the new Meadville Office. The current office in the Meadville Mall will be relocated to the new facility in January 2005 with a grand opening celebration on February 4th and 5th. This new location will provide better access for our customers and will include drive up banking and drive up ATM facilities.
On the deposit side of the bank, new checking account products were added for consumer and business customers. And internet banking has done much better than expected. Customers appreciate the convenience of 24/7 banking. And the impact of Check 21? The changes and confusion expected with the enactment of the Check 21 legislation in October never seemed to materialize for Mercer County State Bank.
Many more behind the scenes technological improvements will be made in 2005. A new customer service system designed to speed up and simplify processing new accounts will be implemented. In addition, an updated teller processing system will be installed. Both of these improvements will increase the efficiencies of processing customer transactions.
So yes, 2004 was full of new and fun changes….but 2005 promises even more.
Stop by our new office and visit with the friendly staff. We're looking forward to this new relationship - doing what community banks do best - making a difference in our community.
The acquisition will be the ninth branch office of Mercer County State Bank and third in Crawford County, the others being in Vernon Township and Cochranton.
This agreement is subject to regulatory approval by the State Banking Department and The Federal Deposit Insurance Corp. Closing is expected to occur in the second of quarter of 2001.
Ray Kaltenbaugh, Chief Executive Officer of Mercer County State Bank, states that the branch in Cambridge Springs is a natural extension of our banking area and is a key acquisition in the bank's plans for continued growth. Mr. Kaltenbaugh also stated that all present employees of the Cambridge Springs office will be offered the opportunity to participate in establishing Mercer County State Bank's presence in the community.
"We've applied to the FDIC (Federal Deposit Insurance Corp.) and the state," said Glenn Snyder, Mercer County State Bank President. "We have to get approval from federal and state regulators. I can't really give a date, but we expect to be open in the second quarter. We have had many requests for a branch in the Meadville area. We intend it to be a full-service office. We have high expectations for it."
The office will have an ATM and plans to create a drive-in facility are being discussed. The office is expected to employ between six and ten workers when it opens.
The Meadville office will be Mercer County State Bank's eighth branch overall and its second in Crawford County. The other Crawford County branch is located inside the Market Place supermarket in Cochranton. However, the supermarket office will be replaced later this year with a freestanding office, which will be located along Franklin Street near the U.S. Post Office in Cochranton. The new Cochranton office will be a full-service office with three drive-in lanes.
2000 saw the remaking of the former restaurant in Sandy Lake into a loan-processing center for Mercer County State Bank. The Mortgage Processing Center opened in September 2000 for the processing of loan documentation and home for the Secondary Market Mortgage Department. Centralization of processing, as well as specialization within the mortgage department will provide customers with better service and additional mortgage products.
A new product introduced in 2000 was the Business Advantage
Account - a comprehensive business package that enables smaller businesses to take
advantage of certain discounts and services. Equipment Leasing, Investment Sweep
Accounts, SBA Loans, Insurance Products, a Toll Free Call Center as well as discounts on
long distance phone service, office products, check orders and much more are available to
help the business owner save time and money.
In April 2000, Mercer County State Bank opened its doors to a new location in the
Meadville Mall. This spacious office employs five full time employees and part-time
help, as needed. The full service branch located inside the Meadville Mall, is the
second location for MCSB in Crawford County. Located at 16881 Conneaut Lake Road,
Suite 120, this newest office provides opportunity for growth as well as additional
convenience for existing customers. Mercer County State Bank looks forward to the
opportunity to meet the financial needs of the Crawford County area.
In June 2000, the Cochranton office, formerly located inside the Market Place, moved to
its new location at 110 North Franklin Street. This full service branch includes a
drive-up ATM, three drive through lanes as well as safe deposit box rentals, previously
not available at the former location. Originally opened in 1997, the Cochranton
branch was the first de nova branch for Mercer County State Bank as well as the first
branch located in Crawford County. Branch growth, as well as customer's needs,
prompted management to seek options for a new site that would provide services not
available in a supermarket branch environment. Property was purchased and a new
office constructed based on similar designs of the Sandy Lake Service Center and Jackson
Township Offices. Opened in June 2000, this new location provides additional
opportunities for growth in the Crawford County area, as well as northern Mercer County.
The Cochranton vicinity has been very receptive to the addition of Mercer County
State Bank in the community.
The Data Center, located at Franklin Street in Sandy Lake, has been upgrading and
replacing equipment in order to prepare for the future. A new phone system was
installed in 2000 that enables customers to reach an officer's voice mail to leave
messages when the officer is unavailable. A new NDP500 Proof Machine was ordered, to
be installed in early 2001, that will enable MCSB to archive images of checks for easier
research as well as the ability to offer check imaging statements in the future. An
internet Portal system was also purchased that will provide customers the opportunity to
customize their own log-in internet page with information and links for news, sports,
stock quotes, weather and much more.
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Recap of Year 1999
The Data Center was very busy in 1999 with the Year 2000 project. All mission critical
hardware and software were tested and either upgraded or replaced, as needed. Much
appreciation is extended to the Data Center personnel and Year 2000 Committee for their
dedication and hours spent working on the Y2K project to ensure that customer service
would continue uninterrupted into the new millennium. The Year 2000 project not only
prepared the institution for January 1, 2000 – the changes that were implemented lay
the foundation for improved services in the future.
With power outages occurring periodically, a diesel backup generator was purchased for the
Data Center. The generator was installed during the summer and can provide electrical
power to the entire building. Within seconds of a power outage, the generator will supply
power to the Data Center in order to keep operations running indefinitely.
The mainframe computer upgrade was purchased in 1999 and was installed in the first
quarter of 2000. The new system will accommodate the bank’s continuing growth as well
as increase on-line network access, thus providing better customer service. The newer
system also allows the possibility of adding Internet banking to the services provided to
our customers.
Mercer County State Bank has taken positive steps toward improving its loan options for
customers. A partnership has been formed with PHH Mortgage Services, a division of Cendant
Corporation, in the mortgage department. The relationship with PHH provides the ability to
write longer-term fixed rate loans that previously were not available at Mercer County
State Bank. Options are available for terms up to 30 years on a fixed rate and as little
as zero percent down.
Mercer County State Bank was honored as Business of the Year for 1999 by the Sheakleyville
Fire Department. Mercer County State Bank has been a strong supporter of the Sheakleyville
Homecoming sponsored by the Fire Department.
1999 was a special year for the town of Sandy Lake – they celebrated their
Sesquicentennial during the summer. Mercer County State Bank was represented in the parade
with a float entitled "Banking - Yesterday, Today and Tomorrow". Parade
participants had a great time, in spite of the drenching downpour midway through the
parade route.
