CSB & ICBA Tips to Help Grads Secure Their Financial Future

FOR IMMEDIATE RELEASE

Contact: Nicole Swann, nicole.swann@icba.org, 202-821-4458 or Leah Driver, ldriver@mycsbin.com, 765-529-5450

New Castle, IN (May 22, 2025)—As students prepare to transition into the workforce, Citizens State Bank (CSB) and the Independent Community Bankers of America (ICBA) are providing tips to put them on the path to a prosperous financial future.

“As a community bank, we can help new graduates take control of their financial situations and create a plan based on their unique circumstances and life goals,” said Brock Davis, Chief Banking Officer at CSB. “We know that the transition to the workforce or higher education can be challenging, and we offer support to new graduates who are establishing their financial independence.”

CSB and ICBA offer the following tips to help graduates create a financial gameplan during their wealth-building years to set them up for success through their major financial lifecycle events:

• Start a budget. Learn about our online services designed to track and manage your finances.
• Spend responsibly. Comparison shop before making major purchases and stay within budget to avoid jeopardizing your financial goals.
• Monitor your credit. It helps you stay on track, spot issues early, and make money moves that support your future goals.
• Establish an emergency fund to cover unexpected events. A good goal is three to six months of net pay. Start small or with a lump sum and build from there.
• Pay off student loans. Ask about programs to help pay off student debt faster when negotiating benefits with prospective employers.
• Plan for retirement. Allocate a portion of each paycheck for savings and take advantage of employers 401(k) plans and any matching contributions offered.

“It’s never too early to take stock of your financial situation, develop and maintain good financial habits, and create a framework to help meet your financial goals and prepare for unexpected life occurrences,” said ICBA President and CEO Rebeca Romero Rainey. “Reach out to your local community banker to create an action plan to put your finances to work to help ensure your prosperous financial future.”

Let us know if you'd like to learn more about how to take control of your financial future.

About Citizens State Bank
Citizens State Bank is a fourth-generation family-owned community bank that has offered personal and business financial services in Central Indiana since 1873. Our mission is to help our clients, co-workers, and communities succeed. We believe every client deserves to have a banker they can count on, and we are committed to being a responsible, knowledgeable banking partner. To learn more, call 888-529-5450 or visit www.mycsbin.com. Discover the difference a local bank can make.

About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.   

As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.

###

The views, information, or opinions expressed in this article are solely those of the author and do not necessarily represent the views of Citizens State Bank and its affiliates, and Citizens State Bank is not responsible for and does not verify the accuracy of any information contained in this article or items hyperlinked within. This is for informational purposes and is no way intended to provide legal advice.