NEWSW I N T E R 2 0 2 1

IN THIS ISSUE 50 Plus E-Newsletter

Debit, Credit Card Alerts

50 Plus Club Traditions, Memories and Recipes

Giving Back This Season

We’ve finally jumped on the E-Newsletter bandwagon! Yep, The 50 Plus E-Newsletter launches spring 2021. Enjoy the same

great content with the convenience of instantly receiving our newsletters in your email inbox.

DON’T HAVE AN EMAIL ADDRESS? No problem! We will provide the most up-to-date newsletters on our website at RiverWoodBank.com, or stop by your local RiverWood branch for a printed copy.

In times like these, it’s important to receive clear, consistent communication. As your bank, we want to be sure we are

reaching you in the most convenient ways possible.

Please contact your local 50 Plus coordinator to make sure we have an email on file.

The Official Launch!50 Plus Club

E-NEWSLETTER

Are you using the power of your credit or debit card to help protect yourself against fraud?

By setting up text alerts or notifications you’ll know when your card is being used, how much is being spent, and even when it’s time to pay your bill.

In a world where crooks look for ways to access our accounts, alerts give us an early warning that something might be wrong or needs immediate attention.

These text or email alerts can be controlled and customized via online banking, through your credit card issuer’s website, or with a mobile app. You can choose to get them via texts, emails or push notifications.

These powerful safety features can:

Alert you to card use—things like transaction amount, online or phone purchases, foreign purchases, fuel purchases, and ATM withdrawals.

Show you account balances, provide reminders about when a payment is due or when it is received, and display available credit.

Visit our website or stop in to ask about how alerts can help protect you from fraud and keep you informed about your accounts.

Now is the time to turn on the power of account alerts!

Debit, Credit Card Alerts Help Keep You Safe and Informed

Unfortunately, our 2020 Holiday party has been canceled due to the COVID-19 pandemic. We value the health of our members and staff very much. We want to thank you all for your support throughout this time.We’re proud to announce that our 50 Plus coordinators will donate funds from our annual holiday parties to local nonprofit originations in the communities we serve. Our trusted local nonprofit partners are addressing the crucial needs of the most vulnerable populations. Based on their guidance, we have committed to donating funds to aid their support in serving individuals and communities most critically impacted by this crisis. These resources will strengthen programs we’ve long championed while allowing our non-profit partners to remain flexible and responsive in their support for the community.

Merry Christmas and a blessed New Year from all of us at

RiverWood Bank!

Renae Olson and Randy Anderson with Erin Koehntop of

RUSC Kinship Mentoring

Cindy Youso and Amanda Wood with Jill Gubbels of The Brinks Senior Center

Big Lake Branch pictured with Sandy McClury of Big Lake Food Shelf

Alison LeBlanc and Jenni Smolke with Paul Welch from Breath of Life Adult Day Service

Chelsey Cardinal pictured with Sharon Braaten of Clearwater County Food Shelf

Sheryl Madden with Garret Schmidt of Benson Public Schools

Susie Lande with Chief Lohmiller of Crosslake Fire Department

Sandy Hennessey with Pam Loidolt of Monticello Senior Center

Lori Fillipi with Mary Mitchell of Bemidji Food Shelf

‘Tis the season ofgiving!

MONTICELLO

Sandy Hennessey (763) 271-1454

Christmas is my favorite time of the year! But I am in the Christmas mode/mood all year as I make and design many of the gifts that I share

with friends and family. Every year the women on my husband’s side of the family each receive one thing I have made for them, and now that has extended to my Riverwood female family too! I have made most of the items in my vast snowman collection and my smaller Santa collection. Something I have fun with is changing someone’s discarded item into a treasure.

MORRIS

Renae Olson (320) 208-6157

My mom always enjoyed baking. She would make around ten different kinds of cookies at Christmas time. One year on Christmas

Day, it was only going to be my husband and me, my mom, and our two daughters. That day my mom wanted to share her baking skills for making Krumkake. This is a Norwegian cookie using a special iron.We had so much fun that a couple of years later, she made her rosettes. This, too, is a Norwegian cookie, using a special iron. My mom passed away a year ago, and I am treasured she could show her baking with my family. My daughters and husband will always remember those two special Christmas Days.

KrumkakE1 cup sugar2 eggs1 cup sour cream¼ tsp. soda in hot water2 cups flour¼ cup melted buttervanilla

Mix in order, bake on a Krumkake iron until golden brown. Roll them up while still hot.

BAXTER

Debbie Rudbeck (218) 316-7193

When I was young, Christmas was always a magical time. Not only because of the great gifts we all received, but more importantly, my

family celebrated the birth of Jesus Christ. We would get dressed up in our new Christmas clothes, and off to church we would go. On Christmas Eve, the children of the church would perform the service for the congregation. With smiles on our faces and excitement in our hearts, we would tell the good news that our Savior was born. On returning home, we would find more gifts under the tree than when we left. (That must be why it took Mom so long to get to the car.) Santa had come when we were at church! I am so blessed to have had parents who taught me the true meaning of Christmas.

BAGLEY & BEMIDJI

Lori Fillipi (218) 308-2207

Our family has always gone to the Christmas Eve church service. The tradition of singing Silent Night in a

candlelit church is such a beautiful reminder of why we celebrate Christmas. It is nice to have that time of reflection before all the excitement that follows. As a child, I remember coming home from church to see a deer’s herd by our house. My parents told us they were getting ready to help Santa. I was so excited! Not too long ago, I had the same experience, but as a parent this time. It was so fun to see the deer that Christmas Eve! It brought back a great childhood memory. I received this recipe from a co-worker many years ago, and it is now a holiday favorite.

sweet potato casserole3 c. drained mashed sweet potatoes2 eggs, beaten1 tsp. vanilla1 c. sugar1/2 c. butter, softened

Mix sweet potatoes, eggs, vanilla, sugar and butter. Put in 9x13 casserole dish.

Topping1 c. brown sugar1/2c. flour1 c. pecans, chopped1/2 c. butter

Mix until crumbly brown sugar, flour, pecan and butter. Add to top of casserole dish. Bake at 375º for 45 minutes.

CROSSLAKE

Susie Lande (218) 316-3775

ALWAYS ALWAYS ALWAYS we had this at our Christmas dinner when I was a young girl and I make it still for my family. They love this … even the little ones.

baked cranberriesCranberries (4 cups)                   2 Cups Of Sugar10 Oz Bag Frozen Whole Raspberries2 T Triple Sec½ Cup Sugar

Spread rinsed and drained cranberries in a glass 9x13 pan. Sprinkle with 2 cups sugar and toss to coat. Bake until sugar is dissolved and hot and bubbly stirring twice. Stir in raspberries, triple sec and ½ cup sugar. I use (2) 12 oz. bags of cranberries and (1) 10 oz. bag raspberries. Refrigerate covered, keeps for a LONG time. Oven 350 for 40 minutes.

Christmas TRADITIONS are a rich source that can stir powerful MEMORIES—pine, spruce, or fir tree; holiday baking like shortbreads or apple pie; a fireplace; popcorn; turkey roasting; hot apple cider. Please enjoy our 50 Plus Club coordinators’ favorite memories and recipes around the holidays.  

Our LocationsBAGLEY ATM

22 First Street NE P.O. Box 340Bagley, MN 56621P: 218.694.6153 F: 218.694.6154

BAUDETTE ATM

109 Main Street W P.O. Box 698Baudette, MN 56623P: 218.634.1204 F: 218.634.2207

BAXTER ATM

14540 Dellwood Drive P.O. Box 2947Baxter, MN 56425P: 218.824.8400 F: 218.316.3796

BEMIDJI— DOWNTOWN ATM

214 5th Street NWP.O. Box 458Bemidji, MN 56619P: 218.751.5120 F: 218.751.0355

BEMIDJI— PAUL BUNYAN DRIVE ATM

1260 Paul Bunyan Drive NW P.O. Box 458Bemidji, MN 56619P: 218.751.8610 F: 218.751.9706

BENSON ATM 1329 Pacific Avenue P.O. Box 345Benson, MN 56215P: 320.843.3330 F: 320.843.2959

BIG LAKE ATM

240 Jefferson Boulevard P.O. Box 650Big Lake, MN 55309P: 763.262.2265 F: 763.263.0418

CROSSLAKE ATM

36139 County Road 66 P.O. Box 899Crosslake, MN 56442P: 218.692.6663 F: 218.692.6665

MONTICELLO ATM

1421 7th Street EMonticello, MN 55362P: 763.295.2265 F: 763.295.2355

MORRIS ATM

532 Atlantic Avenue P.O. Box 656Morris, MN 56267P: 320.589.3454 F: 320.589.1225

Traditions, Memories & Recipes

Photo by averiecooks.com

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BAUDETTE

Amanda Wood (218) 634-1624

So many memories are gathered

each year around the tree. The excitement from setting it up and hanging all the special ornaments from years past, to all the love and joy we share around the tree when we gather there. Every year we are sure to take many photos in front of the tree and these have been some of the most cherished childhood memories for all ages! Merry Christmas from our family to yours!

BIG LAKE

Naomi Jacobson (763) 262-4075

The true meaning of Christmas was revealed to me years ago. Christmas found me as a newly single mother of

two beautiful daughters. Trying to juggle two jobs, a house payment, utilities, groceries, and two girls was putting a severe strain on my finances.

Every parent wishes to give their child the best that they can. So it is no wonder that my heart was breaking when I had no choice but to tell my little girls that I could not afford to put any presents under the tree. In the beautiful innocence of a child, my girls told me, “It’s ok, Mom, we have each other.”Later that night, after my girls went to sleep and I could reflect on the Christmas we shared, I cried for not being able to give them what I thought they deserved, but then it dawned on me what a great present God had given me, the gift of love, and I cried for joy. The pure and innocent spirit of a child reminded me that it isn’t about the presents, but sharing the love that Christ has for us, that is Christmas!

Our church has started a tradition of sharing the love by providing random strangers with “Giving Jars.” We save our change throughout the year, and at Christmas, our confirmation students spend an afternoon handing out the filled jars to random people. Each year I am so touched by the people who receive them and the stories that they tell about how much they needed it and the struggles they were enduring. Christmas to me is sharing the love and giving to others. As a family, we now buy Christmas gifts for those in need from our church giving tree, we volunteer for the local Lions and fill food baskets, and have volunteered for the Salvation Army bell ringing and sharing the love of Christmas. Please consider sharing the love at Christmas.

MONTICELLO

Sandy Hennessey (763) 271-1454

Christmas is my favorite time of the year! But I am in the Christmas mode/mood all year as I make and design many of the gifts that I share

with friends and family. Every year the women on my husband’s side of the family each receive one thing I have made for them, and now that has extended to my Riverwood female family too! I have made most of the items in my vast snowman collection and my smaller Santa collection. Something I have fun with is changing someone’s discarded item into a treasure.

MORRIS

Renae Olson (320) 208-6157

My mom always enjoyed baking. She would make around ten different kinds of cookies at Christmas time. One year on Christmas

Day, it was only going to be my husband and me, my mom, and our two daughters. That day my mom wanted to share her baking skills for making Krumkake. This is a Norwegian cookie using a special iron.We had so much fun that a couple of years later, she made her rosettes. This, too, is a Norwegian cookie, using a special iron. My mom passed away a year ago, and I am treasured she could show her baking with my family. My daughters and husband will always remember those two special Christmas Days.

KrumkakE1 cup sugar2 eggs1 cup sour cream¼ tsp. soda in hot water2 cups flour¼ cup melted buttervanilla

Mix in order, bake on a Krumkake iron until golden brown. Roll them up while still hot.

BAXTER

Debbie Rudbeck (218) 316-7193

When I was young, Christmas was always a magical time. Not only because of the great gifts we all received, but more importantly, my

family celebrated the birth of Jesus Christ. We would get dressed up in our new Christmas clothes, and off to church we would go. On Christmas Eve, the children of the church would perform the service for the congregation. With smiles on our faces and excitement in our hearts, we would tell the good news that our Savior was born. On returning home, we would find more gifts under the tree than when we left. (That must be why it took Mom so long to get to the car.) Santa had come when we were at church! I am so blessed to have had parents who taught me the true meaning of Christmas.

BAGLEY & BEMIDJI

Lori Fillipi (218) 308-2207

Our family has always gone to the Christmas Eve church service. The tradition of singing Silent Night in a

candlelit church is such a beautiful reminder of why we celebrate Christmas. It is nice to have that time of reflection before all the excitement that follows. As a child, I remember coming home from church to see a deer’s herd by our house. My parents told us they were getting ready to help Santa. I was so excited! Not too long ago, I had the same experience, but as a parent this time. It was so fun to see the deer that Christmas Eve! It brought back a great childhood memory. I received this recipe from a co-worker many years ago, and it is now a holiday favorite.

sweet potato casserole3 c. drained mashed sweet potatoes2 eggs, beaten1 tsp. vanilla1 c. sugar1/2 c. butter, softened

Mix sweet potatoes, eggs, vanilla, sugar and butter. Put in 9x13 casserole dish.

Topping1 c. brown sugar1/2c. flour1 c. pecans, chopped1/2 c. butter

Mix until crumbly brown sugar, flour, pecan and butter. Add to top of casserole dish. Bake at 375º for 45 minutes.

CROSSLAKE

Susie Lande (218) 316-3775

ALWAYS ALWAYS ALWAYS we had this at our Christmas dinner when I was a young girl and I make it still for my family. They love this … even the little ones.

baked cranberriesCranberries (4 cups)                   2 Cups Of Sugar10 Oz Bag Frozen Whole Raspberries2 T Triple Sec½ Cup Sugar

Spread rinsed and drained cranberries in a glass 9x13 pan. Sprinkle with 2 cups sugar and toss to coat. Bake until sugar is dissolved and hot and bubbly stirring twice. Stir in raspberries, triple sec and ½ cup sugar. I use (2) 12 oz. bags of cranberries and (1) 10 oz. bag raspberries. Refrigerate covered, keeps for a LONG time. Oven 350 for 40 minutes.

Christmas TRADITIONS are a rich source that can stir powerful MEMORIES—pine, spruce, or fir tree; holiday baking like shortbreads or apple pie; a fireplace; popcorn; turkey roasting; hot apple cider. Please enjoy our 50 Plus Club coordinators’ favorite memories and recipes around the holidays.  

Our LocationsBAGLEY ATM

22 First Street NE P.O. Box 340Bagley, MN 56621P: 218.694.6153 F: 218.694.6154

BAUDETTE ATM

109 Main Street W P.O. Box 698Baudette, MN 56623P: 218.634.1204 F: 218.634.2207

BAXTER ATM

14540 Dellwood Drive P.O. Box 2947Baxter, MN 56425P: 218.824.8400 F: 218.316.3796

BEMIDJI— DOWNTOWN ATM

214 5th Street NWP.O. Box 458Bemidji, MN 56619P: 218.751.5120 F: 218.751.0355

BEMIDJI— PAUL BUNYAN DRIVE ATM

1260 Paul Bunyan Drive NW P.O. Box 458Bemidji, MN 56619P: 218.751.8610 F: 218.751.9706

BENSON ATM 1329 Pacific Avenue P.O. Box 345Benson, MN 56215P: 320.843.3330 F: 320.843.2959

BIG LAKE ATM

240 Jefferson Boulevard P.O. Box 650Big Lake, MN 55309P: 763.262.2265 F: 763.263.0418

CROSSLAKE ATM

36139 County Road 66 P.O. Box 899Crosslake, MN 56442P: 218.692.6663 F: 218.692.6665

MONTICELLO ATM

1421 7th Street EMonticello, MN 55362P: 763.295.2265 F: 763.295.2355

MORRIS ATM

532 Atlantic Avenue P.O. Box 656Morris, MN 56267P: 320.589.3454 F: 320.589.1225

Traditions, Memories & Recipes

Photo by averiecooks.com

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BAUDETTE

Amanda Wood (218) 634-1624

So many memories are gathered

each year around the tree. The excitement from setting it up and hanging all the special ornaments from years past, to all the love and joy we share around the tree when we gather there. Every year we are sure to take many photos in front of the tree and these have been some of the most cherished childhood memories for all ages! Merry Christmas from our family to yours!

BIG LAKE

Naomi Jacobson (763) 262-4075

The true meaning of Christmas was revealed to me years ago. Christmas found me as a newly single mother of

two beautiful daughters. Trying to juggle two jobs, a house payment, utilities, groceries, and two girls was putting a severe strain on my finances.

Every parent wishes to give their child the best that they can. So it is no wonder that my heart was breaking when I had no choice but to tell my little girls that I could not afford to put any presents under the tree. In the beautiful innocence of a child, my girls told me, “It’s ok, Mom, we have each other.”Later that night, after my girls went to sleep and I could reflect on the Christmas we shared, I cried for not being able to give them what I thought they deserved, but then it dawned on me what a great present God had given me, the gift of love, and I cried for joy. The pure and innocent spirit of a child reminded me that it isn’t about the presents, but sharing the love that Christ has for us, that is Christmas!

Our church has started a tradition of sharing the love by providing random strangers with “Giving Jars.” We save our change throughout the year, and at Christmas, our confirmation students spend an afternoon handing out the filled jars to random people. Each year I am so touched by the people who receive them and the stories that they tell about how much they needed it and the struggles they were enduring. Christmas to me is sharing the love and giving to others. As a family, we now buy Christmas gifts for those in need from our church giving tree, we volunteer for the local Lions and fill food baskets, and have volunteered for the Salvation Army bell ringing and sharing the love of Christmas. Please consider sharing the love at Christmas.

MONTICELLO

Sandy Hennessey (763) 271-1454

Christmas is my favorite time of the year! But I am in the Christmas mode/mood all year as I make and design many of the gifts that I share

with friends and family. Every year the women on my husband’s side of the family each receive one thing I have made for them, and now that has extended to my Riverwood female family too! I have made most of the items in my vast snowman collection and my smaller Santa collection. Something I have fun with is changing someone’s discarded item into a treasure.

MORRIS

Renae Olson (320) 208-6157

My mom always enjoyed baking. She would make around ten different kinds of cookies at Christmas time. One year on Christmas

Day, it was only going to be my husband and me, my mom, and our two daughters. That day my mom wanted to share her baking skills for making Krumkake. This is a Norwegian cookie using a special iron.We had so much fun that a couple of years later, she made her rosettes. This, too, is a Norwegian cookie, using a special iron. My mom passed away a year ago, and I am treasured she could show her baking with my family. My daughters and husband will always remember those two special Christmas Days.

KrumkakE1 cup sugar2 eggs1 cup sour cream¼ tsp. soda in hot water2 cups flour¼ cup melted buttervanilla

Mix in order, bake on a Krumkake iron until golden brown. Roll them up while still hot.

BAXTER

Debbie Rudbeck (218) 316-7193

When I was young, Christmas was always a magical time. Not only because of the great gifts we all received, but more importantly, my

family celebrated the birth of Jesus Christ. We would get dressed up in our new Christmas clothes, and off to church we would go. On Christmas Eve, the children of the church would perform the service for the congregation. With smiles on our faces and excitement in our hearts, we would tell the good news that our Savior was born. On returning home, we would find more gifts under the tree than when we left. (That must be why it took Mom so long to get to the car.) Santa had come when we were at church! I am so blessed to have had parents who taught me the true meaning of Christmas.

BAGLEY & BEMIDJI

Lori Fillipi (218) 308-2207

Our family has always gone to the Christmas Eve church service. The tradition of singing Silent Night in a

candlelit church is such a beautiful reminder of why we celebrate Christmas. It is nice to have that time of reflection before all the excitement that follows. As a child, I remember coming home from church to see a deer’s herd by our house. My parents told us they were getting ready to help Santa. I was so excited! Not too long ago, I had the same experience, but as a parent this time. It was so fun to see the deer that Christmas Eve! It brought back a great childhood memory. I received this recipe from a co-worker many years ago, and it is now a holiday favorite.

sweet potato casserole3 c. drained mashed sweet potatoes2 eggs, beaten1 tsp. vanilla1 c. sugar1/2 c. butter, softened

Mix sweet potatoes, eggs, vanilla, sugar and butter. Put in 9x13 casserole dish.

Topping1 c. brown sugar1/2c. flour1 c. pecans, chopped1/2 c. butter

Mix until crumbly brown sugar, flour, pecan and butter. Add to top of casserole dish. Bake at 375º for 45 minutes.

CROSSLAKE

Susie Lande (218) 316-3775

ALWAYS ALWAYS ALWAYS we had this at our Christmas dinner when I was a young girl and I make it still for my family. They love this … even the little ones.

baked cranberriesCranberries (4 cups)                   2 Cups Of Sugar10 Oz Bag Frozen Whole Raspberries2 T Triple Sec½ Cup Sugar

Spread rinsed and drained cranberries in a glass 9x13 pan. Sprinkle with 2 cups sugar and toss to coat. Bake until sugar is dissolved and hot and bubbly stirring twice. Stir in raspberries, triple sec and ½ cup sugar. I use (2) 12 oz. bags of cranberries and (1) 10 oz. bag raspberries. Refrigerate covered, keeps for a LONG time. Oven 350 for 40 minutes.

Christmas TRADITIONS are a rich source that can stir powerful MEMORIES—pine, spruce, or fir tree; holiday baking like shortbreads or apple pie; a fireplace; popcorn; turkey roasting; hot apple cider. Please enjoy our 50 Plus Club coordinators’ favorite memories and recipes around the holidays.  

Our LocationsBAGLEY ATM

22 First Street NE P.O. Box 340Bagley, MN 56621P: 218.694.6153 F: 218.694.6154

BAUDETTE ATM

109 Main Street W P.O. Box 698Baudette, MN 56623P: 218.634.1204 F: 218.634.2207

BAXTER ATM

14540 Dellwood Drive P.O. Box 2947Baxter, MN 56425P: 218.824.8400 F: 218.316.3796

BEMIDJI— DOWNTOWN ATM

214 5th Street NWP.O. Box 458Bemidji, MN 56619P: 218.751.5120 F: 218.751.0355

BEMIDJI— PAUL BUNYAN DRIVE ATM

1260 Paul Bunyan Drive NW P.O. Box 458Bemidji, MN 56619P: 218.751.8610 F: 218.751.9706

BENSON ATM 1329 Pacific Avenue P.O. Box 345Benson, MN 56215P: 320.843.3330 F: 320.843.2959

BIG LAKE ATM

240 Jefferson Boulevard P.O. Box 650Big Lake, MN 55309P: 763.262.2265 F: 763.263.0418

CROSSLAKE ATM

36139 County Road 66 P.O. Box 899Crosslake, MN 56442P: 218.692.6663 F: 218.692.6665

MONTICELLO ATM

1421 7th Street EMonticello, MN 55362P: 763.295.2265 F: 763.295.2355

MORRIS ATM

532 Atlantic Avenue P.O. Box 656Morris, MN 56267P: 320.589.3454 F: 320.589.1225

Traditions, Memories & Recipes

Photo by averiecooks.com

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BAUDETTE

Amanda Wood (218) 634-1624

So many memories are gathered

each year around the tree. The excitement from setting it up and hanging all the special ornaments from years past, to all the love and joy we share around the tree when we gather there. Every year we are sure to take many photos in front of the tree and these have been some of the most cherished childhood memories for all ages! Merry Christmas from our family to yours!

BIG LAKE

Naomi Jacobson (763) 262-4075

The true meaning of Christmas was revealed to me years ago. Christmas found me as a newly single mother of

two beautiful daughters. Trying to juggle two jobs, a house payment, utilities, groceries, and two girls was putting a severe strain on my finances.

Every parent wishes to give their child the best that they can. So it is no wonder that my heart was breaking when I had no choice but to tell my little girls that I could not afford to put any presents under the tree. In the beautiful innocence of a child, my girls told me, “It’s ok, Mom, we have each other.”Later that night, after my girls went to sleep and I could reflect on the Christmas we shared, I cried for not being able to give them what I thought they deserved, but then it dawned on me what a great present God had given me, the gift of love, and I cried for joy. The pure and innocent spirit of a child reminded me that it isn’t about the presents, but sharing the love that Christ has for us, that is Christmas!

Our church has started a tradition of sharing the love by providing random strangers with “Giving Jars.” We save our change throughout the year, and at Christmas, our confirmation students spend an afternoon handing out the filled jars to random people. Each year I am so touched by the people who receive them and the stories that they tell about how much they needed it and the struggles they were enduring. Christmas to me is sharing the love and giving to others. As a family, we now buy Christmas gifts for those in need from our church giving tree, we volunteer for the local Lions and fill food baskets, and have volunteered for the Salvation Army bell ringing and sharing the love of Christmas. Please consider sharing the love at Christmas.

P.O. Box 2947Baxter, MN 56425

RiverWoodBank.com1.888.751.5120

MEMBER FDIC

In addition to exceptional bank benefits, you get to enjoy a full calendar of events, including special trips, activities, luncheons, educational seminars and good fellowship.

TO QUALIFY: You or your spouse need to be 50 years or greater, and maintain at least one of these membership requirements: • $1,500 in a checking or savings account • $2,500 in a Money Market account • $10,000 in a CD or combination of CDs

BENEFITS INCLUDE: • No monthly minimum balance or

maintenance fees with Elite 50 Checking • Free RiverWood checks or discount on

other designs, limitations may apply • Free cashier’s checks • Free notary, fax, signature guarantee

and photocopying services.

JOIN US!

Join RiverWood Bank in collecting items for our local FOOD SHELF.

YOU make a difference in our community!

Ask us for ideas! Drop off your donations in February at your local RiverWood Bank.

SHELFFEBRUARY FOOD DRIVE

FEBRUARY 1-28