March 2016

Account Upgrades and Enhancements  
Are Coming April 7th-11th. 
 
If you are a Marine Bank customer, we have exciting news for you regarding upgrades and enhancements to your Marine Bank accounts and how they are accessed.  We are positive that you will enjoy the new benefits and services such as streamlined online banking and chip technology for increased card security.

Please take a moment to review the Q&A booklet you were mailed that contains important information regarding access to your account(s) as we transition to our new, upgraded system and note the dates and times of the transition related to your account access.  If you did not receive a booklet in the mail, click here.

As always, if you have questions, please contact us at (772) 231-6611 and our associates will be happy to assist you.
 
2015 a Banner Year for Marine Bank
Marine Bank & Trust recently announced that the Bank continued a positive three year earnings trend with record earnings in 2015 of $1.15 million. The Bank credits its growth to a higher demand for commercial loans and home mortgages, plus a renewed focus on customer relationships.

"We know that customer relationships are dependent upon quality people and that's exactly what we have - exceptional employees serving coveted customers," said Bill Penney, President and CEO of Marine Bank & Trust. "We will continue this trend and expect even greater growth in 2016."

 Click here for the complete earnings announcement.

Make the Most of Your IRS Tax Refund
 
According to the Internal Revenue Service, the average taxpayer's refund for 2015 was nearly $3,000. With that in mind, Marine Bank offers these five tips to help make the most out of this year's windfall.
  • Save for emergencies.  Open or add to a savings account that serves as an "emergency fund." Ideally, it should hold about three-to-six months of living expenses.
     
  • Pay off debt.  Pay down existing balances either by chipping away at loans with the highest interest rates or eliminating smaller debt first.
     
  • Save for retirement. Open or increase contributions to a tax-deferred savings plan like a 401(k) or an IRA. 
     
  • Put it toward a down payment.  If you intend to buy a new home in the near future, putting your tax refund toward the down payment is a smart move.
     
  • Invest in your current home.  Use your refund to invest in home improvements that will increase the value of your home.