The Built for Better Banking Newsletter - May 2026

Union State Bank News & Events

Ark City Branch Begins Conversion

As part of its continued commitment to meeting customers where they are and investing in modern banking convenience, Union State Bank (USB) is preparing to transition its Arkansas City, KS Midtown branch into a new Digital Banking Center. The project follows the successful conversion of the bank’s Winfield, KS 9th Street location and reflects the growing demand for self-service banking technology, expanded digital tools, and around-the-clock account access.

Construction on the Midtown location began in late May focusing primarily on enhancing the drive-thru experience. According to Zack Stoy, Union State Bank’s Market President for Arkansas City, the first phase of the project will include extending the concrete pad into the second drive-thru lane to accommodate a deposit-accepting ATM. “Once that phase is complete, we’ll update the signage and make a few additional enhancements to give the location a more modern, digital feel,” Stoy said. “Throughout the construction process, our Midtown location will remain open and fully staffed, with July 20th currently scheduled as the transition date to our fully Digital Banking Center format.”

One of the most significant upgrades customers will notice is the addition of a second ATM. Customers will continue to have access to the original ATM services throughout the project. However, once installed the new ATM will include deposit-taking capabilities, allowing for faster and more convenient banking access without the need to enter a branch. The enhanced ATM technology will offer 24-hour access for deposits, withdrawals, transfers, and other common banking transactions.

Yakel Joins As Commercial Lender

Union State Bank recently announced that Blake Yakel has joined the organization as Senior Vice President and Commercial Lender.

“Blake brings to USB a significant amount of commercial lending experience here in the Wichita market,” said David Harris, Executive Vice President and Kansas Regional President. “He will play a critical role for us as we move forward with expanding upon our presence in the Wichita market.”

In his new role, Yakel will work directly with commercial customers throughout the Wichita area, helping businesses with lending solutions, deposit services and broader financial needs.

“I made the move to USB for the opportunity to further grow in my banking career,” explained Yakel. “My goal is to grow the commercial loans and deposits for the organization personally, and for the Wichita market.”

Along with serving customers, Yakel has already assumed several leadership responsibilities within the bank.

“Since joining Union State Bank, I am leading our weekly sales meeting, heading the Wichita Loan Committee, serving on the Executive Loan Committee and on the Asset Liability Committee for the bank,” said Yakel.

Yakel is a graduate of Wichita State University and Fort Hays State University and brings more than two decades of banking experience to the organization.

Throughout his career, he has built a reputation for developing strong client relationships and helping customers achieve long-term financial success.

New Look for Digital Platforms Unveiled

Union State Bank (USB) is proud to introduce a refreshed digital banking experience with the recent launch of their updated mobile and online banking platforms. Designed with customers in mind, the enhanced experience reflects months of planning, research, testing, and collaboration focused on making everyday banking more intuitive, convenient, and accessible.

Union State Bank’s project team invested significant time evaluating customer feedback, studying usage trends, and carefully considering how customers interact with online banking tools each day. The result is a platform designed to simplify navigation while putting the most important banking features front and center.

Far more than a visual refresh, the update represents an evolution of the platforms to a “composable dashboard” according to USB’s vendor partner for online and mobile banking, Q2.

“We have conducted extensive behind-the-scenes analysis, including composable dashboard training, meetings and performing thorough testing,” said Jessica Horton, Digital Banking Services Specialist. “Additionally, we evaluated feedback from the Q2 discussion groups to identify and prepare for any potential concerns before they occurred.”

According to Jodie Wall, Director of Deposit Operations, the foundation for the update was built long before customers saw the finished product. “A significant amount of planning and preparation went into this project prior to launch,” Wall said. “Our team spent considerable time evaluating customer behavior and identifying the most frequently used features and services.

Visit www.MyUnionState.Bank to learn more.

Smart Financial Steps for Recent Graduates

Graduation marks the beginning of an exciting new chapter filled with opportunities, independence, and important financial decisions. Whether a recent graduate is starting a first job, continuing education, or exploring career options, developing healthy financial habits early can create a strong foundation for long-term success.

While the transition into adulthood often comes with new expenses and responsibilities, a few smart financial strategies can help graduates build confidence and stability from the very beginning.

One of the most important first steps is creating a realistic budget. A budget does not have to be complicated, but it should clearly outline monthly income and expenses. Rent, utilities, transportation, groceries, insurance, and student loan payments can add up quickly. Tracking spending helps graduates understand where their money is going and identify areas where they may be overspending. It is also important to distinguish between needs and wants. Small purchases such as daily coffee runs, subscription services, or frequent dining out may not seem significant individually, but they can have a major impact over time. Establishing spending limits and sticking to them can help prevent unnecessary financial stress.

Building an emergency savings fund should also be a top priority. Unexpected expenses are a part of life, whether it is a car repair, medical bill, or job transition. Even setting aside a small amount from each paycheck can gradually create a financial safety net. Many financial experts recommend saving enough to cover three to six months of essential living expenses, but the key is simply getting started. Consistency matters more than the initial amount.

For many graduates, student loan repayment becomes a new reality shortly after leaving school. Understanding loan terms, payment schedules, and interest rates is essential. Missing payments can negatively affect credit scores and create additional financial burdens through fees and increased interest. Graduates should explore repayment options carefully and contact their loan servicer if they anticipate difficulties making payments. In some cases, automatic payment enrollment may provide small interest rate reductions while also helping borrowers stay on track.

Another important financial tool for young adults is credit. Establishing and maintaining good credit can affect future opportunities such as renting an apartment, purchasing a vehicle, or qualifying for a mortgage. Using a credit card responsibly can help build a positive credit history. The best approach is to charge only what can be paid off each month and avoid carrying large balances. Paying bills on time is one of the most significant factors in maintaining a healthy credit score.

Recent graduates should also begin thinking about long-term financial goals, even if retirement feels far away. Employer-sponsored retirement plans such as a 401(k) can be a valuable benefit, especially when employers offer matching contributions. Starting early allows savings to grow over time through compound interest. Even modest contributions in the beginning can make a meaningful difference in the future.

It is equally important for graduates to protect themselves from fraud and scams. Young adults are often targeted by phishing emails, fake job offers, and identity theft attempts. Personal and financial information should never be shared through suspicious links, texts, or unsolicited phone calls. Monitoring bank accounts regularly and using strong passwords can help reduce the risk of fraud.

Finally, graduates should remember that financial success does not happen overnight. Learning to manage money is a process that involves patience, discipline, and ongoing education. Asking questions, seeking guidance from trusted financial professionals, and continuing to build financial knowledge can make a significant difference over time. By developing smart financial habits early, recent graduates can create a strong path toward financial confidence and future success.

For additional information about financial topics visit our website: https://www.myunionstate.bank/finance-blog

Disclaimer: The advice provided in these articles are for informational purposes only. It is recommended that individuals consult with financial professionals for personalized guidance.