BankCents

Season 3 Episode 10 of BankCents – The Podcast That Makes Sense of All Things Banking!It’s our final episode of Season 3! We are joined by BOS Vice President, Diane Blickhan, a member of our commercial lending team in the Quincy market. Diane joins host Greg Marantz to give insight on loan financing within the realm of agriculture and recreation land. This episode covers the importance of being an educated borrower, fixed and adjusted rates, bank resources, and more.

Our experienced recreation lending team is ready to answer your questions and help find the right solution for your financing needs. Click here for more information.

BankCents is the podcast that makes sense of all things banking. Something you don't understand or want to learn more? Message us on social media, comment below, or email us at [email protected] with your questions about banking.

BankCents is brought to you by the Bank of Springfield (BOS), a community bank located in Illinois and Missouri. BOS is a full-service institution that offers a wide range of financial offerings. Learn more at bankwithbos.com.

Introduction: 0:28

Importance of Being an Educated Borrower: 2:17

Understanding Impactof Interest Rates: 6:46

Utilize Your Resources: 10:22

Watch on YouTube: https://youtu.be/ctyQySgq4_w

Music by FASSounds from Pixabay

This podcast is for educational purposes.

All loans are subject to credit approval. BOS NMLS 402619.

#business #businessbanking #bank #podcast #financialpodcast #communitybanking #communitybank #localbank #bankpodcast #agriculture #recreation #land #financing

Season 3 Episode 9 of BankCents – The Podcast That Makes Sense of All Things Banking!

Today’s episode of BankCents is an anniversary special as we celebrate 60 years at Bank of Springfield! BOS first opened in Springfield, Illinois on October 29th, 1965 and today serves 13 communities and 16 full-service branches in Illinois and Missouri.

Host, Greg Marantz, is joined by other members of the BOS Executive Team including Tom Marantz (Chairman of the Board), Jason Knoedler (Chief Executive Officer), Mike Pence (President), and Jennifer Marantz (Executive Vice President, Director of Corporate Communications). Our guests share the story of how BOS got its start in 1965, growth throughout the bank and our communities, culture, mentorship, and the bank’s continued legacy.

Visit our website to learn more about BOS: https://www.bankwithbos.com/

Introduction: 0:28

Tom Marantz

-Introduction: 1:16

- History of BOS: 1:43

- Memorable Moments: 2:45

Jason Knoedler

- Introduction: 4:17

- Community Banking: 4:38

- BOS Community Involvement: 5:27

- Mentors at BOS: 6:19

- Legacy of BOS: 7:28

Mike Pence

- Introduction: 9:12

- Internal Culture at BOS: 9:49

- Mentors at BOS: 12:37

- Legacy of BOS: 15:43

Jennifer Marantz

- Introduction: 17:06

- Growth of BOS: 17:24

- Legacy of BOS: 19:42

BankCents is the podcast that makes sense of all things banking. Something you don't understand or want to learn more? Message us on social media, comment below, or email us at [email protected] with your questions about banking.

BankCents is brought to you by the Bank of Springfield (BOS), a community bank located in Illinois and Missouri. BOS is a full-service institution that offers a wide range of financial offerings. Learn more at bankwithbos.com.

Watch on YouTube: https://youtu.be/qgDXvdkcmcI

Music by FASSounds from Pixabay

#business #businessbanking #bank #podcast #financialpodcast #communitybanking #communitybank #localbank #bankpodcast #60years #anniversary

Season 3 Episode 8 of BankCents – The Podcast That Makes Sense of All Things Banking!

On this episode of BankCents, Greg is joined by VP and BOS Classic 50 Coordinator, Joan Kellermann. Joan stops by to talk about Classic 50 membership, the Classic 50 Interest Checking and Classic 50 Checking Plus accounts, and member benefits including travel perks.

Visit our website to learn more about BOS Classic 50 and upcoming events: https://www.bankwithbos.com/personal-banking/classic-50/

Introduction: 0:31

Classic 50 Membership: 1:30

Classic 50 Travel: 3:36

Classic 50 Calendar of Events: 6:01

BankCents is the podcast that makes sense of all things banking. Something you don't understand or want to learn more? Message us on social media, comment below, or email us at [email protected] with your questions about banking.

BankCents is brought to you by the Bank of Springfield (BOS), a community bank located in Illinois and Missouri. BOS is a full-service institution that offers a wide range of financial offerings. Learn more at bankwithbos.com.Watch on YouTube: https://youtu.be/MHRqZAZP6Lg

Watch on YouTube: https://youtu.be/MHRqZAZP6Lg

This podcast is for educational purposes.

Music by FASSounds from Pixabay

Season 3 Episode 7 of BankCents – The Podcast That Makes Sense of All Things Banking!

Greg Pettys, VP of Advanced Markets, is back on BankCents! Greg joined us in season 1 for a series on financial planning in your 20’s, 30’s, and 40’s. On today’s episode, we discuss how changes in legislation may impact estate planning, gifting strategies and minimizing costs to your estate, and the role of evaluating your business.

Visit our website for more on BOS Wealth and Planning: https://www.investwithbos.com/

Introduction: 0:28

Importance of Estate Planning: 1:49

Annual Gifting Strategies: 4:25

Business Valuation: 7:45

Want to hear more about financial planning? Check out our 3-part series at the links below:

Financial Planning in your 20’s: https://open.spotify.com/episode/4K4EzbdXIHxQMK0AE3JGfT?si=Q-8p7a5LQKKKnaQL1OQO9w

Financial Planning in your 30’s : https://open.spotify.com/episode/7EISwbGZUgde2v7RtYuZ5E?si=hjunG_dDS-O5sJfq1Hw6Ow

Financial Planning in your 40’s: https://open.spotify.com/episode/6IKcW57ARxVhxOKMxDzKyL?si=746Vsd4iThip7Cp_tTZsSg

BankCents is the podcast that makes sense of all things banking. Something you don't understand or want to learn more? Message us on social media, comment below, or email us at [email protected] with your questions about banking.

BankCents is brought to you by the Bank of Springfield (BOS), a community bank located in Illinois and Missouri. BOS is a full-service institution that offers a wide range of financial offerings. Learn more at bankwithbos.com.

This podcast is for educational purposes.

Watch on YouTube: https://youtu.be/uswqFDI8iTQ

Music by FASSounds from Pixabay

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bank of Springfield and BOS Wealth and Planning are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using BOS Wealth and Planning, and may also be employees of Bank of Springfield. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Bank of Springfield or BOS Wealth and Planning. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency

Not Bank of Springfield Guaranteed

Not Bank of Springfield Deposits or Obligations

May Lose Value

#business #businessbanking #bank #podcast #financialpodcast #communitybanking #communitybank #localbank #bankpodcast #estate #estateplanning

Season 3 Episode 6 of BankCents – The Podcast That Makes Sense of All Things Banking!

Stephen McMillan, Vice President and IT Security Officer, joins our next episode of BankCents to share current scams we are seeing and how you can better protect yourself from the fraudsters. Greg and Stephen talk through a variety of scams including deepfake scams, technical support scams, and text-based scams.

Help protect yourself: Be cautious when it comes to your personal information, slow down, and know the red flags.

BankCents is the podcast that makes sense of all things banking. Something you don't understand or want to learn more? Message us on social media, comment below, or email us at [email protected] with your questions about banking.

BankCents is brought to you by the Bank of Springfield (BOS), a community bank located in Illinois and Missouri. BOS is a full-service institution that offers a wide range of financial offerings. Learn more at bankwithbos.com.

Introduction: 0:32

Deepfake Scams: 1:45

Technical Support Scams: 6:07

Phone Call Scams: 9:05

Text-Based Scams: 10:47

Multi-Factor Authentication (MFA) Scams: 13:08

Check out our blog, BankSource, for other educational pieces on fraud awareness: https://www.bankwithbos.com/blog/

Watch on YouTube: https://youtu.be/1Fe9bPrE2K8T

his podcast is for educational purposes.

Member FDIC

Music by FASSounds from Pixabay

#business #businessbanking #bank #podcast #financialpodcast #communitybanking #communitybank #localbank #bankpodcast #protecting #protection #protectyourself

Season 3 Episode 5 of BankCents – The Podcast That Makes Sense of All Things Banking!Greg is joined by BOS Wealth and Planning advisor, Max Cook, to breakdown 5 areas to consider as you’re planning for retirement. Max shares insight on Income vs. Expenses, Social Security Planning, Healthcare Expenses, and more!Intro: 1:15Income & Expenses: 2:33Social Security Planning: 4:08Healthcare Expenses: 7:41Tax Planning: 9:26Withdrawal Strategies: 11:40Learn more about BOS Wealth and Planning: https://www.investwithbos.com/This podcast is for educational purposes.Watch on YouTube: https://youtu.be/XJFPrfstX6gSecurities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bank of Springfield and BOS Wealth & Planning are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using BOS Wealth & Planning, and may also be employees of Bank of Springfield. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Bank of Springfield or BOS Wealth & Planning. Securities and insurance offered through LPL or its affiliates are: Not insured by FDIC or any other government agency, Not Bank of Springfield Guaranteed, Not Bank of Springfield Deposits or Obligations, May lose value.Music by FASSounds from Pixabay

#business #businessbanking #bank #podcast #financialpodcast #communitybanking #communitybank #localbank #bankpodcast #retirement #retirementplanning #socialsecurity #healthcare

Season 3 Episode 4 of BankCents – The Podcast That Makes Sense of All Things Banking!Looking for your dream home is exciting, but it can also be a stressful time if you aren’t prepared to go through the home buying process. Jessica joins Greg on our next episode of BankCents and shares insight from homeowners on what they wish they knew before applying for a mortgage.

Intro: 0:44

Interest Rates: 1:45

Pre-Approval: 3:12

Costs Beyond Down Payment: 5:29

Loan Term: 6:36

Benefit of a Local Lender: 8:14

BankCents is the podcast that makes sense of all things banking. Something you don't understand or want to learn more? Message us on social media, comment below, or email us at [email protected] with your questions about banking.

BankCents is brought to you by the Bank of Springfield (BOS), a community bank located in Illinois and Missouri. BOS is a full-service institution that offers a wide range of financial offerings. Learn more at bankwithbos.com.

For an overview of the mortgage process, check out Jessica’s episode from season one where she talks about finding the right loan, refinancing, and different types of mortgages: https://www.youtube.com/watch?v=8nGs1PCKr-U&t=34s

Click here to visit our mortgage center: https://www.mortgagewithbos.com/?utm_source=web&utm_medium=menu&utm_campaign=mortgagelink&utm_id=link&utm_term=learnmore&utm_content=allmarkets

This podcast is for educational purposes.

All loans are subject to credit approval.

BOS NMLS 402619

Watch on YouTube: https://youtu.be/yDlgh_gW1Js

Member FDIC

Music by FASSounds from Pixabay

#business #businessbanking #bank #podcast #financialpodcast #communitybanking #communitybank #localbank #bankpodcast #mortgage #mortgageprocess #preapproval #mortgageapproval

Season 3 Episode 3 of BankCents – The Podcast That Makes Sense of All Things Banking!Greg’s joined by one of our reoccurring fraud experts, Matt Stark, to talk through ways businesses can better protect themselves from fraud and stay ahead of the scammers. The duo talks through account monitoring, a check and ACH fraud prevention tool, and validating email and vendor communication. To further safeguard your business, BOS offers valuable products like Positive Pay and Cyber Insurance. These resources are designed to help protect your company from fraud-related losses. If you’d like more information or have questions, visit our website (link to business services page) or call 877-698-3278.Intro: 0:28Daily Account Monitoring and Alerts: 1:19Positive Pay: 3:14Email and Vendor Validation: 5:22Current Scams We Are Seeing: 6:27This podcast is for educational purposes.Watch on YouTube: https://youtu.be/0DBsYQZ8aH0Check out our other materials on fraud:Current Scams and How to Prevent Fraud (https://youtu.be/Z5k0KJc_2I8)Navigating a Fraudulent Environment (https://youtu.be/I9oHacC-FiY)5 Ways Businesses Can Reduce Fraud and Protect Bank Accounts from Scammers (https://www.bankwithbos.com/Blog/Posts/132/Fraud-Awareness/2025/4/5-Ways-Businesses-Can-Reduce-Fraud-and-Protect-Bank-Accounts-from-Scammers/blog-post/)Music by FASSounds from Pixabay

Season 3 Episode 2 of BankCents – The Podcast That Makes Sense of All Things Banking!

On this week’s episode, we’re diving into one of the hottest debates in personal finances: Human Financial Advisor vs. Robo Advisor. Greg Marantz and Shannon Jones, Financial Advisor with BOS Asset Management, compare the two types of advisors, what they do, how they differ, and why a traditional financial advisor is most suitable.

Introduction: 0:57

What is a Financial Advisor?: 2:04

What is a Robo-Advisor?: 2:54

Fiduciaries: 3:42

This podcast is for educational purposes.

Watch on YouTube: https://youtu.be/rltsRUpQavs

If you have questions about this topic, please contact Shannon Jones at [email protected].

BOS Asset Management, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual.

Music by FASSounds from Pixabay

We’re back for Season 3 of BankCents – The Podcast That Makes Sense of All Things Banking!

Join host Greg Marantz and recurring guest Monica Dyson, VP and Chief Marketing Officer at BOS, as they talk through creating a budgeting, understanding your money personality, and ways to control your expenses.

Introduction: 0:28

Creating a Budget: 1:04

What is Your Money Personality: 3:37

How to Limit Expenses: 6:30

Recap: 9:27

This podcast is for educational purposes.

Watch on YouTube: https://youtu.be/OoHu-Qqgnno

Looking for more on budgeting? Click here to listen to our budgeting episode from season 1: https://www.youtube.com/watch?v=fSyhMGeV3mU&list=PLVUyj3Bw1kNimt2LxJUjWNrKvIs1eHLIg&index=22

Member FDIC

Music by FAS

Sounds from Pixabay