The Bank Note - August 2019
Connecting with Shareholders of Alliance Bank Central Texas
August 2019
Message from Todd Moore
In The Spotlight has Kim’s story about running her business. She is a great operator and just a really kind person. When it came time to step into the lead role in her organization, Kim really stepped up. She got her hands dirty, worked long hours and did whatever it took to not only learn the business, but to innovate. The Valley Mills location began in 1964, and it’s a much different business and industry today. She has adapted very well. Way to go, Kim! We’re proud of you and your staff.
New restaurants opening here in River City are pretty frequent occurrences. The Union Hall and Route 77 concepts highlighted this month are totally new concepts have never been done here. Please check them out and give them a try when they open. The BEST way to grow our business, is to do business, with people who do business with us! Legacy advice because it’s so true and always relevant.
Lastly, it’s a great time of year to get educated about the private student loan program we can offer through our affiliate relationship. We often hear people say they are straining to pay for college for their children because they do not qualify for student loans. This program is not needs based; it’s for everyone. And, will really soften the blow financially. Please check out their repayment terms and options.
Many of you are actively engaged with the bank, either by being a customer in many different ways or referring business to us, or both. If we had full engagement of our broad shareholder group we would be a much larger and more valuable institution. Please ask yourself, if you’re not a customer or referring business, why not? Then, call me and let’s talk about what we can do to help you be a part of your bank. No matter where you live or work, we’re here for you! Give us a try. We will do everything we can to make it a great experience for you, and hopefully one of the best decisions you make in 2019.
If you haven’t already, please go to our Alliance Bank Central Texas Facebook page. Like it, Share it, and repeat!
Todd Moore
President & CEO
Cell Phone: 254.722.2300
Senior Checking Made Simple
The Emerald Checking Account is an interest bearing account specially designed for those age 55 and older.
Alliance Bank - In the Spotlight
Kimberly Nielsen
Genie Car Wash and Fast Lube
Services: Complete car care center including basic car wash, car wash packages, lube center and detail shop
Locally owned and operated since 1964, Genie Car Wash and Fast Lube is dedicated to keeping customer’s cars clean and serviced. Genie Car Wash understands how quality convenience are key to customer satisfaction. With locations in Waco and Hewitt, Genie offers full service car washes, oil changes and a variety of detail services, as well as express car washes for those on the go.
Kimberly and her team pursue excellent customer care each day, making Genie Car Wash a destination hot spot for car care.
Q: Has Waco always been home? I am originally from the Dallas/Ft. Worth area and came to Waco to attend Baylor University. After graduation, I married and Waco became home.
Q: What is your role at Genie Car Wash? I operate two locations, one on Valley Mills and one on Hewitt Drive.
Q: What makes Genie Car Wash unique? We offer our customers a variety of service options, including express service, individual and full detail options, oil change (with a free full service wash) as well as multiple levels of full service washes. Providing options helps us differentiate from other businesses and stay competitive. The staff and associates also make Genie Car Wash unique. Many have worked for the company for many years. Their experience, attitude, hard work and dedication help contribute to the success of our business. We take pride in our customer service, continually training our employees, and always striving to meet and exceed customers’ expectations.
Q: What industry changes have you seen over the years? This industry has changed immensely since Genie Car Wash’s inception 55 years ago. Complications of labor have driven the car wash industry away from full-service to primarily express type operations using tunnels, where the customer stays in the car through the wash process and vacuums their own vehicles. We believe there is great value in the personal service of having staff vacuum, dry, and wipe down windows and exterior, as well as the interior door jams of a vehicle, resulting in quality, full service care.
Q: What keeps you energized about going to work each day? I have a business that demands daily attention. Each day brings new challenges and with challenge comes opportunity! I enjoy problem solving and looking for creative ways to meet the needs of my team and our customers.
Q: And finally, what do you enjoy in your spare time? I have three children, two in college and one finishing high school. My work, children and two dogs and cat keep me quite busy!
Ready for Football
Helping to Cover College Costs
Your college student may already back on campus, but it's not too late to visit with us about how a Brazos Parent Loan can help you cover the costs of undergraduate or graduate school. We have partnered with Brazos Higher Education to offer families an affordable parent loan option featuring: no fees, low rates, customized repayment terms and a quick online application. Click Here for More Information.
* Student Loans are offered independently by Brazos Higher Education Service Corp which is not affiliated with Alliance Bank Central Texas.
Wire Fraud Devastates Homebuyers
Imagine loosing a six figure sum and the home of your dreams with just a click of a button. Scammers are increasingly targeting homebuyers, tricking them into wiring their downpayment funds to unauthorized accounts, never to be seen again. It can happen to anyone, so awareness and due diligence are key. To promote awareness, we continue to share a recent story of a couple who lost all of the equity they were putting in their home purchase due to wire fraud. It's devastating, but it can be avoided. Verifying the transfer request by phone and checking who and where the request came from are important steps to take to combat fraud.
Farm Bureau Branch
It was great to see Vernie Glasson in our Texas Farm Bureau branch! Vernie retired in 2016 as the Executive Director for TFB, having served as Chief Executive Officer for 27 years. He left a legacy of strong leadership, humility, grace and style. What is retirement like for Mr. Glasson? “It’s like six Saturdays followed by a Sunday!” he said with a smile. Well done, Mr. Glasson. Well done.
Kids Club Savings
These two super savers joined the Alliance Bank Kids Club. With just a $10 deposit, children can open a savings account and learn about healthy money habits. Plus, it's fun! With each deposit, children earn a token redeemable for a prize. Save five tokens and earn a bigger prize!
Pictured: Aryana & Cornell Menkin
About Alliance Bank Central Texas
Alliance Bank Central Texas is a community bank founded by a local board of directors, owned by a diverse group of over 200 shareholders, and operated by seasoned bankers, most of whom have spent their entire careers in Waco. In less than ten years it has seen assets grow from $35 million to over $300 million. The bank is focused on helping entrepreneurs, professionals and residents, and understands the condition of the local market. It feels real value is created through people connecting personally with their bankers, versus simply having transactions with a bank. Alliance Bank Central Texas provides a full range of financial services including business, personal and mortgage loans. It also provides a variety of deposit products and services including commercial, personal and certificates of deposits along with electronic banking, mobile deposit and cash management services.