News, Cyber Tips & More
November/December 2019

Cyber Shopping Tips for the Holiday Season 

It’s that time of year again, holiday shopping has begun! Everyone is looking for those unique gifts, hot toys, and cool electronics. Whether it is a hard-to-find toy or the latest smart TV. Black Friday sales always catch our attention. Yet even after the chaos of Black Friday lies both Small Business Saturday and Cyber Monday. While it’s clear that businesses are after your dollars during the holidays, you should be aware that cybercriminals are on the lookout, too. 
When it comes to holiday shopping, you need to be careful that you don’t fall prey to these cybercriminals. The number one tip for safe Holiday shopping is to shop local. Give our local businesses an opportunity to meet your needs. If you do need to shop online, here are some safety reminders:
  • Don’t use public Wi-Fi when shopping online. Always use a      safe, secure connection.
  • Know about what the product should cost before making the purchase. Some sites mark-up product prices so you will pay more than you should. Also, make sure you are getting the correct model as prior year products are often marketed as deals. 
  • Only shop at sites you already know and trust. 
  • Keep your computer and mobile devices up to date with the latest operating systems and patches applied.
  • Always use credit cards when shopping online. If your debit card is compromised the criminals may have access to your funds. Your credit card is not linked to your bank account. 

 Remember, always trust your instincts. If a website seems suspicious or doesn’t work quite right, stop and reconsider doing business on that site. ~ Happy Holidays and safe shopping!

Settlers Bank Celebrates Veterans Day! 

Slice of PIE 

Settlers Bank and Harmar Elementary School have been busy during the month of November, teaming up to celebrate Veteran’s Day and educate 4th graders on Career Awareness Day. This year when Settlers Bank wanted to honor Veterans, we decided to give commemorative coins to those being inducted into the Veteran’s Hall of Fame, decorate the bank with customer uniforms, photos and memorabilia from their time of service, flags and décor from American Flags and Poles and coloring pictures from Putnam and Harmar Elementary Schools.  But what was the rose on the already over-iced cake? The Harmar Elementary School Choir, under the direction of Ms. Liz Mason, singing the Armed forces Medley and the National Anthem. They were wonderful, and the guests in attendance, most of whom were Veterans, loved seeing the children sing the theme songs from their branch of the service. We were all so proud of the incredibly well behaved and talented students, that when Harmar’s PIE (Partners in Education) Coordinator, Katelyn Eckrote, called and asked if we would host eight 4th grade students in our Bank for their Career Awareness Day, we were eager to say yes! The students arrived with their teacher Mrs. Bonnette and spent an hour interviewing various employees, taking a tour of the bank, and enjoying a little snack before playing a game to see who could guess how much money we dumped into the coin machine. The hour flew by and then they were picked up by the bus and taken back across the Muskingum River where they would begin working on a report to share with other students. The staff and students at Harmar Elementary School reciprocate the principle found in our motto “Neighbors Doing Business with Neighbors”. Thank you, Harmar Hawks!

Buy, buy, says the sign in the shop window;
Why, why, says the junk in the yard.

Paul McCartney

Employee Spotlight


Denise Harris. The girl upstairs.

Wait a minute? Settlers Bank is two stories tall? That’s right. Operations, the Loan Department and the President are located on the first floor, but the second floor is home to the Board Room, the restrooms, and numerous offices. One doesn’t see these office employees too terribly often, but they’re upstairs, or as they like to call it (tongue in cheek), the ‘Penthouse’, working diligently at all of the details that ensure the safety and soundness of the Bank. One of the ‘Penthouse People’ is our Payroll Coordinator, Denise Harris.  It’s likely you will run into Denise if you stop in the bank with regularity because she is one who runs upstairs-downstairs all day long, training people, performing HR responsibilities, hunting down documents and information, updating iPads, working on certificates, etc. Denise is one of those people who is capable, willing, determined, and necessary for holding all the moving parts together.  Although, if you ask her, she’ll just smile, shrug, and say she’s just doing her job.

This month, Denise Harris is in our Employee Spotlight. Born and raised in Marietta, Denise was not your typical child. While other children were playing with their baby-dolls, Denise was playing ‘office’ or ‘school’. 



Organizing and managing the other children, desperately trying to make everybody more efficient. Which is a great picture of who Denise has been throughout her entire life. As a single mother of two she supported her family, working in various restaurants in Marietta, eventually putting herself through Marietta College and earning a Bachelor’s Degree in Accounting.  While in school and waitressing she met Mr. Jim Meagle, a founder and the first President of Settlers Bank. “Jim was always helping somebody. He was the best!”, Denise remembers fondly. “He gave me an internship at Settlers Bank and the rest is history!”. 

After working in several positions and receiving numerous promotions, Denise can’t imagine herself ever leaving Settlers Bank. “This is my home away from home. I love the customers, and I love the people I work with.” But when she is at home she enjoys baking, playing card games with her kids and hanging out with her grandsons: Remington (5 ) and Fletcher (2 weeks).  Someday she might like to do some traveling. She has a deep love for history and is eager to visit many historical sites in America. Loyal, funny, energetic and kind to all, it’s no surprise that when asked ‘If you could spend time with any historical figure of the past, who would it be?’, she didn’t hesitate a second before stating, “Martin Luther King. My mom raised me right and taught me that everyone matters. That’s how Dr. King lived.” Denise tries to live by her favorite Luther quote, “In the end, we will remember not the words of our enemies, but the silence of our friends”.

Settlers Bank is lucky to call Denise Harris, the girl upstairs, friend.

Making music is like shopping for me. Every song is like a new pair of shoes.

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115 Third Street
Marietta, Ohio 45750
Phone (740) 373-9200

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