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Neil Mathwig, Tony Thornton and Lori Davis; a Proven Team Dedicated to Serving the Chippewa Valley.

First Bank of Baldwin is pleased to announce the opening of a Loan Production Office in Chippewa Falls in its continuing efforts to provide exceptional financial services to communities in Western Wisconsin.  

Neil and Tony will provide business lending services, specializing in commercial real estate loans, working capital loans and equipment term loans. Lori will provide residential mortgage and consumer lending services, specializing in home construction loans and long-term secondary market financing.

Neil grew up in Chippewa Falls, and holds a BS degree in Finance, Investments, and Banking from University of Wisconsin – Madison. Neil has over 20 years of business lending experience in Chippewa Falls and the surrounding area. “I am excited to continue building long-term relationships and will strive to help our clients achieve financial success. It is a privilege to be working for a dynamic community bank with a rich tradition of commitment to the local communities and businesses that make western Wisconsin an amazing place to live, work and play!”

Tony has been a Commercial Lender for the past 7 years and has been in financial services for almost 15 years. With his diverse background and vast knowledge, you will find value in the financial advice he provides. Tony is a graduate of The Center for Financial Training North Central States Commercial Lending School, and is currently in his third year of UW Madison’s Graduate School of Banking program. Tony is a licensed insurance agent and has extensive knowledge in surety bonds. Tony has been with First Bank of Baldwin for 9 months and said, “I am excited about Neil and Lori joining our team and opening a Loan Production Office in Chippewa Falls. We are a proven team that work well together based on the same belief that our success is based on building long term relationships with people based on trust to help support the success and growth of our customers.”                                                                                                                                    

Lori also grew up locally, and has 18 years of banking experience and 10 years of mortgage and consumer lending experience in the Chippewa Falls area. “I am most excited to be able to continue building long lasting relationships with customers that have come to trust and rely on the exceptional knowledge and service that I have proven to provide. The Chippewa Valley area is my home and it is my priority to provide community members with a wide variety of lending options to help them achieve their financial dreams.”  

The First Bank of Baldwin Loan Production Office opened on April 1st and is located at 2889 County Hwy I, Chippewa Falls, WI.   Contact Neil, Tony or Lori directly at 715-861-5567, or by email at , or

First Bank of Baldwin has been serving western Wisconsin since 1883 with offices in Baldwin, Spring Valley, Plum City and Balsam Lake. We take pride in giving extraordinary customer service, the kind of service that knows you, your family and your individual financial needs.

Introducing Person-2-Person Payments

This FREE service is available through online banking or via our FBB Mobile App. You can send money easily to friends or family and it’s faster than writing checks and safer than sending cash!  The person you are paying only needs to have a debit card to process the transaction.

Simple Steps:

  • Login to Online Banking or the FBB Mobile App
  • Select the Move Money tab
  • Click New Transaction
  • Select your from checking account
  • Click +Add New Payee
  • Select Person to Person
  • Fill out required payee information
  • The payee will receive a message to enter their debit card information.
  • Once the payee completes the previous step you can initiate a new payment.

P2P Agreement acceptance required before first use

P2P Limits:

$500.00 Per Transaction
$1000.00 Per Day
$3000.00 Per Rolling 7 Days
$5000.00 Per Rolling 30 Days

Like many people, you may not be in the habit of carrying cash. With credit and debit cards and online bill pay, why bother? But, how do you pay the sitter? Repay a friend for lunch? With Person to Person (P2P) payments you can send money as easily as you send a text or email message.  P2P payments are fast and secure money transfers to friends, family members or service providers and eliminates the need to carry checks, find an ATM or visit third-party websites to send money.

First Bank of Baldwin’s P2P service is available via the FBB Mobile App or Online Banking. You can send money to anyone you know, using only their name and email address or mobile phone number.  They just need to have a bank debit card.

First Bank of Baldwin (FBB) Debit Cards* are now available to use with any of the following Mobile Wallets:

  • Apple Pay
  • Samsung Pay
  • Google Pay
  • Masterpass
  • Microsoft Wallet
  • Fitbit Pay
  • Garmin Fitpay
  • Merchant Tokenization


Most smartphones come with a wallet app preloaded. Follow the easy steps on your device to add your FBB Debit Card.


*FINAL STEP: Once the card is added you will be prompted to contact the bank. Please call 800-499-4362 Ext. #247 or ask for Bookkeeping to complete activation of your card for use in your mobile wallet. Bookkeeping is available Monday-Friday 8:00am-5:00pm CST.


**Not all merchants accept Mobile Wallet payment.

What You Need to Know About Mobile Wallets

Before you load all your credit/debit cards on to your smart phone and leave your plastic at home, there are some mobile wallet basics you should know.

What is a mobile wallet? A mobile wallet is an app on your mobile device that stores payment information from a credit or debit card, and then allows you to use your device to make purchases. There are a number of different mobile wallets that are compatible with specific devices. Like a credit/debit card, your mobile wallet will only work at retailers that accept your device as a payment method. The major mobile wallets are Apple Pay, Google Pay and Samsung Pay. The apps come integrated in your mobile devices. There are also mobile wallets you can download from the app stores.

The main benefit of mobile wallets is convenience. First, you can store all your payment card information in one place, so you don’t have to carry the cards with you. When ready to pay, open the app, touch your phone to the compatible reader next to a register, and you’re on your way. Mobile wallets are not limited to smart phones and can be loaded on to tablets and smartwatches.

Which mobile wallet should you choose? While there aren’t many mobile wallet choices, there are some options to keep in mind. First, not every mobile device is compatible with mobile wallet technology. If you have an older device, you may have to check with the manufacturer. Also, which device you own will limit which integrated wallet you can use. IPhones have Apple Pay. Android phones have Google Pay. Samsung phones have Samsung Pay. The mobile wallets that come with your devices generally take fewer steps to use and offer a quicker transaction experience.

How do you set up a mobile wallet? Once you choose the mobile wallet you want, setting it up is easy. Basically, you open the app and add the information for each card you want to store in the wallet. Keep in mind that even though you may load up all your credit cards into your mobile wallet, only one of them will be your default payment option. That card will be the one that is used to process a purchase. If you want to use a different card, you will have to change the default card before you make the transaction.

Are mobile wallets secure? Unlike cash, which can be stolen, and credit cards, which can be copied, the card information you load into a mobile wallet is encrypted. In order to make a payment, you have to unlock your device and also type the pass code or use your fingerprint to unlock the mobile wallet. To reduce your risk of fraudulent charges if your device is lost or stolen, make sure to set a strong pass code and enable fingerprint authentication to lock your device once you enable a wallet.

Are there any drawbacks? With the increased convenience and security of mobile wallets, there are some things you should keep in mind. Keep an eye on your battery life. If your device runs out of power, you may get stranded without access to your mobile wallet. Also, because mobile wallets are a newer technology, it may take time for consumer protections to catch up. Depending on the privacy policy, the mobile wallet issuer may collect or share your spending data in ways that aren’t allowed when using a credit card.

Excerpts from US News article written by Steven Abrams published March 16, 2018



Make it a practice to turn your debit cards Off when not in use.
First Bank of Baldwin is excited to be one of the first Community Banks in Western Wisconsin to offer this advanced technology.
It’s your best defense against debit card fraud. Simply use the FBB Mobile App (or use Online Banking) to control turning your debit card off or on for greater security.*
This convenient control will keep your cards from unauthorized use in the event that someone has fraudulently captured your debit cards numbers.
We have seen many situations at our community bank, where a customer may not be aware that their debit card is being used by thieves to make online or in-store purchases. Please keep an eye on your transactions through your online statement and contact us if you see any fraudulent transactions.
Play it safe and download the app today, available on iTunes or the Google Play store.
*Turning your card Off only impacts future debit card (point of sale and ATM) transactions.  Any previously authorized transactions will be paid, and any recurring transactions you had previously set up will still occur.  Turning your card Off will not affect your checks, mobile, internet banking transfers or bill pay.
For more information please call 800-499-4362.

First Bank of Baldwin Offers Tips for Avoiding Online Dating Scams

Social media networks and dating websites have become increasingly popular tools for meeting and communicating. Unfortunately, fraudsters have capitalized on this trend and often create fake profiles to lure in victims, establish romantic relationships and eventually, extort money.

According to the FBI, over $220 million was lost in 2016 to online romance scam artists. Older Americans in particular have been targeted by this type of scam.

“While online dating can open doors to loving, happy relationships, we are receiving more and more reports of criminals using these platforms to take advantage of unsuspecting users,” said Hilari Henke, First Bank of Baldwin Universal Banker. “Approach these relationships with caution so you don’t end up with a broken heart and an empty wallet.”

If you’re concerned that you or a loved one are being scammed, First Bank of Baldwin recommends taking the following precautions:

  • Slow down – and talk to someone you trust. Don’t let a scammer rush you.
  • Never wire money, put money on a gift or cash reload card, or send cash to an online love interest. You won’t get it back.
  • Contact your bank right away if you think you’ve sent money to a scammer.
  • Report your experience to:
    • The online dating site
    • FTC
    • FBI

To learn more about online dating scams, view the ABA Foundation and FTC’s infographic.

First Bank of Baldwin is committed to educating our customers about the various types of fraud that exist, and ways to avoid being a victim. Never send money or give your account information to a person that you met online.  Contact your bank and be open and honest about what the online person is requesting.  First Bank of Baldwin, First for your Family, Farm or Business.  Member FDIC

12 Tips for Protecting Your Mobile Devices
March 4-10 is National Consumer Protection Week


As consumer use of mobile devices continues to climb, cyber criminals are targeting those gadgets more frequently. According to a report by the Federal Reserve, 532 percent of smartphone users say they have used mobile banking in the past 12 months. In recognition of National Consumer Protection Week March 4-10, First Bank of Baldwin is highlighting 12 ways consumers can take extra precaution to protect the data on their mobile device.

“We use gold-standard safeguards to protect customer information, but it’s also important for users to keep safety measures in place to prevent sensitive data from being compromised,” said Mark Hojem, First Bank of Baldwin IT System Analyst. “It’s easy to forget that your mobile device can be vulnerable, but any device used to connect to the internet is at risk.”

First Bank of Baldwin suggests following these 12 steps to protect your mobile device:

    • Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
    • Log out completely when you finish a mobile banking session.
    • Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
    • Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
    • Download the updates for your phone and mobile apps.
    • Avoid storing sensitive information like passwords or a social security number on your mobile device.
    • Tell your financial institution immediately if you change your phone number or lose your mobile device.
    • Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
    • Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
    • Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
  • Watch out for public Wi-Fi. Public connections aren’t very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network. Consider using a Virtual Private Network (VPN) app to secure and encrypt your communications when connecting to a public Wi-Fi network. (See the Federal Trade Commission’s tips for selecting a VPN app.)
  • Report any suspected fraud to your bank immediately.



First Bank of Baldwin is dedicated to helping protect our customers from fraud by sharing best practices that can assist in preventing financial hardships due to scams.

First Bank of Baldwin, First for your Family, Farm or Business.


8 Tips to Help Prevent Crime at ATMs

First Bank of Baldwin Raises Awareness for National Consumer Protection Week

            There are more than 400,000 ATMs in the United States and that number is growing. First Bank of Baldwin has 3 ATM’s and is part of the MoneyPass network that has over 25,000 ATM’s nationwide. ATM use is at an all-time high which is why First Bank of Baldwin is dedicated to keeping its customers safe at those locations with the following helpful tips.

            “We believe that even one incident of ATM crime is too many,” said Deann LaValley, First Bank of Baldwin Director of Compliance. “Customer safety is our top priority when it comes to ATM use.”

The bank works closely with the local police departments to prevent criminal activity around local ATMs.  The bank has taken preventative measures to enhance consumer safety including installation of surveillance cameras, increased lighting and withdrawal limits.

First Bank of Baldwin takes a number of precautions to ensure that its customers have a safe environment, but there is no substitute for good, cautious behavior on the part of the customer.

            In recognition of National Consumer Protection Week March 4-10, First Bank of Baldwin recommends that customers follow these eight safety tips when using any ATM:

  • Keep your PIN number a secret. Never write it down or share it with anyone – not even family members.
  • Be aware of your surroundings, particularly at night. Make sure the ATM is free of sight obstructions. If you observe suspicious persons or circumstances, do not use the machine.
  • Bring someone with you when using an ATM at night. If you can’t, use an ATM that is located in a public area like a convenience or grocery store.
  • Have your ATM card ready and in your hand as you approach the ATM.
  • Use your body to “shield” the ATM keyboard as you enter your PIN.
  • Always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.If you ever witness suspected ATM criminal behavior don’t hesitate to call 911. First Bank of Baldwin has been locally owned since 1883 and continues to prioritize our customer’s safety in the communities we serve. First Bank of Baldwin; First for your Family, Farm or Business. Member FDIC 

8 Ways to Fight ID Fraud Online           

First Bank of Baldwin Raises Awareness for National Consumer Protection Week

Nearly three decades after the internet was introduced, the web continues to transform the lives of many users, revolutionizing the way consumers shop, pay bills, and transfer money online. As these advancements make common tasks hassle-free, consumers are urged to take extra precautions, allowing them to navigate the web safely and avoid online crime.

“Banks are constantly innovating to make it easier for customers to manage their money online,” said Ryma Lindquist, First Bank of Baldwin Marketing Director. “At the same time, we’re always looking for ways to help customers combat cyber threats.”

In recognition of National Consumer Protection Week March 4-10, First Bank of Baldwin is offering these tips to help users safeguard their personal information and navigate the web safely:

  • Keep your computers and mobile devices up to date.  Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
  • Set strong passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.
  • Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from unfamiliar sources.
    • Forward phishing emails to the Federal Trade Commission (FTC) at – and to the company, bank or organization impersonated in the email.
  • Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc.  Be wary of requests to connect from people you do not know.
  • Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it. Consider using a Virtual Private Network (VPN) app to secure and encrypt your communications when connecting to a public Wi-Fi network. (See the Federal Trade Commission’s tips for selecting a VPN app.)
  • Be careful in the cloud. While using the cloud makes it easier to store and share large amounts of files, understand that it also opens other avenues for attack.
  • Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.
  • Read the site’s privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects.
  • Report any suspected fraud to your bank immediately.


First Bank of Baldwin locally owned and operated since 1883 is dedicated to serving our community by helping consumers be aware and prevent fraud. If you suspect that an email or phone call is a scam please call us immediately at 715-684-3366.  First Bank of Baldwin; First for your Family, Farm or Business.  Member FDIC