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Preparing to Buy a House on a Budget

If you’re thinking about buying a home on a budget, here are some steps to make sure you’re as prepared as you can be when the time comes to apply for your loan.

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The Bank Of The Future

The speed of change will touch all aspects of our business—especially the customer experience. Living in the Internet era, change is happening so quickly that we often don’t realize what change is taking place, or that our expectations are even changing. 

Financing A New Business?

Tips on how to prepare a finance request for the best outcome. If you’re starting, growing or restructuring your business, you may need financing. Preparation is a key to success.  

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The Importance Of An Incredible Customer Experience

A kind gesture, a follow up phone call, holding the door open for a customer… River Valley Bank takes the customer experience very seriously, promoting a positive and memorable encounter with every interaction. 

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Credit Card Offers Saturate the Market.

When thinking about getting a personal credit card there really is only one important question to ask yourself:  What are my financial needs?

Start Something Incredible: RMM Solutions

They’re extraordinarily knowledgeable about technology; about trends; about business; about people; and about the future. Meet RMM Solutions, a Wisconsin based IT company with an impressive upward growth plan and a keen eye on the future of technology. Their growth plan is spearheaded by Rimon Moses, RMM Solutions’ CEO, and a huge proponent of making certain technology is blended with ample doses of humanity. And he should know. The once small IT company has grown into a statewide presence with more than 70 employees.

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Expect Dementia Friendly Service At IncredibleBank!

Almost 6 million Americans have been diagnosed with dementia...and, sadly, that number will continue to rise to an anticipated 14 million by 2050.

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Protecting Your Business From Payment Fraud

For most municipalities, electronic payment systems result in great efficiencies. Unfortunately, these efficiencies set the table for a payment fraud smorgasbord.

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Business Fraud & Phishing On The Rise

Identity theft, fraud, phishing and cyber crimes are growing in frequency and scale. We need to be proactive at protecting our personal data.

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Community Banker...or Developer—What's In A Name?

Bankers grow our communities by helping businesses create jobs. Without start-up capital or funding for day-to-day operations, very few businesses would ever get off the ground—not to mention hire employees. 

Mobile Wallet—Why Should I Make the Switch?

A mobile wallet transaction is a more secure payment method than an actual card transaction! Here’s why using mobile wallet is a fast and safe way to make a payment. 

Todd Nagel, President & CEO, IncredibleBank


The Road To Financial Health Interview: Todd Nagel

President & CEO, IncredibleBank

In our fourth edition of The Road to Financial Health: The Interview, we sit down with Todd Nagel, President and CEO of IncredibleBank, to discuss the name change, how it impacts our customers, and what you can expect from the bank going forward.

P2P Fraud: Everyone Needs To Be Aware

Peer to Peer payments, also known as person to person, are transactions that can be used for anything from paying rent to splitting the bill at dinner. 

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IncredibleBank Launches New Name, New Brand

Ready to bring their award-winning innovation to businesses and consumers throughout the country.

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IncredibleBank is honored with ABA Foundation Community Commitment Award.

IncredibleBank was recently recognized by the American Bankers Association Foundation for its Community Commitment in the category of Protecting Older Americans. This national award of excellence will be presented to the bank at the ABA’s annual convention in Seattle on October 29.


The Road To Financial Health Interview With Brad Mason

Business/Specialty Lender, IncredibleBank
In our fifth edition of The Road to Financial Health: The Interview, we sit down with Brad Mason, National Lender, to discuss good debt versus bad debt, motor coach lending (one of Brad’s specialties), and how he survives the winters in Michigan’s Upper Peninsula.

Deb Gulan, Regional Community Banking Manager, discusses IncredibleBank's 2019 Community Commitment Award for Protecting Older Americans.

Start Something Incredible: Revi Design

Revi Design, and that’s short for REVITALIZE, was founded in Wausau, WI in February of 2010 by Dave Sether, a Milwaukee transplant. By his own admission, that was a tough month in a tough year to start a landscape design firm specializing in everything from design/build and excavation to snow removal and irrigation. But none of that was a deterrent to Dave and his team who conquered not only the elements but the aftershock of the Great Recession. And conquer they did. Growing the company from 10 employees to nearly 100, revi Design has now become one of the area’s largest landscape design companies with their sights set on further expansion with the help of IncredibleBank.

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IncredibleBank Foundation Helps Good News Project With Their HELP Closet

The Good News Project, which was founded in 1983 and has served the needs of others locally and abroad, was the recent recipient of a $4,000 grant from IncredibleBank Foundation.

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IncredibleBank sponsors Nick Van Strydonk at the Eagle River World Championship Snowmobile Derby

Todd Nagel, President and CEO of IncredibleBank said, “The sponsorship of Nick at the world championships is extremely important to us on so many different levels. First, the community of Eagle River, where this tremendous race is conducted each year, has been vital to the success of IncredibleBank since the day we opened our branch.


The IncredibleBank Interview With Nick Van Strydonk

Nick Van Strydonk is a world champion snowmobile racer from Tomahawk, WI. Van Strydonk is a two-time world champion capturing the crown in 2017 and 2012 when he became the youngest champion at the age of 21. He drives the No. 13 Polaris T&N Racing Team sled and is sponsored by IncredibleBank.


Todd Nagel, President and CEO of IncredibleBank Named Wisconsin Banker of the Year. 

The Wisconsin Bankers Association (WBA) has announced the 2019 Community Banker of the Year is Todd Nagel, President and CEO of IncredibleBank.  

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How To Choose The Right Credit Card

With all of the options available to you, it's hard to decide which credit card is best for you. In this article we provide the process to take for choosing your card.

Start Something Incredible: Fashion Villa

Fashion Villa owners Kerry MacDonald and Trish Volm pay it forward because they know that at any time a business’s income can change faster than the latest hairstyles. The pandemic reminded them of that. But as owners of Fashion Villa, the ever-popular place for hairstyling and fashionable accessories, they’ve continued to build something incredible, even in the toughest of times.

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Masks For Marquette

Even in the most trying times, the will to help our neighbors, even neighbors who are unknown to us, is the will that drives us. Nothing has been more evident of that than a program in Marquette, Michigan  where IncredibleBank has two branch locations, called Masks for Marquette.


IncredibleBank Delivers An SBA Loan To A San Francisco Digital Pharmacy

The timing was critical as COVID-19 has been extremely devastating to the San Francisco community, and California public health officials have ordered all residents to stay at home. TIN Rx has become a much-needed respite for people who can’t physically travel to a pharmacy.

Read About TIN Rx


Incredible Customer Experiences: Helping Others In Tomahawk, Houghton and Wausau.

Everyday, IncredibleBank employees are going above and beyond their roles and responsibilities to add comfort and assistance to our customers during these difficult times. Here are a few of their stories.

Todd Nagel Interview In American Banker 

This is a great article that shows how IncredibleBank continues to serve its customers during the Coronavirus outbreak.   

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Incredible Customer Experiences: Helping Others In Marquette, Ironwood and Wausau 

Every day, IncredibleBank employees are going above and beyond their roles and responsibilities to add comfort and assistance to our customers during these difficult times.

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Incredible Customer Experiences: Helping Others In Iron Mountain, Minocqua and Calumet

There is a Hearts for Hope-Yooper Strong Group that was established because of the pandemic and many people are deciding to join the group.


The Financial Brand Interview With Todd Nagel

Will Pandemic Give Digital-Only Financial Institutions A Big Win?
The economic impact of the pandemic will have major implications for banks and credit unions, whether digitally advanced or not. Yet this economic impact very definitely plays into the question of digital advantage.

Incredible Customer Experiences: Helping Others In Marquette, Minocqua and Houghton

The Feeding America Truck was recently in Marquette at the Salvation Army. IncredibleBankers Michelle Winters, Kristen Derocha and Karen Shaneberger volunteered to lend a hand and 400 families benefited from this effort.


IncredibleBank Sponsors Fundraiser For The Neighbors' Place 

In a music-themed fundraising event titled “Singing For Their Supper”, produced by Gray Television and WSAW, and sponsored by IncredibleBank, a total of $104,714 was raised for The Neighbors’ Place, Marathon County’s largest food bank.

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IncredibleBank Foundation Makes $10,000 Donation

The COVID-19 Community Response Fund, established by the Community Foundation of North Central Wisconsin and United Way of Marathon County, has announced the donation of a $10,000 contribution by IncredibleBank Foundation.  

Start Something Incredible: Reindl Printing

Rick and Lynne Reindl were on to something big when they founded Reindl Printing in 1979. From a storefront with a few hundred square feet to an advanced 70,000 square foot facility, the Reindl’s pressed on as the presses grew larger.

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Back To Business, But Not Quite Back To Normal

Dear IncredibleBank Customers,
The last ten weeks have been a monumental rollercoaster ride of despair and hope, of courage and resolve, and of inventiveness and ingenuity. I want to thank you for your patience and loyalty during this time, and I want to make certain our employees know when I use words like hope, courage, resolve and ingenuity, I’m thinking of them; their efforts, their determination, and their dedication to you.


IncredibleBank and IncredibleBank Foundation Announce Assistance For Small Businesses 

The Federal Home Loan Bank of Chicago (FHLBank) has awarded a $20,000 grant to IncredibleBank through the FHLBank’s COVID-19 Relief Program developed to assist small, local businesses. IncredibleBank, in turn, donated those funds to MCDEVCO for distribution to Marathon County businesses. In addition to the $20,000 grant, IncredibleBank Foundation contributed another $10,000 to MCDEVCO increasing the funding to $30,000. 

Free Credit Freezes

Learn about how you can get a free credit freeze on your account, the pros and cons of activating a credit freeze, and a helpful reminder to discuss identity theft with family members.


IncredibleBank Welcomes JoAnn Draeger as Vice President of Business Banking

JoAnn is a highly experienced banking professional with decades of providing exceptional service to clients in the financial services sector. Her experience spans many core competencies in banking including private client services to high net worth individuals and  business owners, retail and mortgage banking, and business banking where she has focused and excelled throughout her career. 

Two hours of volunteer work. Four lanes of cars. Three hundred families.

Community banks are focused on numbers. It’s a part of what we do. At IncredibleBank, our focus on numbers includes those that relate to hunger and hope. 


Gary Stroyny Joins Board of Directors

Stroyny has had a long and distinguished career as a business executive and public service volunteer that has spanned nearly 45 years of achievements. 

Wausau Child Care receives free van from IncredibleBank Foundation 

Wausau Child Care, a non-profit organization, was in need of van to help transport food and supplies to their multiple locations throughout Marathon County which include Stewart Avenue, Westside Center, Franklin Center and Cedar Creek Center. 


Volunteering a big part of her life

JoAnn Draeger strives to make a difference for people in her community. 

Read About JoAnn


IncredibleBank Raises $27,610 For Never Forgotten Honor Flight

On Monday, August 17th, golfers and sponsors gathered at Wausau Country Club to pay tribute to our Veterans who valiantly served our country during World War II, the Korean War and the Vietnam War. 

How Can I Prepare My Business To Apply For A Loan During The Pandemic? 

If you are one of the thousands of businesses in America impacted by the COVID-19 pandemic, you are likely focused on adapting your business model or some manner of a recovery plan that will help you reestablish yourself, get you back to business, and out of the red. 

Create A COVID Recovery-Focused Business Plan


SBA Visits IncredibleBank Customer, Crystal Finishing

On September 24th, the U.S. Small Business Administration’s Great Lakes Regional Administrator, Rob Scott, visited central Wisconsin small businesses that have benefited from SBA and USDA coronavirus economic relief. Their visit included a tour and listening session of long-time IncredibleBank customer Crystal Finishing Systems located in Schofield, Wisconsin.


IncredibleBank Sponsors Derek Kraus at Bristol Motor Speedway

Derek Kraus had an up and down night on the high banks of Bristol Motor Speedway in the NASCAR Gander RV & Outdoors Truck Series competition on Thursday. 


IncredibleBank Foundation Donates $100,000 To Tomahawk’s Hatchet Pride Project

Hatchet Pride is an important project that will encourage strong academics, teamwork, self-esteem and healthy lifestyles among Tomahawk students.

Read About Hatchet Pride


IncredibleBank Announces $15,000 Target Impact Fund Grant From The Federal Home Loan Bank of Chicago

IncredibleBank has announced that three organizations will each receive a $5,000 grant. The organizations are the YWCA of Wausau, Feeding Our Rural Kids (FORK) in Eagle River, and the Tomahawk Area Interfaith Volunteers of Tomahawk, WI. 


Webinar Series: Employee Engagement Communication During COVID

Join us for this webinar to learn about employee engagement during the COVID-19 pandemic.  Stephanie Perkins, VP of People, at IncredibleBank will talk about why engagement matters, what engagement looks like, and how to develop an action plan for your business.

Protecting Your Business From Cyber Attacks Webinar

Held Tuesday, November 17th, 2020
11:00 - 12:00 CST

 Jennifer Zurfluh, Cyber Risk Manager, at IncredibleBank will walk you through the most common types of attacks your business might see, the various regulations that might not be enough to protect you, and 10 easy to implement security practices that will help protect your business.


IncredibleBank announces the sale of its insurance subsidiary, IB Insurance.

IncredibleBank has announced the sale of their insurance subsidiary, IB Insurance to Compass Insurance Services with offices in Kronenwetter, Wausau and Stevens Point, Wisconsin. The sale was finalized on Saturday, December 12.

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Surgical Associates Started Something Incredible

Surgical Associates, headquartered in Wausau, WI, is a multi-disciplinary team of 16 surgeons and more than 70 highly trained staff that operate in central and northern Wisconsin and Michigan’s Upper Peninsula. 

Listen to Dr. Ben Herdrich, of Surgical Associates, S.C., explain the balance, the challenges, the desire to plan, but the reality of planning, all the while opening a “big-city” MedSpa in a central Wisconsin town of 38,000 people. 

Their Story

How To Harness Intelligence Recorded Webinar

Held: Jan 19, 2021 
Stephanie Perkins, VP of People, at IncredibleBank presented a webinar on  emotional intelligence and how individuals and teams can use it to improve work performance and job satisfaction.  


GoBankingRates Gives IncredibleBank A High Rating

Incredible Bank’s breadth of products and competitive CD rates make it a worthy contender for your banking business. In fact, GOBankingRates rated Incredible Bank one of the Best Online Banks of 2021 as well as one of the Best CD Accounts of 2021, in its yearly rankings.


Women in Fintech: An Interview With Kathy Strasser

Chief Operating Officer
Chief Information Offices

Charlotte Burgess of Finovate interviewed Kathy Strasser about her experiences in and thoughts on the fintech industry today.

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IncredibleBank Foundation announces $20,000 donation to Keep Area Teens Safe (KATS) organization.

Dr. Mary Jo Freeman, President of the KATS’ Board of Directors stated, “ We are grateful to IncredibleBank Foundation for their $20,000 donation to our program. This contribution will go a long way in advancing our goal of keeping teens off the street to decrease the risk for trafficking or drug addiction, and to offer the services they need to succeed.  


IncredibleBank Foundation Announces Highlights Of Contributions To The Minocqua/Eagle River Area.

Over the last five years, IncredibleBank Foundation and IncredibleBank employees and owners have donated nearly $1,250,000 to the Minocqua/Eagle River community.


Red Flags and Red Herrings

How to Thwart Phishing Attacks and Cyber Strikes
 Hackers, bad actors and cyber criminals are all around us; in fact, they’re making our business and personal lives miserable. The good news is there are precautions and preventative measures we can take to minimize this risk of their horrible actions.

Credit Card Processing In Uncertain Times

Learn how to expand contactless and web-based payments, why proactive service and support is important to your business, and future changes to the payment industry in our latest webinar.

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IncredibleBank Foundation announces $100,000 gift to Community Partners Campus in Wausau

The Community Partners Campus allows member non-profit organizations to focus on their mission of serving the community rather than managing day to day business challenges such as office space and technology. 

Read About The Gift

Sam Golbach Joins IncredibleBank as New Vice President of Information Technology

Golbach is a highly experienced technology and business leader having served for decades in top management positions in the financial services sector. Most recently, Golbach served as Director of Product Management for Deluxe Corporation and prior to that held senior management positions at Wausau Financial Systems.

Leslie Osman Joins IncredibleBank as New Director of Marketing

Osman is a highly experienced marketing executive and business leader having served for more than a decade in top management positions in the financial and insurance services sector. Most recently, Osman served as Vice President–Marketing at Park Bank in Madison, WI where she led the bank’s marketing team.

Derek Kraus Finishes 15th at Richmond Raceway

Kraus battled all day and scored himself a top 15 finish at Richmond Raceway.

Derek Kraus Competes at Kansas Motor Speedway

Derek Kraus drove the No. 19 IncredibleBank-sponsored Toyota Tundra hard at Kansas Motor Speedway, battling for position all day.

Matthew Gemaehlich Joins IncredibleBank As New Loan Services Manager

In his new position, Gemaehlich will hold responsibilities for planning and directing IncredibleBank’s post-servicing activities for mortgage, consumer and business loans through the entire lending process from booking to payoff.

IncredibleBank Announces New Home Loan Processing Manager.

Janene Ball Joins IncredibleBank In New Role.

In her new position, Janene will be responsible for planning and directing IncredibleBank’s home loan processing activities which includes overseeing operational risk and regulatory compliance.

Read The Announcement

5 Reasons To Open A Business Credit Card

Easily separate your expenses, save money while you earn, and set payment controls are just a few of the reasons you should open an IncredibleBank business credit card.

How To Avoid Account Takeover Fraud

Learn how you can be proactive to protect yourself against fraud attacks, and how to react when you are targeted by fraudsters.

Todd Nagel Talks IncredibleBank On Believe In Banking Podcast

IncredibleBank President and CEO, Todd Nagel, joined the Believe In Banking Podcast (Opens in a new Window) to talk all things IncredibleBank. In this episode, Todd details the rich history of IncredibleBank, from our humble beginnings as River Valley State Bank, the process of becoming the country's first national online community bank, to navigating the obstacles brought on by the pandemic.

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Start Something Incredible: Stengl Marine

In 1978, Jim and Chris started Stengl Marine in the small summer enclave of Minocqua. Later, their son Bill, became the skipper and helped transform the boat storage company to a sales and service organization serving more than 600 customers in Wisconsin’s Northwoods.

Together, they grew the business and set a course for success. We can help you set the right course, too. And together, we'll help you grow successfully. 

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IncredibleBank Announces Promotion of Philip Suckow

New Role as Director of Digital and Innovation Focused on Customer Experience

In his new role, Suckow will be responsible for researching and evaluating new financial technologies to support the IncredibleBank promise of an Incredible Customer ExperienceTM.

Read The Announcement

Start Something Incredible: Sunburst Shutters

Ever go shopping for something, only to be disappointed by your options? That’s what happened to Ron Swapp in the 1970s when he was searching for window shutters. But rather than settling for one of the existing options, he decided to make his own.
And he never looked back. He started Sunburst Shutters & Window Fashions out of his garage, and it has now grown to over 80 locations.
Now run by Swapp’s nephew, Dix Jarman, Sunburst has proven it has staying (and growing) power, focused on product innovation, environmental sustainability, and their Made in America commitment.

Buying a Home With Low Income in 2021

Don't let your dream of home-ownership stay a dream. There are programs available for first-time home buyers, no and low down-payments, and more.

7 Benefits of Mobile Banking

Mobile banking usage keeps hitting all-time highs nationwide, and with good reason. We’re all placing a lot more value on our own time, and if we can do our banking from home – or better yet, from anywhere – a trip to the branch just doesn’t seem worth it.
If you haven’t downloaded your mobile banking app(Opens in a new Window), here are a few of the biggest benefits.

IncredibleBank's Golf Outing for Honor Flight Raises Nearly $30,000

IncredibleBank hosted its 11th Annual Never Forgotten Honor Flight(Opens in a new Window) Charity Golf Outing on August 16th, 2021, at the Wausau Country Club. The outing, featuring a silent auction, hole events and competitions, cocktail hour, dinner, and an awards ceremony, was a huge success, raising $29,301 to help send our veterans to Washington, D.C.

Start Something Incredible: Kocourek Automotive

Keith Kocourek got started at age 16 by washing cars at a local dealership, where his love for cars began. Now, he owns dealerships representing many of the most well-known auto brands around.
Learn more about how Keith remains driven (pun very much intended) to continue to grow his companies – and how IncredibleBank has helped him do it.

Medicare 101 Webinar

Presented by Tom Shanley, Senior Med Benefits
Medicare is complicated. If you or a loved one is Medicare-eligible, you probably have questions. We partnered with Tom Shanley of Senior Med Benefits(Opens in a new Window) to answer some of the most frequently asked Medicare questions.

How to Switch Banks

So you want to switch banks.

Okay, okay, let’s be honest, you probably don’t want to. But whether you feel compelled to because your current bank isn’t cutting it, or your new bank has something great to offer, switching banks can feel overwhelming.

Well – we’re here with your guide to switching banks to help you feel confident as you make the move.


7 Cybersecurity Tips to Follow in 2021

Dwight was right – identity theft is not a joke (though Jim dressing up as Dwight(Opens in a new Window) sure is entertaining). And it’s only on the rise – according to a recent GIACT report(Opens in a new Window), losses from identity theft increased by 42% between 2019 and 2020, and they’re forecasted to continue to rise.


Start Something Incredible: Casa Amigos

Opening a new restaurant always carries a bit of risk. But opening one in the middle of a worldwide pandemic? Now that takes some real courage.

And Ya-Ya Guitierrez? She’s got plenty of it.

Renting vs. Buying a Home

Which is better? The short answer is like that passive-aggressive relationship status on Facebook – it’s complicated.

Small Business Saturday

Small Business Saturday began in 2010, and has since grown into a movement focused on the benefits of spending your dollars at small businesses.

Giving Tuesday

Started in 2012, Giving Tuesday is all about…well…giving. It’s about donating time, money, goods, or even your voice, toward a cause that is meaningful to you in your community.