Detecting counterfeit money Sep 29, 2014, 11:02 am By Heidi Carmack Pfaffroth

Recently, a customer came into one of our branches to deposit money from a very small, retail business. One of the $50 bills was counterfeit and we quickly realized that the counterfeiter took advantage of the fact that the receiving end of the bill was a young, inexperienced teenager, working his first summer job.

Another way a counterfeiter might scam people is with a stack of mixed bills for a KSL or Craigslist sale. A counterfeiter might buy your item from a re-sale site like KSL, and hand you a stack of $20 bills. Knowing you’ll likely notice if they’re all counterfeit, the counterfeiter will mix in fake bills in the middle, which you might skim by when you’re counting the money.

How can you avoid being scammed by counterfeit bills? Below are a few tips to help you.

Hold each bill up to the light. You should be able to see fibers, or threads, in the bills. Make sure you hold each one up, since some may be real and some may be counterfeit. You might feel silly at first, but it’s better to be safe than sorry!

What does the bill feel like? When you have a stack of bills, feel each one. Do any feel different than the others? Checking what the money feels like is one of the easiest ways to spot a counterfeit bill.

Think like a counterfeiter. Counterfeiters know better than to try and pass off fake bills at a bank. Counterfeiters typically try to launder counterfeit bills through fast-food restaurants, mall shops or other places where inexperienced teenagers won’t detect fake bills. If you’re a business owner, make sure all of your employees are trained on detecting counterfeit bills. Sometimes it helps to make sure they’ve seen and handled bills of different denominations. If you’re selling something on KSL or Craigslist or similar, make sure you’re wary of counterfeit bills.

Ask your banker. If you suspect something might be counterfeit, bring it to your banker’s attention. They likely have machines that help to detect fake bills and can check for you. Don’t try and hide it in a stack of bills.

Know your money. Visit the U.S. Bureau of Engraving and Printing and check out the different security features on each of the old and new bills. The more familiar you are with these, the more difficult it will be for a counterfeiter to fool you.

Check out other resources. The Secret Service provides background information about currency security you might be interested in checking out.

As always, be wary and don’t be afraid to question a bill you receive. If you have questions, come talk to a banker in any of our 14 branches or call us at 800-815-BANK.

Training Skills Series: Job aids and references Sep 25, 2014, 8:59 am By Heidi Carmack Pfaffroth

Guest post by Ken Burnett, VP/ Director of Training and Business Development, Bank of American Fork

This series is written from experience and is part of Bank of American Fork’s training program. The program embraces the philosophy that training is a skill-based job, and managers need to learn specific skills to be successful.

The purpose of this article is to teach you how to use job aids and references during training.  Start by considering an important question. Am I going to train to memory or to a job aid or reference? Or am I going to train to both? You’ll end up wasting time in the classroom if you train an employee to do a complex task that doesn’t happen frequently or is difficult without a job aid or reference. However, if the task is frequent enough and not difficult, the repetition of the task will move the performance of the task into long-term memory. If that’s the case, you’ll use classroom time to begin the process of setting the task to memory. Setting the task to memory requires repetition.

Back to tasks that require use of a job aid or reference. As a side note, job aids are instructions for how to perform a task, to be used while performing the task. A reference is listed data needed to perform a part of a task.

For example, a job aid would be a how-to document for entering a plane reservation including the steps to enter the plane reservation, and the reference would be the list of country codes. Both are valuable, but they are not the same thing. Top performers may not need the job aid because they are familiar with the task, but they likely still need the reference. 

After a job aid is developed, it is easy to simply attach it to a memo because the stimulus is clear (the employee knows when and where to perform the task), and the employee can complete the steps without practice or direction. Job aids without instruction can work fine if learners are already comfortable with the task, the task is not complex or the task happens frequently or isn’t critical. However it doesn’t work if the circumstances noted above change.    

Unfortunately employees are not usually trained on how to use job aids in situations where a task is new or complex. Without training centered on the job aid, employees often ignore the job aid, despite managers’ expectations that employees will be able to complete the task more easily if they follow the job aid. Job aids are tossed because they often appear to be too complex, perhaps even more complex than the job, itself. Let’s continue to talk about how to make this process work more effectively.

The following is a simple design process to help the training and the job aid complement each other. As you design the training, start with “What’s in it for the learner?” Next provide an overview of the process and expected performance. Then, you’re ready to get started training on the task itself. Most job aids should start with some sort of context. For example, answer, “Why am I doing this?” and “What does this accomplish?”

The job aid should conclude by describing a successful result. The advantage of doing the first of a series of job aids in a classroom is for learners to be able to ask questions. The ensuing dialogue helps the learning by allowing students to learn from each other

The best training approach will be to use the job aid with a simulation of the live environment.  There are memory chips in the finger tips. If the learner tries a task using the job aid that is close to how they will perform the task on the job, they will be comfortable performing the task on the job.     

The sections of the job aid may be a step-action table or cookbook-type job aids depending on the need. The how-to sections should be step-by-step tables using action words as instruction (e.g., enter, list, complete, etc.). Each step should be a separate task. The step should start with an action, include a statement of where the performer is in the task and conclude with a statement about what’s next.   

By practicing the task in a simulated environment, the associates gain confidence that they can perform the task using the job aid. You can then release similar job aids without training.

Job aids are critical to the performance of many tasks. Effectiveness is increased when you train with the job aid in the hands of the learner.

Ken also wrote a series for manager skills. What other business skills do you want to know more about? Tell us in the comments!

Ken Burnett is vice president/director of training and business development for Bank of American Fork. He is responsible for training more than 300 employees on a variety of topics, including coaching and feedback for dozens of senior managers within the organization.              

Bank of American Fork to match up to $20k for Westlake Marching Band trip

Bank of American Fork is, once again, reaching out to its community by opening an account in behalf of the Westlake Marching Band to get students to the Pearl Harbor Memorial Day parade in Pearl Harbor, Hawaii on December 7. The bank will match up to $20,000 in donations made to the account, making a potential $40,000 contribution towards the student fees to participate in the parade.

Executives at Bank of American Fork felt this opportunity for the Westlake Marching Band to participate in the Pearl Harbor Memorial Day parade should not be missed and are calling on the community to help.

“The Westlake Marching Band has been chosen to participate in a historical event because of their exceptional talent and hard work,” said Richard Beard, president of Bank of American Fork. “To think that they would have to miss out on such an opportunity is unfortunate, and we couldn’t let that happen. At Bank of American Fork, we know it’s important to support the communities that support us.”

Though each of the 140 students has committed almost $1000, they are seeking sources for the additional funds.  Bank of American Fork is asking community members to step up and donate so the bank can make the maximum $20,000 matching contribution.

Bank of American Fork is proud to sponsor its communities and proud to be a part of a community willing to help. Earlier this year, the community stepped up and raised funds for drug-sniffing canines for the American Fork Police Department, through a similar donation-matching program.

Donations can be made at any of the bank’s 14 branch locations through September 30. Donations are tax-deductible.

Improve your business credit score to secure financing Aug 14, 2014, 8:10 am By Heidi Carmack Pfaffroth

Guest post by Richard Gray

You’ve probably had your personal credit affect your ability to obtain credit—whether it helped or hindered—but have you spent much time considering your business credit score? You might know some principles for getting and keeping your personal credit score up and there are some principles that may also help your business. Businesses’ credit scores play a key role in securing financing. Do you know what your business’s credit score is? I’ve mentioned before some of the benefits to growing or starting your business now, and preparing for a loan by improving your credit score is a good start. Even if you don’t anticipate needing a loan for a few years, start now. It may take time to build credit.

If you’re one of the many business owners that recently chose Utah as a spot to start—since we’ve had some good attention about our business-friendly state—you probably haven’t had time to build up an adequate credit score. Or perhaps the recession hit your business hard, and you need to rebuild. Regardless, these are some ways to build credit so you’ll be ready when your business is ready to grow.

Analyze current credit reports. Request your business’s credit reports from various credit bureaus and pay attention to items that are poorly rated. Negative items may be due to mistakes, fraud, identity theft or outdated information. Work with credit bureaus to correct false information. If the negatives are accurate, be aware that they can stay on your credit report for up to seven years.[1]

Scores are given by business credit bureaus, including Dun & Bradstreet, Business Credit USA, Experian Business and Equifax Business. Business credit scores range from 0-100 with 75 or higher considered an excellent rating.[2] Scores are based on many factors, including whether or not bills are paid on time, the amount of available credit on bank lines of credit and credit cards, the length of time you’ve had a credit profile and the number of inquiries made on your credit profile.

Separate your business and personal scores. Sole proprietors or those in a partnership may have their personal credit information on their business credit report, and vice versa. Forming a corporation or LLC allows business and personal profiles to remain separate. If doing so doesn’t make sense for you, be sure to improve your personal credit score if necessary.

Pay off credit card balances. The percentage of people in the U.S. who carry a credit card balance is decreasing, which may be good for the long-term health of the economy and for those who have paid off balances. Experian states that decreasing the balance on your business credit cards can have an immediate impact on your business’s credit rating. If you must keep a balance, make sure it is less than 30 percent of your credit limit.[3]

Increase capital and assets. Credit is determined using a complex algorithm, a key part of which is how much worth your business has compared to its debt. By building up your assets and capital, you weight the ratio in your favor.[4]

Build credit before you need it. Begin building a business credit history by getting and using a business credit card. (Do not open too many credit cards, however, as this can decrease your score.) Once you’ve established a payment history, consider requesting an increase on your credit limit, even if you don’t need it. Once a higher limit is granted, don’t utilize it. Instead, keep a healthy credit-to-debt ratio that doesn’t push your balance too close to your credit limit.

Request credit-lending companies to report. Credit bureaus create business credit reports with information provided by creditors. The problem is that creditors are not required to send in such information.[5] When a lender extends credit to your business, ask that they report your payment history to credit bureaus. The more vendors that report a positive credit history to the agencies, the higher your business credit rating will be.[6]

Add credit references. One way to do this is to set up a profile with a credit score company. For example, you can set up a profile with Dun & Bradstreet, for a fee.[7] You can then add credit references, such as suppliers you’ve worked with, to support your business’s credit profile.[8]  Additionally, having a relationship with your lenders or creditors may make it easier for them to provide details about your track record with payments on loans, which brings me to my next tip.

Build relationships with your lenders. Get to know the employees—particularly the loan officers and managers—at your financial institution. Community banks are an especially good place to get to know your banker, as their lenders often have a say in loan decisions made by local approval boards.

Richard Gray is senior vice president of SBA lending at Bank of American Fork, Utah’s community bank leader, an Equal Housing Lender and Member FDIC. Richard also manages the bank’s Murray branch, and he has assisted local small businesses in obtaining SBA funding for more than 25 years. He served on the board of directors for nonprofit Kostopolus Dream Foundation and was the chairman for nonprofit Utah Microenterprise Loan Fund, Salt Lake City.

[2] Glass, David. “The ABCs of Business Credit,”

[4] Connor, Duncan. “How to improve your business credit score,”

[5] Glass, David. “The ABCs of Business Credit,”

[7] Spors, Kelly K. “Five Ways to Build Business Credit,”, 08/25/11.

[8] Spors, Kelly K. “Five Ways to Build Business Credit,”, 08/25/11.

Six keys to an effective strategic process Aug 07, 2014, 8:00 am By Heidi Carmack Pfaffroth

Guest post by Richard H. Tyson, President, CEObuilder

One of the most fundamental challenges in business is how to convert vision and strategy into reality. This is the essence of change management, and it is where every business owner or CEO faces his or her defining moment. The fact is, you can have incredible breakthrough business strategies, but if you are unable to successfully implement them, your days as a business leader are numbered—and your company’s existence is in jeopardy. 

Many experts teach the importance of strategic content. While this is essential, it is equally important for every leader to manage the process of strategy implementation. 

We naturally assume that execution will follow the development of strategic content, and that desired outcomes—like corporate culture change—correspondingly follow strong execution. Too often, however, this assumption is disrupted by a failure of leaders to understand and manage the process whereby their strategy is implemented.

My experience has been that successful strategic process almost always includes the following six steps: 

1. Catalyst for Change: Strategists must constantly assess and respond to customer needs, as well as keep a keen eye on how their competitors are responding to those needs. Such assessments and observations provide the catalyst for altering the status quo and the benefits of doing so. 

2. Compelling Vision: This is what leadership desires to accomplish—often a higher level of service, quality, performance or profitability—and how that vision responds to and addresses the catalyst for change. 

3. Collaboration: Collaboration with your executive team (and, where possible, with all employees) is imperative. In the collaboration phase, your ultimate objective is to develop the content of your new strategy and create buy-in so you can have success in step number four, compliance. 

4. Compliance: At this point, you must counter the natural resistance of stakeholders and others by being open to improvements, but absolutely resolute in your expectation that the strategy will move forward. From among those who are supportive, identify a champion or evangelist. This person should be someone with the time, energy and enthusiasm to focus attention on the initiatives or projects that grow out of strategy. By using a champion, CEOs will feel less isolated in taking on the challenges of implementing new strategies—and they will find that their ability to move rapidly from compliance to concurrence will be enhanced. 

5. Concurrence: At this stage, your team members will begin to express their understanding that the strategy actually works and that they approve of it. Continued attention to the actions necessary to implement and maintain strategy is critical here. If ignored, the last step of achieving real culture change will never be realized. 

6. Company Culture is Changed:
When the previous five steps are followed, leaders will find that eventually most, if not all, employees will extol the virtues of the strategy. They will not only attest to its effectiveness but will begin to express their feeling that the strategy is “who they are.” This is where your strategy has become your culture. Your people willingly adopt the sustaining actions required to keep the strategy intact. And you, as the leader, will have increased ability to extend your attentions elsewhere.

It is impossible to achieve the ultimate goal of having the strategy become the everyday culture of your business if you don’t move through each step of the model. A catalyst for change must establish the need to move forward from past strategies. That catalyst must be followed by a compelling vision of where a new innovative strategy will take the organization. 

Compelling visions are rarely achieved without the participation of key stakeholders working in a collaborative way. Collaboration leads to the development of a plan, for which compliance is demanded. Fine-tuning occurs until the plan begins to work. When it does, concurrence results. The concurrence phase is continually supported by diligent and determined engagement of both stakeholders and leaders until it becomes how business is done at your company. When stakeholders and other employees become self-governing in working the strategy, culture change has been achieved. 

Richard Tyson is the founder, principal owner and president of CEObuilder, which provides forums for consulting and coaching to executives in small businesses. For 21 years, CEObuilder has successfully brought about an outstanding financial return for CEO and executive clients through providing leading-edge content in the areas of strategizing, team-building, problem-solving and managing for results, as well as the use of proprietary learning and coaching.

How some of the latest technology can help your business run smoothly Aug 04, 2014, 7:30 am By Heidi Carmack Pfaffroth

With a steadily improving economy, your business may be picking up, and you might be looking for more ways to improve efficiency. If this sounds like you, or if you’ve ever wished you had more hours in the working day to get everything done, we may have solutions for you. Bank technology is ever-improving, and we have a suite of online products designed specifically to help you get everything done, more easily.

Below are some of the products and services we offer—when you check out this list, you might even find a service you didn’t know you need, but could make a big difference.

Online Business Banking

Online business banking is a free service that allows business customers to manage their business bank accounts using the internet from any location at any hour, day or night. We tailored our online business banking for businesses. It allows customers to do things like transfer funds, send ACH pay to employees and send money by wire transfer. You can grant customized account access to authorized staff, download our free security software and more. Read about more of these services below!

Positive Pay

Positive Pay is a unique fraud protection service available to online business banking users. It allows business customers like you to ensure that checks they have written are cashed by the correct parties and for the correct amounts. When you choose to use Positive Pay, the information you input electronically is compared against the check presented for payment at the bank, to make sure there’s a match. Fees apply.


ExpressDeposit is a remote deposit service that allows you to electronically deposit checks into their Bank of American Fork accounts without going to a branch. Deposits are made from any location with internet access by using a small check scanning device. This will save you the time and expense of going to a branch, and you can make deposits after branches are closed. Fees apply.

Non-Analyzed ACH and Wires

Non-analyzed ACH or wires provides small business customers who send minimal wires or process few ACHs the ability to send wires and initiate ACH items using online business banking. One of our online banking team members can visit you for training, and then you can save time and money by paying your employees from home. Fees apply.

Business Bill Pay

Business Bill Pay is a simple service that allows you to make payments via the internet to any checking account without writing a check. You can set this up by clicking the PowerPay tab when you log into your online business banking account.

SaveSmart Commercial

SaveSmart Commercial is a high interest-bearing savings account offered to businesses. Because you open and access it exclusively online you can earn more on your savings and manage it all from home or your business. Fees may apply.


ExpressCollect is an easy way for small businesses, non-profits and other organizations to accept online payments or donations directly from their customer’s bank account or with bank cards. This is ideal for organizations that do have access to or the need for an online shopping cart but want to provide the convenience of online payments or donations for their customers. This may benefit you and your managers by improving your cash flow because of timely deposits. Fees apply. Subject to approval.

At Bank of American Fork we have solutions for your business to save you time and money. Talk to one of our eBanking team members by calling 800-815-BANK or go to and find the “live chat” button on the top right corner.

When does it make cents to use ExpressCollect®? Jul 28, 2014, 8:56 am By Heidi Carmack Pfaffroth

Forget paper checks. Now you can accept online payments or donations directly from checking or savings accounts.

First off—here are just a few examples of businesses, organizations and groups that may benefit from using ExpressCollect to accept online payments directly from their customers’ bank accounts or credit cards:

• Home Owner Associations (HOAs)

• Charities or non-profit organizations that accept donations

• Landlords

• Dance studios that charge a monthly fee

• Daycare centers

• Business owners paying more than $600 per year in fees to collect payments

If this sounds like you, or if you’re a small-business owner looking to provide your customers with the convenience of online payments, we’ll tell you more. Bank of American Fork’s ExpressCollect is an online solution that allows businesses to accept online payments or donations directly from their customers’ bank accounts or credit cards. The service is ideal for organizations that do not have access to, or the need for, an online shopping cart but want to provide to their customers the convenience of online payment or donations.

ExpressCollect offers businesses a unique URL at which to accept customer payments and allows each business to customize its payment page with branding, including logos, color scheme and content. It does not require that you store sensitive transaction information on your network. Our professionals will walk you through the minimal amount of technical work required for setup.  

It’s an affordable, effective solution that makes collecting payments easier and more convenient for business owners and managers. It may even help business owners and managers to improve cash flow because of timely deposits.

For more information, or to apply for our ExpressCollect service, visit any Bank of American Fork branch or contact us at 1-800-815-BANK.

Training Skills Series: Performance assessment Jul 17, 2014, 8:13 am By Heidi Carmack Pfaffroth

Guest post by Ken Burnett, VP/ Director of Training and Business Development, Bank of American Fork

This series is written from experience and is part of Bank of American Fork’s training program. The program embraces the philosophy that training is a skill-based job, and managers need to learn specific skills to be successful.

As a training professional I am often told, “This associate needs training to support that initiative or new system or performance problem.”  Some expect that I will run back to my computer and write a fabulous training course that makes everyone feel great.  Unfortunately feeling great is not the same as improved performance.  To improve performance and not just do training, first start with assessment.

It is important to note that using the following to look at problems in performance differently will be a huge benefit to your organization, even if the performance assessment is not fully implemented each time.

Here’s how.

Once you have determined a new or existing task or tasks, determine the output of the task, and what quality measure is used to measure that output.  Unfortunately, some use arbitrary measures, so be certain that the metric has data behind it that can be verified.  For example, you may ask your employees to complete a stock trade and they report back with 100-percent accuracy.  The first question you should ask is, “How do you know that the trade is accurate?”  Use this question as a starting point to verify the metric.  In addition, you won’t have performance data to compare current performance for a new task, but you should have specific performance goals to use as a measurement. 

If performance is not meeting expectations, get both qualitative and quantitative data to determine the cause.  Training may be part of the answer, but you need to determine what the skill gap is before you begin to develop training.  The following chart lists types of performance issues, diagnostic tools and the appropriate remedy.

Performance Issue Responsibility for
Diagnostic Tool Appropriate Intervention
Motivation Business Function (e.g., sales operations etc.) Ask the employee to list their priorities.  If the item you think is an issue, and it isn’t mentioned, then the employee or the organization doesn’t think it is important .  The performance requirement must be supported by senior management and woven through the associate’s reward and recognition system.  Spot awards and public recognition can also be motivators. 
Aptitude Human Resources, Training Determine what about the employee’s situation is unique, and then address that issue. If the employee is not able to perform the task, they may need additional training.  If all the other factors work out, they may be on the wrong seat of the bus, or need a new bus. 
Skills and knowledge Training A test or observation to determine if the employee can perform the task.  It is also important to develop the perfect working environment to make sure it is a skill issue. Match the learning intervention (e.g., classroom self-paced, job aids) to the need.  During training, train the learner to refer to materials instead of having them try to memorize materials. 
Environment Business Function (e.g., sales operations etc.) Does the associate have the resources, technology and references necessary to perform the task? These usually take the longest to fix, because they can be big ticket items.  You may need to triage a short-term solution. 
Coaching and Feedback Business Function (e.g., sales operations etc.), Human Resources and Training How often does the employee receive specific actionable feedback from their manager regarding the performance of the task? Provide specific coaching and mentoring training.  Set specific expectations for the frequency of coaching and feedback.
Measures and Metrics Business Function (e.g., sales operations etc.) Does the employee know whether or not they completed the task correctly?  Is the feedback clear and specific? The measurement should be attainable, meaningful and visible to the associate.  Meeting or not meeting expected performance should have consequences. 


A couple of points before you think this process is too hard.  For a big project, you may do all the items on the chart.  For a smaller-scale project, you may only need to place a couple of phone calls or talk to a few employees to move forward.  If the conversations raise concerns, then you need to look at the whole picture of performance.  Remember, if any of the performance issues exist, you won’t get the performance you are looking for and the training won’t stick. 

Think of this as building a performance bridge to cover a skill gap.  The last step in performance assessment is making sure the bridge you are building fits into the road, or overall workflow.  If you built a solid bridge and attach it to a sandy mountainside, it will sink.  The questions you asked about the performance issue to fill the gap need to be asked of the overall workflow as well.  If the associate loves the task you are introducing, but hates the rest of their job, you still have performance issues that need to be resolved. 

The tremendous benefit to the organization is that after providing the performance assessment service a couple of times, you will be relied on by management for more than training.  You will be on your way to becoming a performance consultant—a critical person in any organization.    

Ken also wrote a series for manager skills. What other business skills do you want to know more about? Tell us in the comments!

Ken Burnett is vice president/director of training and business development for Bank of American Fork. He is responsible for training more than 300 employees on a variety of topics, including coaching and feedback for dozens of senior managers within the organization.

Inspired to reach higher, try harder and work smarter Jul 10, 2014, 10:09 am By Heidi Carmack Pfaffroth

Bank of American Fork was recently recognized as Best of State’s® 2014 Best Community Bank.

“The Best of State Awards were created to recognize outstanding individuals, organizations and businesses in Utah. By recognizing excellence in our community and sharing examples of success and triumph in so many worthy endeavors, we hope all will be inspired to reach a little higher, to try a little harder, and to work a little smarter for our dreams and goals,” (

Bank of American Forks is proud to be recognized as one of Utah’s outstanding businesses and this award does inspire us to reach higher, try harder and work smarter. We’re constantly working hard to figure out how to offer you safe financial services with exceptional care in an ever-changing economy and feedback is invaluable. We love to hear feedback from our customers and our communities. Being awarded Best of State is feedback that helps us remain committed to our purpose: strengthening individuals and communities.

We’re proud of our roots in offering loans to sheep ranchers in American Fork, Utah in 1913—the founders of Bank of American Fork reached higher, though, innovating and growing for the next 100 years. Not very many businesses survive for more than 100 years. Bank of American Fork did because its leaders were reaching higher, trying harder and are constantly working smarter. We’ll keep doing that, constantly evaluating and making sure we’re offering the products and services our communities need.

To see the full list of 2014 Best of State winners, visit To find out more about what we’re offering to your community, visit

New St. George branch! Jul 09, 2014, 8:10 am By Heidi Carmack Pfaffroth

Bank of American Fork’s locally-owned, locally-invested model a perfect fit for vibrant and growing St. George

On August 18 Bank of American Fork will open the doors to its new St. George branch at 335 East St. George Blvd. Bank of American Fork has operated a mortgage-loan office in St. George since last year. The bank’s commitment to small-town service has been a natural fit in the St. George community, and now Bank of American Fork will be able to offer the technology, products and services of a big bank to the consumers and business owners of the St. George area.

“Bank of American Fork is excited to offer community banking services to the people living in and businesses building up the St. George area,” said Richard Beard, president and CEO of Bank of American Fork. “We have a strong customer base in Washington County. We are excited to offer our customers, the community and business owners the big-city banking we’ve been building for more than 100 years. Our strong, locally-owned community bank will be valuable by providing personalized services to this vibrant area of Utah.”

The bank already has a mortgage-loan officer, Chris Palmer, and some additional associates in the mortgage-loan office that will work at the new branch. In addition, the bank has hired Bradley Stucki as branch manager, John Allen as a business development officer and Mike Draper as operations manager. Stucki and Allen bring years of Washington County experience to the new branch.

“I’m looking forward to being a part of the Bank of American Fork branch in St. George,” Stucki said. “I love Washington County and I’m pleased that we’ll be able to provide the services this community needs so we can be a vital part of the economy here.”

It’s rare for a business to last 100 years, and Bank of American Fork is still locally-owned and invested in the local economy. Its community-banking model has survived and thrived in the 14 communities it serves.

The new branch will open for business on August 18, and a grand opening will be held later in the month. You can reach the new office at 435-319-6900. For other questions, please feel free to call 800-815-BANK or visit us at .

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