FEBRUARY 2024 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES ¡ Photo News: Legends Bank gives local charities a real shot ¡ The Checklist: 5 tips for launching a successful mentoring program ¡ Rising Interest: The community banker's five‑year plan ¡ In My Spare Time: James Sills and Josh Pape 10 36 PORTFOLIO 20 Parsing the proliferation of payments Curate your payments offerings based on customers' needs. 24 Schooling customers on student loan fraud What customers need to know as student loan payments resume 80 CONNECTIONS 70 Trailblazer SouthState Bank is removing barriers to homeownership through its new program. 74 Community Spirit Countybank and its foundation help fund local organizations. 76 Member Benefits Be proactive with your crisis preparedness plan. 78 Listen Up Discussing talent retention and professional accomplishments with two 40 Under 40 winners 80 Out of Office Curtis Anderson collects a wide variety of vintage vending and self‑service machines. 28 Sharing the load with participation loans Weighing the benefits and risks of participation loans 27 Innovation Station Convening with the spirit of more 31 Final updates to debit card rules are here Learn about their importance. 34 Leadership at All Levels Developing drive 36 What makes a good manager? Leadership requires both communication and enthusiasm. 40 Portfolio Management A look at 2024's bond market 42 Checks & Balances ICBA's 2024 advocacy priorities Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // February 2024http://www.youtube.com/user/communitybankchannel http://www.youtube.com/user/communitybankchannel http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba