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  • Cyber Security Tips

    • Change your password on a regular basis, and use the same complex password guidelines you use at work.
    • Get in the habit to change your passwords on your personal accounts when you are required to change your passwords at work.
    • Always enable a passcode on your mobile devices.
    • Don't use the same user ids and passwords on all your e-banking and/or favorite shopping sites.
    • Consider using a separate email account for electronic banking business - separate from the one you use for general emailing, internet inquiries, social media, and shopping.
    • Limit the amount of personal information you post on social media.
    • Be sure to have some form of anti-virus protection on your computer.
    • Keep your operating software and anti-virus up to date to take advantage of the most recent updates which address known vulnerabilities.
    • Pay close attention to website URLs. For instance, fraudsters often use common misspellings or may change the URL extension from .com to .net to redirect you to a fraudulent site.
    • If you have a laptop consider investing in an anti-theft software and/or encryption software.
    • Always be cautious of any downloads and hyperlinks - know where you are going.
  • Money Management Tips for College Students

    The American Bankers Association offers the following tips to help college students form a strong foundation for money management:

    1. Create a budget. You’re an adult now and are responsible for managing your own finances. The first step is to create a realistic budget or plan and stick to it.

    2. Watch spending. Keep receipts and track spending in a notebook. Pace spending and increase saving by cutting unnecessary expenses like eating out or shopping so that your money can last throughout the semester.

    3. Use credit wisely. Understand the responsibilities and benefits of credit. Use it, but don’t abuse it. How you handle your credit in college could affect you well after graduation. Shop around for a card that best suits your needs.

    4. Take advantage of your bank’s resources. Most banks offer online, mobile and text banking tools to manage your account night and day. Use these tools to check balances, pay bills, deposit checks and monitor transaction history.

    5. Lookout for money. There's a lot of money available for students -- you just have to look for it. Apply for scholarships, and look for student discounts or other deals.

    6. Buy used. Consider buying used books or ordering them online. Buying books can become expensive and often used books are in just as good of shape as new ones.

    7. Entertain on a budget. Limit your “hanging out” fund. There are lots of fun activities to keep you busy in college and many are free for students. Get the most from your student ID. Use your meal plan or sample new recipes instead of eating out.

    8. Use only your bank’s ATMs. Avoid fees by using ATMs owned by or affiliated with your bank. If you must use an ATM that is not affiliated with your bank, take out larger withdrawals to avoid having to go back multiple times.

    9. Expect the unexpected. Things happen, and it's important that you are financially prepared when your car or computer breaks down or you have to buy an unexpected bus ticket home. You should start putting some money away immediately, no matter how small the amount.

    10. Ask. This is a learning experience, so if you need help, ask. Your parents or your bank are a good place to start, and remember—the sooner the better.

    For more tips and resources on a variety of personal finance topics such as mortgages, credit cards, protecting your identity and saving for college, visit www.aba.com/Consumers 

  • Newest Security Breach

    In case you haven’t heard Hold Security is reporting a Russian gang hacked multiple websites, amassing username/password combinations & millions of email addresses. This is a good reminder to be on a good routine of changing your passwords and having multiple email accounts for different functions.

    For more information visit we have provided links to resources below.

  • Notice of Expiration of the Temporary Full FDIC Insurance Coverage

    NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

    By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.   

    For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

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