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Fraudulent emails to steal financial data and identities are a significant security problem. Emails are a common way to spread harmful codes or to trick you into revealing your internet banking information. Don’t open emails from unknown senders. If you are in doubt about the source of an email, for example if you don’t recognize
Trouble in the Middle East, no resolution in the Ukraine, higher oil prices cutting into consumer discretionary income, and bank rates don’t move lower but head higher instead. Skittish markets usually push interest rates lower as investors move from higher risk assets such as stocks and place their funds in Treasuries, mortgage backed securities, and
Solon State Bank is a full service commercial bank. The bank was opened in Iowa in 1932. The bank has three branches in Iowa, in Solon, Tiffin and Ely. Solon State Bank has been FDIC insured since January 1, 1934. The bank is chartered as a Federal Reserve Non-member. Therefore the primary regulator is the
Your deposit account agreement states that it’s your responsibility to review your periodic statement and advise the bank of any errors. Generally, you have 30 days from the statement date to find the error and notify the bank.
If the loss occurred from a fraudulent endorsement with a check, State statutes typically allow up
An ATM card is a plastic card that looks like a credit card. It allows you to do the same things at a bank machine or Automatic Teller Machine (ATM) as you would at the bank itself.
Most banks and other financial institutions like credit unions offer ATM cards. They are usually connected to your
A temporary check is a check issued by a bank that has your typed information on it generally dispensed when you first open an account so you can quick access to account use. Banks do not normally charge for temporary checks. In order to receive a larger quantity of checks the bank will
Those seeking higher interest rates without the need for immediate liquidity can find very good rates of return with bank CDs. Generally, the more you save and the longer the term for the savings commitment, the higher the interest rate on the CD. But interest rates alone don’t always tell the whole story. Most local
Banks offer several different types of savings accounts from which a customer can choose. The bank certificate of deposit usually has the highest interest rate of all the bank products available. A certificate of deposit, or CD, is a financial instrument in which a bank customer deposits money the bank for a fixed period of
If your bank account has sizeable recurring fees in every monthly bank statement, it time to ascertain why those charges are being incurred and switch to a bank or bank account that better matches your needs. Some banks charge fees for the minimum balance levels, check copies, overdraft protection and others. Each of these bank
The Federal Reserve is the central banking system for the United States.
There are several locally based Southern Illinois mortgage lenders that offer a variety of mortgage loans with low mortgage rates to new borrowers throughout Southern Illinois. Southern Illinois mortgage loans and mortgage rates encompass many different types of loan options, from traditional 30 year fixed rate mortgages and refinance loans to low down payment FHA
American Bank & Trust is offering some of the highest CD rates in South Dakota. The American Bank & Trust is a home owned and managed bank that has been serving the area since the early 1900’s. Right now the bank is offering two of the highest CD rates for short term CDs in South
Mutual funds that hold and invest in shares of other mutual funds.
Bank of Texas has reduced their mortgage rates once again for purchase and refinance for the first week of June. Texas mortgage rates dropped to record lows in June following the path of the national mortgage market. Treasury rates started the move lower in June as economic data for the US turned lackluster. Mortgage rates
An extension of credit from a financial institution that is guaranteed by a Federal or State government entity to assist with tuition and other educational expenses. The government entity is responsible for paying the interest on the loan and paying the lender to manage it. The government entity also is responsible for the
Identity theft happens when someone gets your personal information and makes purchases, financial transactions and other unlawful activities under your name. Identity theft is a federal crime. The crime of identity theft is rising and can cost banks, financial institutions and consumer’s time and money.
Thieves steal and fraudulently use the names, addresses, social security
Data received by a creditor indicating that a credit applicant has not paid his or her accounts with other creditors according to the required terms.
Financial assistance provided to a bank or savings institution that is undercapitalized do to eroding earnings for loan losses, drop in value of investments held as a result of poor market conditions or a rapid loss outflow of deposits. The FDIC may bailout the depositors by infusion capital or the FDIC arrange for the
Building support in the US economy and local markets has pushed mortgage rates and credit card rates higher over the past week. Confidence in the housing market and the stronger jobs number, though it was shrouded in questions regarding the validity of the data, has provided some support for growth in the US economy. At
The list of best bank that made the top of the list for bank CD rates at the beginning of 2008 has changed fairly dramatically. Some of the changes are due to bank mergers, some are due to increased competition and some can be attributed to banks that are not in need of aggressively pursuing