Protected: Financial Literacy
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Online Shopping Scams – Holiday Edition
Online Shopping Scams – Holiday Edition ‘Tis the Season to Avoid Online Shopping Scams In 2023, the FBI’s Internet Crime Complaint Center (IC3) reported that Americans lost $309 million to non-payment and non-delivery scams. In these scams, buyers pay for products or services online, but never receive them. Conversely, sellers ship goods or provide services,
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Banks Never Ask That
Banks Never Ask That! Can you spot a scam? Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank, a loved one, the government or law enforcement. And in this time of expanded use of online and mobile banking, the problem is only growing. In
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Bill Pay Upgrade
Personal Online Banking Bill Pay Upgrade We’re making it even easier to manage your bills! Our Personal Online Banking Bill Pay system is getting an upgrade to bring you a modern, mobile-first user experience! What’s New? ✔️ Improved user experience✔️ Simplified navigation✔️ Biller logo display✔️ Visible recipients What You Need to Know If you currently
Protect Yourself from Jugging
Protect Yourself from Jugging What is Jugging? Jugging involves a thief watching customers at a bank, ATM, or drive-thru, identifying someone withdrawing a large amount of cash, then following the victim to their next stop—like a store, gas station, or home—to steal the money. Who’s at Risk? While anyone can be targeted, jugging often focuses
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6 Tips to Save for Your Down Payment
6 Tips to Save for Your Down Payment Before you can make the transition from renting your home to owning your home, you will need to have a substantial down payment, typically 5 to 20 percent of the home’s value. The American Bankers Association suggests the following tips to help save for it: Develop a
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Money Management for Teens
Money Management for Teens Former Federal Reserve Chairman Alan Greenspan once stated, “Financial education is a process that should begin at an early age and continue throughout life. This cumulative process builds the skills necessary for making critical financial decisions.” At Ireland Bank we understand the importance of helping our community’s youth build a strong
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Understanding credit scores
Understanding Credit Scores What is a credit score? A credit score is a number that represents the risk a lender takes when you borrow money. Your credit score shows how likely you are to pay back money you borrow. Most credit scores range from 300 to 850. A higher credit score means you are predicted
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Improve your credit
Tips to Improve Your Credit Request a copy of your credit score report – and make sure it is correct Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for loans – such as a mortgage. Everyone is entitled to receive a free copy of their
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Understanding Romance Scams
Understanding Romance Scams: Protect Yourself from Fraud Romance scams are a growing concern that can leave individuals emotionally and financially devastated. These scams often begin online through dating apps or social media platforms, where scammers exploit the desire for love and companionship. According to the Federal Trade Commission (FTC), in 2023 alone, victims reported losing
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