Impersonation Scams: Know the Warning Signs Spot the Signs of an Impersonation Scam Scammers are always looking for new ways to appear legitimate, and knowing what to watch for can help you stay one step ahead. Impersonation scams are designed to make you believe you’re communicating with someone you can trust. A scammer may try
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Money Mule Scams Protect Yourself: Money Mule Scams Targeting Older Adults Fraudsters are targeting older adults in a growing scam known as a “money mule” scheme. Ireland Bank is sharing this alert to help you recognize the warning signs and protect yourself and your loved ones. What Is a Money Mule Scam? A money mule
Tips to Simplify the Homebuying Process Buying a home is a significant milestone, but for many, the journey to homeownership can feel overwhelming. From understanding mortgage options to navigating fluctuating interest rates, there are countless factors to consider. In recent years, millennials have taken the lead as the largest group of homebuyers, representing 33% of
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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! 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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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 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 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 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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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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