‘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, but never receive payment. Recognize Warning […]
Online Shopping Scams – Holiday Edition Read More »
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 fact, the Federal Trade
Banks Never Ask That Read More »
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 budget & timeline Start by determining how much
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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 financial foundation so that
Money Management for Teens Read More »
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 to be less
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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 credit report from each of
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What is an HSA? An HSA is a tax-advantaged savings account designed to help individuals with high-deductible health plans (HDHPs) save for medical expenses. The funds in your HSA can be used to pay for a wide range of qualified medical expenses, including doctor visits, prescriptions, dental care, vision services, and more1. Key Benefits of
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So you can enjoy giving and receiving Gift cards can be a convenient present for the holidays and special occasions. While they seem simple, it is important that both the giver and the recipient read the details for each card to avoid any misunderstandings, and there might be additional policies set by the merchant or bank issuing
What you should know about gift cards Read More »
As of January 1, 2024, the bipartisan Corporate Transparency Act requires many companies doing business in the United States to report information about the individuals who ultimately own or control them. The law was passed to curb illicit finance and protect U.S. national security. Filing is simple, secure, and free of charge. Learn more about
Beneficial Ownership Read More »
Protecting Your Banking Information Knowledge is your best defense against fraud. Ireland Bank helps keep you informed and updated on what you can do to help protect yourself and your personal information. Checking Account Security Tips Debit Card Security Tips Regularly Review your Account Information Your Personal Identification Number (PIN) Practice Common-sense Security when using
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