September 2022

Thursday, September 29, 2022 - 14:58

As recovery efforts continue in areas hit hard by mother nature’s recent bi-coastal punch, scammers are not far behind. They see tragedy as opportunity, and they'll use the devastation caused by severe storms — like Typhoon Merbok, Hurricane Fiona and now Hurricane Ian — to try to take advantage of those affected as well as of anyone who tries to help financially. That's why it's so important to know how to spot the scams that often follow natural disasters.

If you suffered damage from one of the recent storms: Scammers may approach you to clean up debris, pose as a government official, or offer to help you get aid for a fee. Walk away from anyone who demands personal information or money upfront. That’s always a scam. Find more on how to deal with and recover from disasters at ftc.gov/weatheremergencies.

If you want to donate to victims of the recent Hurricane: Here’s how to make sure your money goes to the people you want to help:

  • Don't assume that familiar-sounding names or messages posted on social media are legitimate. 
  • Donate to charities YOU know and trust and with a proven record of dealing with disasters.
  • Be cautious about giving to individuals on crowdfunding sites. It’s safest to give to someone you personally know and trust. 
  • If someone wants donations in cash, by gift card, by wiring money or cryptocurrency --- DON'T DO IT! Instead, pay by credit card, which offers more protections, or by check.

Learn more about how to avoid charity scams at ftc.gov/charity. And report charity or weather-related scams to the FTC: ReportFraud.ftc.gov.

 

Tuesday, September 20, 2022 - 09:01

TIPS: 

  1. You’ll have to verify your identity at least once on each device you sign in with, but as long as you check a box to “Remember You On This Device,” you won’t need to be sent another code in the future on that device.
  2. The code will always be 6 digits long.
  3. You can easily reset your password yourself if you forget it.

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Attention Bath State Bank App Users and Bank by Mouse Users:

Please note that we have a new design and link for our BSB online banking software. The new URL or subdomain for Bank by Mouse online banking software is https://my.BathStateBank.com. The link on our homepage (above) will be directed to this subdomain after clicking on Online Banking Login.

For mobile banking users, you will need to re-download the Bath State Bank app to your device from the Google Play Store or Apple App Store for free. If you are an App user, you may also visit our web site to click a direct link near the bottom of the homepage. In addition, a two-factor authentication will include your user name and password, and a prompt to enroll your email or cell phone for a verification code at each log in. Two factor authentication helps protect our customers from unauthorized access to digital banking accounts. Best of all, you can easily reset your password yourself if you forget it. How awesome is that?

If you experience any problems with this, please give us a call at 765-732-3022. We know that you’ll enjoy the new features to our enhanced online banking product.

Monday, September 12, 2022 - 09:18

Going “green” often means reducing carbon emissions, consuming less energy, or cleaning our water and air. But, have you thought about it in regards to saving your time as well? There are steps you can take with your finances to go “green” that might save you time, money and possibly reduce your carbon footprint!

Banking electronically: There are many ways to save yourself a trip to the Bank.

  • Sign up for electronic statements (eStatements). You can save a lot of trees by switching from paper copies, especially when inserts and envelopes are included. You can still download a digital copy of your statement to a secure location to have for your immediate access.
  • Use electronic bill pay versus paper checks. Set them to pay automatically to take the hassle out of paying bills.
  • Direct deposit your paycheck. You will receive your money faster and you will save a trip to the Bank.
  • Use mobile apps to deposit checks remotely. Ask us about our mobile apps or visit here for more information. It’s easy!
  • Transfer funds online. If you need to transfer funds from one account to another, do it online so you don’t have to drive to the Bank.
  • Set up account alerts. Alerts can be used for low balances to avoid overdrafts, and to keep track of your account activity, debit card usage, direct deposit notifications, password changes or unusual activity. If you are looking for a specific alert, sign-up for Bank by Mouse to set your alerts.

Safely recycle: Safely recycle your paperwork whenever possible, but be sure to destroy your financial information properly to maintain your financial privacy. Many communities sponsor secured shredding days. Check your local government’s web site.

Keep your financial records based on retention requirements. For example, the Internal Revenue Service (IRS) offers suggestions on how long to keep tax returns based on your tax filing situation. Be sure to save your digital records in a safe place.

Cancel junk mail: We often think of high tech ways to steal a person’s information, but mail theft is still a concern. Thieves may target mailboxes looking for pre-approved credit cards and insurance offers. According to the Federal Trade Commission (FTC), you can opt out of some junk mail for five years or sometimes permanently. This can save you the inconvenience of dealing with credit card theft, and you may help save a few trees.

These are some little changes can save you time and money, and make the world a little greener, too.   - FTC