A Different Kind of Banking
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Business Sense

The Decline of Community Banking?

Growing small businesses often require loans to help fund that growth. Big banks often shy away from lending to small businesses because those small loans are sometimes considered more trouble than they are worth. And because the larger banks are not embedded in the local community where those small businesses operate, they may not be aware of the unique circumstances that may support that business’s growth and ability to pay back the loan. 

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Interest Rates and Your Business

Low interest rates make business loans more affordable. As a result, companies generally borrow for expansion during periods of low rates, making repayments more comfortable. 

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Improved Card Security

By now, you will have noticed that many retailers and merchants have updated their card payment machines. The new machines take payments from chip-based debit and credit cards making payment transactions more secure than the old method of simply swiping the magnetic strip on the back of your card. 

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Phishing, Spoofing and Keylogging!

Mobile banking can be as safe and secure as it is convenient. But being aware of the vulnerabilities of this technology will help make your mobile banking even more secure. Change your passwords regularly and avoid accessing your mobile banking in coffee shops or airports. Start using your mobile devices security features such as lock-screen and fingerprint recognition. You should also avoid using public wifi networks for shopping or checking your bank balance – criminals have ways to “listen-in” on these open networks and gain access to your information.  

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Protect Business and Personal Accounts

FDIC reports indicate a continued increase in small business bank account takeovers that result in illegal money transfers from bank accounts. The most common cause of small businesses being vulnerable is simply lack of knowledge about how these things can happen. Without knowing about the common ways that electronic thieves can gain access to your account they sometimes fall for tricks like fake emails requesting account information or imposter websites that scam you into thinking they can be trusted. 

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New Year Planning

This is the time of year when many business owners relish the opportunity to take a fresh look at both their business and personal finances. 

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The Best Defense is a Good Offense

Identity theft is a sad reality in today's online world. Being both prepared and proactive are critical when trying to protect yourself from those looking to steal your identity. The best way to begin that process is by having a plan. If you are not already subscribed to an identity theft monitoring service, you may want to consider including one as part of your plan. Since an initial issue can develop rapidly into a much larger problem, costing you a lot of time and money to rectify.  

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On Fortune Magazine: Cybersecurity for Small Business

Small firms need cybersecurity companies that can provide affordable solutions.  

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The Recovery

Most Americans are feeling pretty good this spring. The economic outlook is the best it’s been in years and people have more money in their pockets.   

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Protect Your Business From Social Engineering Attacks

Social engineering is the art of manipulating people into revealing confidential details that criminals can then use to gain access to secure personal and business information. 

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