A Different Kind of Banking
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Business Sense

Online Security Tips

It happens to thousands of people every day. Identity theft and financial fraud are occurring with increased regularity as criminals invent new ways to get past current security measures. However, it is reassuring to know there are some simple things you can do to minimize your risk. 

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3rd Annual Food and Clothing Drive

Collecting non-perishable food, toiletries, gently used clothing, and Walmart gift cards. The Upper Tampa Bay Chamber of Commerce, The City of Oldsmar and Project Pop Drop, will deliver your donations to Oldsmar Cares on Saturday, June 30th. 

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Morning Mingles at Flagship

Flagship Community Bank (Oldsmar) hosted the March 2018 Upper Tampa Bay Morning Mingle. The event was considered a huge success! Amici's Catered Cuisine helped us out with delicious breakfast sandwiches (donated) 

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Tax Time Fraud

Tax season is here again and unfortunately, that means tax scammers may target you. Please take a moment to read over the excellent article on CNBC (link below) that outlines many of the ways that thieves use at tax time to rob you of your identity and your cash. 

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Is Your Personal Information Safe?

The recent data breach at Equifax has exposed millions of consumers’ private information such as social security numbers, credit card numbers, birth dates, and even driver’s license numbers. Equifax has confirmed the data breach lasted almost three months, from mid-May through July.  

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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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