All Vehicle Loan Special! - First Community Bank of Galena
All Vehicle Loan Special! - First Community Bank of Galena
Summer 2013 A newsletter for customers and neighbors of Apple River State Bank and First Community Bank of Galena All Vehicle Loan Special! 2.99 APR* % on 20 1 or 20 2, 2013 1 4 veh for up to 65 icles month s. In celebration of our 65th anniversary, we are offering a special rate on many consumer vehicles. Rates haven't been this low in years. Now is the time if you've been waiting for a new car, truck, RV, boat or motorcycle. You may also save hundreds by refinancing your current vehicle loan. *The Annual Percentage Rate (APR) that you would be charged is based on your loan-to-value and credit worthiness. Loan is subject to credit approval. Terms and conditions are subject to change without notice. Some restrictions apply and may not be combined with other offers. Bank Awards Scholarships To Area Students Apple River State Bank and First Community Bank of Galena recently awarded $1,000 college scholarships to four area high school graduates. Congratulations to our award recipients and best wishes for the future! Galena High School River Ridge High School Scales Mound High School Warren High School Anna Gerlich, daughter of Marvin and Kathy Gerlich Sam Veltkamp, son of Lee and Gwen Veltkamp Jordan Wienen, daughter of John and Karen Wienen Susanna Thompson, daughter of Steve and Marcia Thompson Lynn Berning Nikki Frank We’re here to help when it comes to mortgage lending Borrowing money for your home can be intimidating. The same holds true when it comes to refinancing, which means you may be paying hundreds, if not thousands, of dollars more in interest than need be. Valerie Stocks To get pre-qualified for your real estate loan, contact Lynn Berning or Nikki Frank at (815) 777-6300 or Valerie Stocks at (815) 745-2194. Unsure if it’s worth your while to refinance? We’ll provide a free analysis of your current mortgage loan and tell you if it makes sense to refinance. We offer a wide array of real estate financing options— From application to loan closing, we’ll help you every whether you are buying, building or refinancing your home. We can also provide financing for that special step of the way to make the process as simple as home project. can be. Call any of our mortgage lenders and they will help complete the application forms. Staff news On the Go? Go Mobile. Join us in welcoming these staff members to their new positions. Laura Busch Customer Service Representative Warren Office Shannon Hoppe Receptionist First Community Bank of Galena I need to transfer $500 to my savings account. Did check #987 clear my account? Mobile Banking is here! Access your account information from any mobile phone using text messaging, mobile web, or smart phone app. Signup is easy. Simply visit your Online Banking account at AppleRiverStateBank.com. What’s my checking balance? Avoiding Scams: Sticking to the Basics Can Go a Long Way There is plenty of information available to consumers to help avoid being a fraud or theft victim. Here's a short list of simple ways to avoid many financial crimes. Never provide passwords, credit or debit card information, Social Security numbers and similar personal information in response to an unsolicited text message, e-mail, call or letter. An identity thief can use this information to apply for credit cards or loans, access your bank accounts online or otherwise commit fraud using your name. accurate. Instead, find the telephone number, Web site or e-mail address from an independent, reliable source. For guidance on whether a bank or bank Web site is legitimate, you can call the FDIC at 1-877-275-3342 or use Bank Find, our online directory of FDIC-insured institutions that provides Web sites, at http://research.fdic.gov/bankfind. Deal only with reputable merchants, service providers and charities. Friends and family may be able to provide recommendations. You can search for complaints against a Crooks often send e-mails, text business by contacting your state or messages or phone messages that local consumer affairs office appear to be from a legitimate, trusted (www.consumeraction.gov/state.shtml) organization asking consumers to and your local Better Business Bureau "verify" or "update" personal (www.bbbonline.com). There also are information. The scam is called phishing popular sites on the Internet for (pronounced "fishing") because the consumer ratings and reviews of criminals throw out bait in hopes of businesses. luring a consumer into biting. Fraud artists also claim to be from Criminals also create bogus Web sites legitimate charitable organizations — in hopes that consumers will enter especially after a major disaster — and valuable personal information. Some of ask for "donations." The Better sites offer incredibly low prices or other Business Bureau's Wise Giving Alliance enticing promotions. Always be (www.give.org) and other organizations suspicious of these types of requests can help you find legitimate charities because a legitimate organization would with good reputations. not solicit updates in an unsecured Be on guard against counterfeit manner for information it already has. checks, cashier's checks or money Think twice before opening orders. These often are associated with attachments or clicking on links in scams that say you have won a lottery unsolicited e-mails and text or other prize, are bogus work-frommessages. These messages may home offers, or are attempts to steal install "malware" (malicious software) something you are selling on the on your computer or cellphone. Internet. They can also be associated with offers to purchase items you are To confirm a message's validity, contact selling online or through classified ads. the supposed sender. Don't Be especially leery if you get a check automatically assume the contact for more than the amount due and information listed in the e-mail is you're instructed to return the difference Source: FDIC Consumer News by depositing the check and wiring the excess amount to the other party's account or to an associate. If the check turns out to be counterfeit, you will be out the money regardless of whether you sent a check, wire or cash. Be wary of unsolicited investment offers that sound too good to pass up or that require you to act fast. Statements about low-risk investments with “guaranteed returns” that are unusually high are red flags. Walk away from any offer that involves pressure to pay cash or provide personal information right away. Protect your mail and other documents at home. Thieves know that credit card or bank statements and other documents contain valuable, confidential information. Try to use a secure mailbox for your incoming mail. Keep bank and credit card statements, tax returns, credit and debit cards and blank checks secure, even at home. Also shred sensitive documents before discarding them. Similarly, use an updated security program to protect your computer. Look at your bank statements and credit card bills as soon as they arrive. Immediately report any discrepancy or anything suspicious, such as an unauthorized withdrawal or charge, to your financial institution. Periodically review your credit reports and dispute any inaccurate information, which could indicate identity theft. You are entitled to a free copy from each of the nation's three major credit bureaus every 12 months. To request a credit report, go to www.AnnualCreditReport.com or call toll-free 1-877-322-8228. Find an ATM near you Our network of 20 ATMs may be one of the largest, if not the largest, in Jo Daviess County. That means our customers have ready access to cash without having to worry about expensive surcharges. If you are not already a customer, come to Apple River State Bank and First Community Bank of Galena and enjoy the convenience. Visit AppleRiverStateBank.com for our ATM locations or scan this code with a mobile QR reader: Member FDIC Join the Club! • Trips • Card Parties • Bingo • Dinner Theatre • and More! Hundreds of people belong to the Community Club at First Community Bank of Galena and Apple River State Bank. For a list of upcoming Community Club events, visit AppleRiverStateBank.com/ccc.htm Call LaVonne Ohms today at (815) 777-6300 for more details or to join this exciting club.