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Archive - March 2023

IRS Scams

How to Spot IRS Scams

Posted On: March 18, 2023 by Home State Bank in: Community, General, Personal Banking

Tax time is upon us, a sign that phishing season has begun.

The IRS states that scams may differ in themes, but generally, they have two traits:

They appear to come from a known or trusted source, such as a colleague, bank, credit card company, cloud storage provider, tax software provider, or even the IRS. They tell a story, often with an urgent tone, to trick the receiver into opening a link or attachment. VISHING (Phone Phishing)

Criminals continue to make aggressive...

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Tags: financial safety, IRS Scams, phone scams, scams, Text scams

Everything about Escrow

What is a Mortgage Escrow Account?

Posted On: March 7, 2023 by Home State Bank in: Home Mortgage

You’ve likely heard of an escrow account, especially if you have a home mortgage. But if you don’t have a home mortgage, or you don’t quite fully understand your current escrow, we’ve put together the following to help you better understand the ins and outs of it.

What is a mortgage escrow account?

When you own a home, you're responsible for additional home-related expenses like property taxes and insurance. Escrow accounts help you plan...

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Tags: escrow, escrow account, home mortgage, mortgage escrow