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Shipping Scams

Package Delivery Scams

Posted On: December 6, 2022 by Home State Bank in: General, Personal Banking

Thinking Outside the Box

As shippers forecast another record year of holiday deliveries, scammers are ramping up their efforts to take advantage.

As the holiday's approach and deliveries adorn your porch, remain diligent in protecting yourself against package delivery scams. It’s become all too common to receive a text message from a contact alleged to be a carrier that says they were unable to deliver a package. The message might claim the package is from a friend...

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Tags: holiday scams, personal banking, scams, Text scams

Piggy Bank

From POOR to FAIR to GOOD and Climbing

Posted On: October 25, 2022 by Home State Bank in: Community, Personal Banking

It's hard to imagine light at the end of the tunnel when you are stuck in a bad place financially. I was in a place in my life where money didn't have meaning. You spent it the way you needed to and if you didn't have it, you charged it. When medical bills would roll in, I would toss them to the side because they were at the bottom of my priority list. They were turned over to collections time and time again, dropping my credit score more and more each time. 

Now,...

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Tags: Christmas club, credit score, financial success, personal banking, savings, testimonial

The Rise of the Robotexts

Rise of Robotexts

Posted On: September 12, 2022 by Home State Bank in: Personal Banking

When it comes to texting scams, the key is knowing how to respond - and when not to.

Scammers are always trying to find a way into your life. Just when anti-spam technology started to limit the number of robocalls we get (cut down by almost half over the past year), fraudsters started sneaking into our phones through another window — our text messages.

The Federal Communications Commission (FCC) recently reported that consumer complaints about unwanted texts...

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Tags: personal banking, scammers, scams, Text scams

Online Scams

5 Cyber Scams to Watch Out For

Posted On: June 14, 2022 by Home State Bank in: Community, Personal Banking

Scams have always been around. But with all our technological advances and less face-to-face interactions, it’s been easier for criminals to target those who may feel they are in vulnerable situations to take advantage of them.

And we don’t see scams going away. In fact, according to the Federal Bureau of Investigation’s 2021 Internet Crime Report both cybercrime and the amount of money lost to cybercrime rose.

Scammers will take advantage in any...

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Tags: cybersecurity, personal banking, safe banking, scams

Taxes

Impersonating Agents

Posted On: April 8, 2022 by Home State Bank in: General, Personal Banking

Tax time is stressful enough without having to worry about fake-IRS phishing schemes. The first day of spring may technically be in March, but those of us in the world of banking and finance can’t truly enjoy the sunshine, blooms, longer days, and warmer weather until Tax Day is squarely in the rearview. Whether you’re an early filer, procrastinator, or someone in between who’s been gradually gathering documents, compiling receipts, and crunching the numbers for three months,...

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Tags: online security, safe banking, tax season security, taxes

Vacation Club

Join Our Clubs and Start Saving Today!

Posted On: December 16, 2021 by Home State Bank in: Personal Banking, Services

How would it feel to not be strapped for cash for the holiday season?

How would it feel to take a fun family vacation without the worry of piling on credit card debt?

Home State Bank has the answers to both! Join our Vacation and/or Christmas Club and you can start saving today to avoid the worry of missing out or overspending.

The concept behind both these clubs is the simple savings rule: Out of sight, out of mind.

When you join both or either...

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Tags: christmas, christmas savings, personal banking, savings, vacation, vacation savings

Mobile Banking

Bank Anytime, Anywhere with Mobile Banking!

Posted On: December 7, 2021 by Home State Bank in: Community, Personal Banking

Effective January 1, 2022, Home State Bank will no longer have business hours on Saturdays.

This decision has been the result of a community-wide banking decision that all banks in Jefferson will be closed on Saturdays. While this is effective January 1, because of bank holiday dates, this will really go into effect December 18.

But don’t worry! This doesn’t mean you can’t still accomplish all your banking needs. All Saturday services can be completed through...

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Tags: bill pay, eStatements, online banking, online bill pay, personal banking, personal finance

Free Wi-Fi Isn’t Always Free

Free Wi-Fi Isn’t Always Free

Posted On: November 3, 2021 by Home State Bank in: General, Personal Banking

The Internet is always with us. We’ve become so used to jumping online at any given moment — whether it’s to look up directions, check work email, or post a photo — that we don’t even think about it. But in virtual life, as in real life, the moment you let your guard down, you become vulnerable to bad actors who are just waiting to take advantage.

Free Wi-Fi at your local coffee shop, library, hotel, or airport is great for keeping you plugged in when you’re...

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Tags: debit card, Fraud Protection, online banking, personal finance, security, wifi

Meet Brella: The Newest Member of Your Debit Card Security Team

Meet Brella: The Newest Member of Your Debit Card Security Team

Posted On: October 12, 2021 by Home State Bank in: Personal Banking

Life can be full of surprises, but finding out your debit card is on a shopping spree without you is not one of those surprises you want to experience.

Home State Bank is excited to announce the newest member of your debit card security team - the Brella App!

Brella is a free mobile app that lets you manage your debit card when and where you want without needing to call the bank (don’t worry, you can still call us, too!).

One simple login on your phone and you...

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Tags: app, Brella, card management, debit card, security

Your College Financial Freedom Checklist

Your College Financial Freedom Checklist

Posted On: September 26, 2021 by Home State Bank in: Personal Banking

School is here and if you’re attending college, you’re probably going to be in charge of more of your finances with your newfound independence.

Taking on more financial responsibility is a great way to learn about money, saving, budgeting, and more, but it can also be easy to get distracted and find yourself in over your head.

College is the perfect time to develop lifelong financial skills and explore what works for you and what doesn’t.

It’s...

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Tags: college, personal banking, personal finance, smart banking