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4 Ways to Spring Clean Your Finances

Posted On: March 6, 2024 by Home State Bank in: Personal Banking

As we quickly shift into Springtime, this time of year motivates many to participate in spring cleaning.

But Spring cleaning doesn’t have to stop with your old clothes, shoes, and emptying out that junk closet. Often overlooked, your finances should be added to your spring cleaning to-do list to ensure you’re on track with your goals and making life easier for yourself.

How do you spring clean your finances? Let’s take a look!

Consolidate Accounts....
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Tags: personal banking, personal savings, shred day, smart banking

Savings Club

Save Now, Enjoy Later

Posted On: January 22, 2024 by Home State Bank in: Personal Banking

Savings can be difficult, and nothing reminds us of this more than when the holiday season hits or we’re trying to save for a well-deserved vacation.

While intentions are always good, making sure to set aside the money can be the challenging. Not to mention the length of time it may take you to reach your savings goal.

At Home State Bank, we understand these challenges and wanted to make it easier for you to save. That’s why we created the Christmas and...

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Tags: Christmas club, personal savings, savings, Savings Clubs, Vacation Club

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Dedication to Financial Literacy

Posted On: August 4, 2023 by Home State Bank in: Community, Personal Banking

When it comes to financial literacy, Home State Bank is dedicated to bringing awareness and hands-on experience all year round to our customers and our whole community. While Home State Bank offers financial literacy support within our walls to our customers, we also want to

ensure everyone in our community has the opportunity to learn lifelong financial skills, such as how to manage, save, budget, and invest their money wisely.

Progress Through Partnerships

We’re...

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Tags: budgeting, Everfi, financial education, financial literacy, savings, zogo

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

FDIC

What Is FDIC Insurance?

Posted On: February 9, 2023 by Home State Bank in: Community, General, Personal Banking

You’ve likely seen the FDIC logo and heard of it but what is it actually and how does it work?

FDIC stands for Federal Deposit Insurance Corporation. The FDIC is an independent agency of the U.S. government that protects depositors (that’s you) against loss if an FDIC-insured bank should fail or close. While it is not common, it can happen. Understanding how FDIC insurance works is important.

It’s an added security for your money should something happen to...

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Tags: deposit insurance, fdic

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Love is in the Air for Scams

Posted On: February 6, 2023 by Home State Bank in: General, Personal Banking

Cyber attackers are opportunistic, and with Valentine's Day right around the corner, you can expect to see an increase in threats related to socially engineered relationships.

Virtual lunch dates, wine tastings, and chat rooms have created an easy way to put ourselves into a space where we cannot truly see the person on the other end of the keyboard. In addition, many people now use online dating applications and social networking sites to meet people with common interests.

In...

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Tags: financial security, scams, social scams

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