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Six Ways to Build Better Savings in 2023

Tucking money away in a savings account is a healthy habit that many people strive for each year. However, the best-laid plans don’t always come to fruition. A recent financial survey found that more than one in five working American adults fail to set aside any of their annual income for savings.More

Phishing and Other Online Scams

If you receive a suspicious email or text message, do NOT respond, do NOT click any links, and do NOT open attachments.
Do not sign on to your account from a link in a suspicious message.
Know that if Village Bank calls you about a suspicious transaction, we will not ask for your card PIN, access code, or your online banking password. If you are uncomfortable about a request for information, hang up and call our customer care team or the number on the back of your debit or credit card to verify the request.
Create a unique password for your email account and don’t share it with anyone. If scammers gain access to your email account, they may be able to reset your passwords for other websites and lock you out.

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Identity Protection Tips

Identity theft continues to be a growing threat in the United States. Keep your personal information safe by following these tips:

Store your Social Security card, passport, green card, financial documents, and unused credit, debit, or ATM cards in a secure location.
Never provide your personal or financial information to a caller unless you initiated the call or other communication.
Don’t send personal or financial information through email or text, as this is typically not secure.
Shred documents that contain sensitive information before discarding.
Sign up for online billing to easily and regularly monitor account activity.
Choose a secure password for online banking. Avoid using passwords with information a fraudster could easily find out, such as your child’s name or your street name. The most secure passwords have a combination of letters and numbers that are not easily detected. For added security, we recommend you change your password on a regular basis and avoid reusing passwords on multiple sites.
Review your credit report at least once a year to look for unauthorized accounts that are opened in your name. Consider freezing your credit to restrict access to your credit report to minimize the chance of identity thieves opening new accounts in your name.
Receive a free credit report from each of the three major credit bureaus at annualcreditreport.com.

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How to Spot Check Fraud

Businesses face any number of threats and challenges today that include economic uncertainties, rising costs, supply chain issues, finding qualified employees along with others. One threat most business owners never consider is the threat of fraudulent activity on their checking accounts.More

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Scams You Should Know About

Village Bank is committed to keeping our customers aware of possible threats to their personal information due to ongoing scams.

Here are a few examples of current scams:

Fake prizes, sweepstakes, gifts, lottery winnings: Communications of ‘winnings’ with ‘fees’ or ‘handling costs’ that must be sent in order to receive them.
IRS, FBI, or Government Officials: Emails, letters, text messages, or phone calls from ‘government agencies’ asking for personal information (SSN, DOB, account information), or instructing you to wire or send funds.
Debt Collection: Threatening calls from an aggressive debt collector – especially if you aren’t familiar with the loan they are referencing, or you know all of your payments are current.
“Phishing,” and Identity Theft: Strange or unfamiliar emails that want you to click on a link – don’t do it! They may ask for personal information and use it to apply for credit cards or accounts in your name. These ‘links’ may also contain malware designed to attack or lock your computer.

Protect your personal information! Never provide it unless you are certain of the source requesting it, and the reason you’re being asked for it.

Remember, this can happen to anyone.

Check out these helpful links to learn about scams, fraud, and online security:

If you are concerned in any way that you are being targeted by a scam, don’t hesitate to contact your branch bankers or our Customer Care Team at 866.806.9306 to help you assess the situation.

We are here to help.