Adults

From Moo-Money to Mobile: Fun History of Money and Banking

From Moo-Money to Mobile: Fun History of Money and Banking

In the Beginning…There Was Ancient Money   Historians believe Cattle were the first early form of money  and have found evidence dating as far back as 9000 BC.   The first coins date back to 2000 BC in the Bronze Age where they were shaped like cattle.   In the 12th Century during the Crusades, [...]

How to Avoid Overdraft Fees

How to Avoid Overdraft Fees

We receive many phone calls from customers who have overdrawn their accounts. One common complaint I’ve heard is that customers use a register booklet AND our online services regularly, but still managed to incur overdraft fees. Entering any information manually is never easy. Truth be told, I’ve avoided using a register for years. Unfortunately, as [...]

Know Before You Go: Mortgage or Home Equity Loan Approvals

Know Before You Go: Mortgage or Home Equity Loan Approvals

When applying for a mortgage or home equity loan or line, there are some equations that come into play. Here are the most common factors that will be calculated to determine your credit worthiness.   Loan to Value Loan to Value (LTV), is a percentage of what you owe compared to the home market value. [...]

How a Home Equity Credit Line Works

How a Home Equity Credit Line Works

A home equity credit line, often called a HECL or HELOC, is a revolving line of credit that is secured by a lien placed against your home. Often, customers ask how a HECL differs from its sister, the home equity loan. When you get a HECL, you are approved to use it to a specific [...]

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