Does that call, text, or email seem to be a scam to you? Look for these red flags. Scammers are best avoided by having a strong defense. Make sure your accounts are secured before scammers strike. What is fishing and what should you do in the event of a scam. It is possible you have been a victim of a scam. Take steps to make things better moving forward. Don’t miss out on this post.
Business and bank closures associated with the COVID-19 pandemic have significantly disrupted the supply chain and normal circulation patterns for U.S. coins. While there is an adequate overall amount of coins in the economy, the slowed pace of circulation has reduced available inventories in some areas of the country. The Federal Reserve is working with…
Tips to Avoid Coronavirus Scams and Protect Your Money Unfortunately, fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn about the common scams and what you can do to protect yourself. Common Scams 10 Tips to Avoid Becoming a Victim Watch out for phishing scams. Phishing scams use fraudulent emails, texts,…
We often hear phrases such as “protect your working capital”, or “watch your liquidity”, or “cash is king”, when referring to short-term financial analysis of a farm business. All of these terms generally refer to the “working capital” of a farm business. A significant decline in working capital in a farm operation can lead to…
Malicious malware and scammers are constantly finding different ways to reach their targets. Whether it is via text scams (Smishing) or voice phone calls (Vishing), it is wise to educate yourself and be smart about what actions you take. As always, the first line of defense against cyber attacks is the user. SMS or Text…
Please pay close attention to this notice if you have a loan at Heritage Bank NA with an Escrow Account….. Our loans with escrow accounts are analyzed once per year to make sure we have sufficient funds to pay taxes and insurance throughout the year. This affects customer payments starting with the July mortgage payment. …
Normally by mid-April, midwest farmers have either begun spring fieldwork, or are within days of the beginning of the planting season for the year. However, 2018 seems to be the “Winter that never ends,” as another major snowstorm hit Minnesota and surrounding States this past weekend. Temperatures have been extremely cold during the first half…
Did you know, thanks to the passage of legislation this year, people who want to save for a down payment on their first home in Minnesota and Iowa can now take advantage of a First-Time Homebuyer Savings Account? The Minnesota Bankers Association worked with a broad coalition of interest groups at the state Capitol to…
As people start heading off to vacations in different places, there are a few things everyone should remember when it comes to keeping your spending money safe on vacation. Click “Manage Cards” on our Digital Banking and that provides the ability to turn your debit card off and on and actively manage your usage by…
It’s cold outside, winter is here, we’ve wrapped up the Holidays and less people are out and about. Yes, this is all true because we live in the midwest! So how do the winter months affect the housing market and what does that mean for you as a buyer? Have you ever heard this said,…
Credit Professionals like Travis Jones must keep in tune with ever-changing credit environment [SPICER, MN] – Heritage Bank is proud to announce that Travis Jones, CRC, passed the Credit Risk Certification test through the Risk Management Association. The exam covered seven broad areas of credit risk assessment. This new knowledge allows Travis to work on…
Securing Your Home Network A protected home network means your family can use the Internet safely and securely. Most households now run networks of devices linked to the Internet, including computers, laptops, gaming devices, TVs, tablets, and smartphones that access wireless networks. To protect your home network and your family, you need to have the…
STOP. THINK. CONNECT. is simple, actionable advice that everyone can follow to stay safer and more secure online. STOP: Before you use the Internet, take time to understand the risks and learn how to spot potential problems. THINK: Take a moment to be certain the path ahead is clear. Watch for warning signs and consider…
The Federal Trade Commission has announced the launch of a new website, IdentityTheft.gov, a resource that makes it easier for victims to report and recover from identity theft. The new website provides an interactive checklist that walks people through the recovery process and helps them understand which recovery steps should be taken upon learning their…
As a valued credit cardmember of Heritage Bank NA, we are excited to announce that you can now use Apple Pay! With a single tap it’s possible to make secure, mobile payments at over 220,000 locations. Apple Pay is a mobile payments technology that allows you to make a purchase with an iPhone® 6, the…
Another monthly security tip from Shazam and ShazamSecure: You’ve probably heard terms such as “bots,”“botnets” and “zombies” in recent news stories about data breaches and other cybersecurity risks. But what exactly are they, how do they work and what damage can they cause? A bot, short for robot, is a type of software application or…
10 tips to ‘green’ your home and $ave money… brought to you by the American Bankers Association and Heritage Bank. Location, location, location efficiency. Carefully consider the location of your home. If you’re close to work, shopping and entertainment, you may not need a car. Without a car you would save money on gas, car…
Netflix subscribers beware: There’s a scheme floating around the Internet that you should watch out for. If you’re not careful, you could end up about $400 poorer ane with a stolen identity. — by Alyssa Bereznak, Yahoo Tech March 3, 2014 It works like this: A group of scammers purporting to be Netflix tech support…
Simple measures can protect users from loss of device or identity theft — by Victoria Stunt, CBC News March 5, 2014 Smartphones carry an abundance of private information, enough to compromise bank accounts or pave the way for identity theft. Yet smartphones users often have their devices out in the open, risking theft or having the…
As we look ahead toward the cyberthreats facing us this year, some key challenges will result from the advancements in technology that are becoming part of our daily lives. Ranging from the Internet of Things to online currencies, devices and systems have never been more interconnected. Before we adopt these new technologies, we need to…
