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MEMBER FDIC
The financial reform bill of 2010 has made the increase in FDIC insurance to $250,000 per depositor permanent.
Home State Bank Achieves Highest Rating
March 2010: In these tough economic times, it is important to know there are financial institutions that are strong, secure, and ready and able to assist their communities. Home State Bank, Royal, Iowa is one such institution – dedicated to getting Main Street back on its feet. Since it exhibits overall financial superiority in such areas as: capital adequacy, delinquent loan levels and profitability, BauerFinancial, Inc., Coral Gables, Florida is proud to bestow its highest 5-Star Superior rating upon Home State Bank. In fact, this marks the 85th consecutive quarter that Home State Bank has earned this distinction. Only 3% of the nation’s banks can claim that.
“The unstable economic picture, both on Wall Street and on Main Street, makes it all the more important to recognize those financial institutions that are strong and stable,” remarks Karen L. Dorway, president of BauerFinancial. “The institutions that played by the rules and did not compromise their lending standards are the same institutions that stand ready to help build the economy back up. Home State Bank is an excellent example of this community spirit.”
Established in 1915, Home State Bank has been serving the banking needs of its neighbors and friends for 95 years. It operates through conveniently located offices on Third Avenue in Royal and can be found on the internet at www.hsbroyal.com.
Home State Bank: “The Bank of Generations.”
BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain star-ratings by visiting www.bauerfinancial.com.
IMPORTANT NOTICE!!!
Beginning January 1st, 2010, Home State Bank will no longer participate in the FDIC’s Transaction Guarantee Program. Thus, after December 31st, 2009, funds held in non-interest bearing transaction accounts will no longer be guarenteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s General Deposit Insurance rules.
E-mail Claiming to Be From the FDIC
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of a fraudulent e-mail that has the appearance of being sent from the FDIC.
The subject line of the e-mail states: “check your Bank Deposit Insurance Coverage.” The e-mail tells recipients that, "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.”
The e-mail then asks recipients to “visit the official FDIC website and perform the following steps to check your Deposit Insurance Coverage” (a fraudulent link is provided). It then instructs recipients to “download and open your personal FDIC Insurance File to check your Deposit Insurance Coverage.”
This e-mail and associated Web site are fraudulent. Recipients should consider the intent of this e-mail as an attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to on-line banking services or to conduct identity theft.
The FDIC does not issue unsolicited e-mails to consumers. Financial institutions and consumers should NOT follow the link in the fraudulent e-mail.
If you have any questions regarding this issue, please feel free to contact the bank.
Home State Bank: A Model Community Bank
October 2009: Mr. Larry Olson, CEO of Home State Bank, Royal, Iowa proudly accepts a distinguished 5-Star Superior rating from BAUERFINANCIAL, Inc., Coral Gables, Florida. A 5-Star rating for financial strength and stability is the highest rating attainable from BAUERFINANCIAL (the Nation’s Bank Rating Firm for over a quarter of a century) and is based on the overall financial condition of the bank.
Earning a 5-Star rating denotes that Home State Bank is one of the strongest banks in the nation. Achieving this designation for 83 consecutive quarters, like Home State Bank has, is an even higher honor. In fact, only 3% of the nation’s banks have earned this Superior 5-Star rating 83 consecutive times.
“There’s an old adage that says no press is bad press, but if you’ve seen the banking news over the past year or two, you know this isn’t always true,” notes Karen L. Dorway, president of BAUERFINANCIAL. “That’s why it’s so important today to share some good banking news, and Home State Bank makes it easy. Home State Bank is a model community bank. You should be proud to call it Your Bank.”
Home State Bank was established in 1915 and has been serving the banking needs of its neighbors and friends for 94 years. It operates through conveniently located offices on Third Avenue in Royal and can be found on the internet at www.hsbroyal.com.
Home State Bank: “The Bank of Generations.”
BAUERFINANCIAL, INC., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays for its rating, nor can it be eluded. Consumers may obtain star-ratings by visiting www.bauerfinancial.com.
TIPS TO AVOID BECOMING A VICTIM OF IDENTITY THEFT
- Keep passwords secure and always shred documents that contain any sensitive information.
- Do not carry your social security card with you.
- Sign the back of your debit and/or credit cards.
- Never provide a caller with your personal information such as your date of birth or your social security number. This information is not a requirement for placing an order at an e-commerce web site.
- Never give any of your personal information to anyone you don’t know or trust.
- Take advantage of home banking services, such as online banking. By using these services, you can avoid sensitive information being left in your mailbox.
- Know who you are dealing with before providing and confirming any personal information to mail order, telephone or internet merchants.
- Review your bank statements each month and know your billing cycles. If you know you have a bill due and you haven’t seen the bill, call the company to investigate.
- Review your credit report annually to see if anything seems unusual, for example, like an account you didn’t open or charges you didn’t make. You are entitled to one free credit report a year.
MY IDENTITY HAS BEEN STOLEN, NOW WHAT DO I DO!?!?
If this happens to you, here are some steps to help you get your life back on track:
- Place a fraud alert on your credit report.
a. When you place an alert on your credit, this will prevent any other account from being opened.
b. You can request a report to see if any charges seem suspicious. - Close the accounts you think could be affected.
a. Contact someone in the fraud or security department of your financial institution.
b. Follow up in writing with copies of any supporting documents.
c. If any debits exist on your accounts, or a new account has been opened, ask the financial institution for the correct paperwork to dispute them. - File a complaint with the Federal Trade Commission (FTC)
a. When you file with the FTC, you are providing information to help law enforcement officials track down thieves. - File a report with the local police department
a. Filing a report, along with a complaint to the FTC, can give you certain protections to ensure your identity can be protected and restored.
For more information regarding identity theft and what to do if it happens to you, see Privacy Rights Clearinghouse, Fact Sheet 17a, “Identity Theft: What to do if it happens to you,” This can be found at: www.privacyrights.org/fs/fs17a.htm.
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Credit Report News
Effective March 1st, 2005, every person will be entitled to receive one free credit report per year. This opportunity is being provided to protect your credit from identity theft. There are three ways for you to obtain your report. They are as follows:
1) By Mail:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
For your security, and in order to ensure you are using the request form that has been authorized by the Central Source, please contact the bank for a form to be sent to the above address. Only the Central Source, and Equifax (at www.equifax.com), Experian (at www.experian.com), and TransUnion (at www.transunion.com) and its members have been authorized by law and the government (see FTC.gov) to provide free credit reports as described on this site. We cannot ensure your personal information will be kept secure and used for proper purposes if you use forms or provide information to persons, addresses, numbers, etc. not authorized by this site or the entities listed above.
2) By Phone:1-877-322-8228
3) By Online Access: www.AnnualCreditReport.com
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712-933-5511
877-474-5511 (toll free)
Member FDIC
HOME STATE BANK. . . the bank of generations!
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