MEMBER FDIC
SAVE THE DATE:
4th ANNUAL ROYAL FUN DAYS
JULY 14th – 16th
Come join the fun with various activities for the entire family!
The schedule of events and activity sign- up sheets are available at Home State Bank and on the Royal Fun Day’s Facebook page.
MAKING PLANS TO TRAVEL THIS SUMMER?
Consider notifying the bank of your travel plans if you have a BANK EASY DEBIT CARD.
DUE TO HIGH LEVEL OF DEBIT CARD FRAUD, THE BANK HAS PLACED BLOCKS IN CERTAIN GEOGRAPHICAL AREAS THAT MAY RESTRICT CARD USE.
SUMMER IS HERE!
STAY CONNECTED WITH OUR
CONVENIENT BANKING TOOLS!
Take advantage of online banking, E-statements, Shazam Bolt$, and our debit card services! ENJOY THE EASE OF YOUR HOME TOWN BANK ON THE GO!!
5-STAR HOME STATE BANK
BEST OF BAUER FOR EXCEEDING 25 YEARS OF 5-STAR RATINGS
March 2017: Home State Bank, Royal, Iowa proudly announces it is once again a top performer, earning a coveted 5-Star rating from BAUERFINANCIAL, the Nation’s Premier Bank Rating Firm. (A five-star rating indicates that this bank excels in areas of capital, adequacy, profitability, asset quality, and much more.) Home State Bank has earned and maintained this top rating for 113 consecutive quarters, earning it even higher accolades. Home State Bank is a “Best of Bauer” bank for maintaining a 5-Star rating for 25 continuous years or longer.
“Home State Bank is a prime example of a community bank excelling at what a community bank was meant to do,” explains Karen L. Dorway, president of BauerFinancial. “It employs locally, thereby having the same personal investment in the community as its customers; it makes decisions locally, often for neighbors and friends; and it focuses on quality as opposed to quantity. That focus has paid off for both Home State Bank and for its community.”
Home State Bank was established in 1915 and has been providing quality banking services to its neighbors and friends ever since. Today, after 102 years, it operates through a conveniently located office at Main and Third in Royal and can also be found on the internet at hsbroyal.com.
Home State Bank: “The Bank of Generations.”
Member of the FDIC and an Equal Housing Lender
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 can pay for or opt out of a BauerFinancial rating. Star-ratings are available for free at bauerfinancial.com
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.
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.
FOR ADDITIONAL SAFETY TIPS VISIT:
http://www.onguardonline.gov/
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.
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
HOME STATE BANK. . . the bank of generations!
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