Debit Card Upgrade

by Lindsey Rickman @ Farmers & Merchants Bank

Sat Apr 15 01:30:38 PDT 2017

Debit Card Upgrade A New Farmers & Merchants Bank Debit Card! Farmers & Merchants Bank has partnered with Fiserv to give you a debit card with enhanced security features, additional payment options and exceptional benefits. Why are you replacing my card? Farmers & Merchants Bank is dedicated to providing you with the highest level of […]

What does ETA mean?

by ETA Helper @ ETA – Electronic Transfer Account

Sun Oct 02 18:22:03 PDT 2016

What does ETA mean in banking? It stands for Electronic Transfer Account. The acronym ETA came about when congress made a law that required that all federal benefit payments, like Social Security be paid via electronic transfer. This meant that…

The post What does ETA mean? appeared first on ETA - Electronic Transfer Account.

How Much Black Licorice Does It Take To Overdose?

by Kate Cox @ Consumerist

Mon Oct 30 10:15:47 PDT 2017

The trinity of divisive Halloween candies is made up of candy corn, marshmallow peanuts, and of course black licorice — perhaps the treat most likely to elicit either only joy or rage when it’s put into one’s candy sack. But there’s one thing that even those who stand firmly on the “love” side of this unbridgeable, anise-flavored chasm should know: …

Wires: Tips to Protect Your Money

by Marketing Dept @ River City Bank

Tue Feb 20 14:09:57 PST 2018

Wires are inherently risky. Once a wire is sent, including a fraudulent wire, the transfer CANNOT be reversed. When sending a wire, it is extremely important that you personally know who you are sending the funds to. If you do not know the person or company, the request may be fraudulent. Allow us to point
Read more

What You Need to Know About a Qualifying Life Event

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 12 05:10:40 PDT 2018

Employees have a window of time each year to sign up for certain types of employer-sponsored insurance. Although this open enrollment period takes place at the end of each year for all employees, an employee can add or remove coverage at any time of the year if they have a qualifying life event. What is […]

The post What You Need to Know About a Qualifying Life Event appeared first on Payroll Tips, Training, and News.

Getting Out of Debt: You Can Do It and Here’s How to Get Started

by Liz Oliver @ LRRCU

Thu Jan 18 03:41:02 PST 2018

Most goals or resolutions that people set for themselves are neglected within a few weeks. It’s likely that this happens because people set far-reaching goals for themselves and then lose momentum when they don’t see results right away. A perfect example of this is the financial goal that many people set for themselves: getting out […]

The post Getting Out of Debt: You Can Do It and Here’s How to Get Started appeared first on LRRCU.

Maryland To Try Sending Recall Notices With Car Registration Renewals

by Laura Northrup @ Consumerist

Mon Oct 30 07:59:13 PDT 2017

Your state’s department of motor vehicles already knows what make and model of car you own, and sends you registration documents every few years that you have to open. Safety advocates have suggested including information about important vehicle recalls in vehicle registrations to make sure more people know about recalls and comply. In an experimental program, Maryland will start sending …

September is Childhood Cancer Awareness Month

by Lindsey Rickman @ Farmers & Merchants Bank

Wed Sep 07 08:01:37 PDT 2016

Childhood Cancer is the #1 disease killer of children. More than asthma, cystic fibrosis, diabetes & pediatric AIDS – COMBINED! 46 children and adolescents are diagnosed every single week day 1 in every 330 children develop cancer before age 19 – it is NOT rare. 1 in every 5 children diagnosed with cancer dies. The […]

5 Creative Habits That Will Keep Your Finances On Track

by Ben Luthi @ Chime Banking

Tue Mar 27 13:29:00 PDT 2018

Improving your financial situation may seem as easy as saving more money and decreasing your expenses. But here’s the thing: if you want to see long-term improvements, you’ve got to first establish some good financial habits. This will help you both get on the right track and achieve your money goals. Financial habits are really […]

The post 5 Creative Habits That Will Keep Your Finances On Track appeared first on Chime Banking.

Record-setting 2017 prompts $1,000 employee bonuses from River City Bank

by Marketing Dept @ River City Bank

Thu Feb 01 10:47:25 PST 2018

SACRAMENTO, CA — January 30, 2018 —  River City Bank, Sacramento’s premier business bank, is awarding each employee at the Vice President level and below a $1,000 bonus following a successful 2017 fiscal year. The bank recently reported a record-setting $2 billion in total assets and a net income of $16.7 million for 2017. In recognition
Read more

Meet Nick Capraro

by Marketing Dept @ River City Bank

Thu Jan 25 14:42:38 PST 2018

Nick Capraro is the Banking Center Manager for both the Davis and Downtown branches of River City Bank. Nick is responsible for ensuring both branches run smoothly and the needs of all its customers are met. We caught him during his busy work day to sit down with us to discuss baseball, endurance running, and
Read more

Lacoste vs Polo Ralph Lauren: Products, Prices, Quality, etc, Compared

by Ashley Derrington @ First Quarter Finance

Sat Mar 24 16:00:34 PDT 2018

Lacoste vs. Polo Ralph Lauren has been an ongoing debate in fashion, especially when it comes to polo shirts. The “better” brand will depend largely on personal preference. Lacoste polos may be more expensive and elusive than Polo Ralph Lauren polos, but both brands come from higher-end clothing collections that offer a wide range of […]

The post Lacoste vs Polo Ralph Lauren: Products, Prices, Quality, etc, Compared appeared first on First Quarter Finance.

Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch?

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 19 05:10:23 PDT 2018

Sometimes, you or your employees’ personal responsibilities conflict with your business. For many small businesses, if you miss work or lose an employee for an extended period of time, there can be harmful effects on productivity in the workplace. But if you or an employee are called in for jury duty, you might not have […]

The post Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch? appeared first on Payroll Tips, Training, and News.

Your Guide to Direct Deposit During the Holidays

by rapid! PayCard @ rapid! PayCard

Thu Nov 16 05:07:27 PST 2017

The holiday season is around the corner, which for some means eggnog and lights on display, but for others it means payroll delays. Automated payment through direct deposit is proven to be more efficient, secure and cost-effective than paper checks. Still, there are a few considerations to keep in mind when switching over to electronic payment — especially around the holidays. The holiday season is a double-edged sword: it’s likely the most expensive time of the year, but is also full of banking holidays which can affect the timeliness of direct deposit. Here’s why. What is the ACH and why does it matter? The Automated Clearing House is an electronic... Read More

UPDATE YOUR ADDRESS & PHONE NUMBER!

by Heritage Bank @ Heritage Bank

Wed Dec 13 10:25:46 PST 2017

Tax season is approaching and we need to send out your tax documents. To help ensure secure delivery of your personal data, please be sure to update your address, phone number and email address with Heritage Bank.

You can provide that information when you log into Online Banking or contact one of our Customer Service Representatives during banking hours.

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Bundle up and Buy a Home!

by Heritage Bank @ Heritage Bank

Tue Jan 02 05:00:03 PST 2018

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, “Oh, I think we’re just going to wait until spring”?  We’ve all heard it and it can be applied to many things but when it comes to the housing market, ...

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Seiko vs Citizen, Cartier vs Rolex, etc: Luxury Watch Brand Comparison

by Katie Spence @ First Quarter Finance

Fri Mar 23 16:00:06 PDT 2018

Luxury watch brands include: Cartier, Citizen, Hamilton, Invicta, OMEGA, and Rolex. All are known for producing high-quality watches, whether you’re looking for a dress watch or sport watch. To help compare, we have broken the companies out by country and classified their watches as affordable, selling most watches for under $250; mid-range, selling most watches for […]

The post Seiko vs Citizen, Cartier vs Rolex, etc: Luxury Watch Brand Comparison appeared first on First Quarter Finance.

Heritage Bank receives a 5 star rating

by Heritage Bank @ Heritage Bank

Tue Oct 10 10:41:25 PDT 2017

Through the years BauerFinancial has earned the reputation of “the nation’s bank rating service”.

If all banks and credit unions have federal deposit insurance what difference does it make what the rating is? Consumers (and businesses) that exceed the deposit insurance limit could lose some of their money in a bank failure; it is surprisingly easy to go over the insurance limit without realizing it due to interest payments, proceeds from the sale of a house, retirement accounts, death of a signer on the account, conditional ...

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River City Bank reports an increase to the quarterly cash dividend on common shares

by Marketing Dept @ River City Bank

Tue Jan 30 09:04:27 PST 2018

SACRAMENTO, CA — January 29, 2018 — Steve Fleming, president and chief executive officer of River City Bank (the Bank), announced that the Bank’s board of directors has approved, in connection with the Bank’s recently reported net income of $1.4 million and $16.7 million, or $0.98 and $11.52 diluted earnings per share, for the quarter
Read more

How to Prepare for an Interview When You’re Self-Employed

by Due.com @ Chime Banking

Tue Mar 27 13:03:23 PDT 2018

There are many myths about self-employment that people may start to mistake for fact. Working for yourself can be a great thing, but it doesn’t always mean you’ll be 100% in control of your career and the day-to-day operations. Often times, you’ll still have to work with others and may even have to please clients if you’re […]

The post How to Prepare for an Interview When You’re Self-Employed appeared first on Chime Banking.

HELPFUL HINTS FOR VACATIONERS

by Heritage Bank @ Heritage Bank

Fri Jan 26 12:12:18 PST 2018

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.

https://www.heritagebankna.com/wp-content/uploads/2017/01/Protect_your_money_vacation_final_1.mp4

Click “Manage your Card” (aka CardValet™ ) on our Mobile app and that provides the ability to turn your debit card off and on and actively manage your usage by defining when, where, and how your debit card is used.

Here are a few helpful hints to keep you and your money safe while on vacation:

Make sure to let your bank ...

The post HELPFUL HINTS FOR VACATIONERS appeared first on Heritage Bank.

What Does Pay Frequency Mean?

by Michele Bossart @ Payroll Tips, Training, and News

Wed Feb 21 05:10:38 PST 2018

When you have employees, you need to run payroll so they can receive their wages. Before paying employees, you need to decide on a pay frequency. Your industry, the number of employees you have working for you, the type of workers you have, and legal requirements determine your pay frequency. But first, what does pay […]

The post What Does Pay Frequency Mean? appeared first on Payroll Tips, Training, and News.

How P2P Payment is Changing Personal Finance

by rapid! PayCard @ rapid! PayCard

Wed Sep 13 13:18:58 PDT 2017

Emerging Peer-to-peer payment technology is growing in popularity, and will soon make back-of-napkin IOUs obsolete. Peer-to-peer payment, also known as P2P payment, is online technology that allows users to transfer funds from a bank account or credit card via the internet or mobile phone. One study found that nearly a quarter of mobile users sent money to another person from an app in 2016 — this statistic nearly triples when it comes to the millennial generation. The growing trend of P2P payment is just another chapter in 21st century technological augmentation of traditional services. Whether it’s ridesharing, online shopping, or P2P payment, consumers are foregoing tradition, and choosing digital alternatives... Read More

Open an ETA Bank Account

by ETA Helper @ ETA – Electronic Transfer Account

Sun Oct 02 11:07:09 PDT 2016

In this post, we give you step by step instructions on how to open an ETA Bank Account. Electronic Transfer Account (ETA) is a low-cost, federally insured account designed for people who receive federal payments but don’t already have or…

The post Open an ETA Bank Account appeared first on ETA - Electronic Transfer Account.

10 Smart Ways to use your Tax Refund

by Lindsey Rickman @ Farmers & Merchants Bank

Thu Feb 08 06:18:32 PST 2018

10 Smart Ways to Use Your Tax Refund Few things brighten up a dull, cold winter like a tax refund. In 2013, the average tax refund was $2,744. While we’re only human and most of us want to splurge a little with our refund, careful money management for the majority of your refund is a […]

7 Habits That Will Help You Lead a More Successful and Productive Life

by Due.com @ Chime Banking

Tue Mar 13 15:54:24 PDT 2018

Regardless what path in life you’re on, your habits will dictate your success. They can empower you to achieve your goals just as easily as they can derail you. That said it’s just as important to focus on maintaining good habits as it is to rid yourself of the bad ones. In this article we’ll cover […]

The post 7 Habits That Will Help You Lead a More Successful and Productive Life appeared first on Chime Banking.

United Plane Makes Emergency Landing Due To Smoke In The Galley

by Laura Northrup @ Consumerist

Mon Oct 30 10:13:12 PDT 2017

Smoke in the cabin of a passenger airplane is a scary prospect. That’s why a plane heading from Munich, Germany to Washington Dulles International Airport made an emergency landing at Boston’s Logan Airport instead: There was smoke pouring from the plane’s galley… which may or may not have actually been caused by a fire. The plane was diverted to land …

A Look at Federal, State, and Local Minimum Wages

by Mike Kappel @ Payroll Tips, Training, and News

Wed Mar 21 05:30:00 PDT 2018

You can’t just pay your employees any amount you want. You must follow federal, state, and local laws that set minimum wages. What is minimum wage? Minimum wage is the lowest amount you can pay an employee per hour of work. You can pay more than the minimum wage, but you should never pay less […]

The post A Look at Federal, State, and Local Minimum Wages appeared first on Payroll Tips, Training, and News.

The growing gig economy, and what that means for electronic payment

by rapid! PayCard @ rapid! PayCard

Fri Aug 04 11:09:31 PDT 2017

Millions of Americans have jobs with little security, no benefits and irregular pay — and they love it. The gig economy is a booming business model that has changed the way employees make money. Gig work translates entrepreneurial spirit into earnings with no strings attached — whether that is to break into a new field, earn extra income for saving and investment, or make some weekend spending money. Nearly a third of the working population have a gig, according to Investopedia. Either as a primary means of income, or as a supplementary job, gigs allow flexibility in employment for a generation characterized by adaptability. This model is especially attractive to... Read More

River City Bank reports record net income of $16.7 million for 2017

by Marketing Dept @ River City Bank

Thu Jan 25 12:42:37 PST 2018

SACRAMENTO, CA — January 25, 2018 — River City Bank (the Bank) reported record net income of $16.7 million, or $11.52 per diluted share, for the year ending December 31, 2017, which was $1.8 million more than the $14.9 million, or $10.34 per diluted share, for the year ending December 31, 2016. The Bank’s earnings
Read more

Attention Online Banking Customers

by Lindsey Rickman @ Farmers & Merchants Bank

Tue Apr 11 13:42:33 PDT 2017

On May 1, 2017, Farmers and Merchants Bank will be rolling out an entirely new internet banking experience. We have rebuilt our internet services from the ground up and added several new features such as new and improved Bill Payment, eStatements, Mobile Banking, and Mobile Deposits.  As an existing internet banking user, you will be […]

FAQs about Equifax Breach

by Heritage Bank @ Heritage Bank

Wed Sep 13 13:40:54 PDT 2017

I’ve been hearing about the Equifax breach in the news. What happened?

Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there’s a good chance it was. Go to a special website set up by ...

The post FAQs about Equifax Breach appeared first on Heritage Bank.

How to Save Money on Your Utility Bills

by Melanie Lockert @ Chime Banking

Mon Mar 26 11:21:00 PDT 2018

Do you cringe each month when you get your utility bills? When you see a super high bill, do you wonder what happened? We’ve all been there, and high bills for gas, electricity and cable can certainly put a dent in your bank account. But all is not lost. If you want to keep your […]

The post How to Save Money on Your Utility Bills appeared first on Chime Banking.

This Is Why Research On Behavioral Finance Won the Nobel Prize

by Cat Alford @ Chime Banking

Mon Mar 12 15:50:20 PDT 2018

In October 2017, Richard Thaler got the call he’d been hoping for. After 40 plus years of economics research, he learned he won the Nobel Prize. As an economist, he faced ridicule from his colleagues for his research connecting human behavior to economics. Winning the Nobel Prize for his work in behavioral finance meant that his […]

The post This Is Why Research On Behavioral Finance Won the Nobel Prize appeared first on Chime Banking.

First Time Home Buyers Savings Account

by Heritage Bank @ Heritage Bank

Tue Mar 20 12:20:03 PDT 2018

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 pass a bill that, beginning in tax year 2017, allows that a standard savings account can be exclusively dedicated for down payment funds and closing costs for a first home ...

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Find an ETA Bank Near You

by ETA Helper @ ETA – Electronic Transfer Account

Sun Oct 02 10:38:40 PDT 2016

To open an ETA account, you have to find a participating bank that offers ETA accounts. We have provided information on ETA banks. The information is divided into two: Nationwide banks and State specific banks. The nationwide banks serve the…

The post Find an ETA Bank Near You appeared first on ETA - Electronic Transfer Account.

The Beer & Booze Company Behind Corona, Svedka & Mondavi Is Now Investing In Marijuana

by Mary Beth Quirk @ Consumerist

Mon Oct 30 08:32:27 PDT 2017

Instead of shrinking in fear from the rising green tide of legal marijuana, the parent company behind booze brands like Corona, Svedka, and Robert Mondavi is jumping right in with a big investment in the legal marijuana business. Constellation Brands Inc. is shelling out $191 million for a 9.9% stake in Canopy Growth Corp, a Canadian company — known as …

News for Mobile Banking Users

by Heritage Bank @ Heritage Bank

Thu Jun 15 14:14:12 PDT 2017

Effective June 25 2017, changes are being implemented to keep the security at the highest possible level for Mobile Banking. You will need to be sure that your device is on a compatible OS (Operating System).

Please ensure that you are using a compatible version as listed below.

Android users with devices on Android KitKat 4.4-4.4.4 (Level 20) and above will be able to connect to Mobile Banking
Iphone users with devices on iOS 8 and above will be able to connect to Mobile Banking

If you are on an ...

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River City Bank welcomes finance expert Kerry Gordon to its board of directors

by Marketing Dept @ River City Bank

Tue Mar 27 11:16:08 PDT 2018

Veteran CPA will leverage strategic business planning expertise on the board Sacramento, CA – March 27, 2018 – River City Bank announces Kerry Gordon as the newest member appointed to its Board of Directors. Gordon brings more than 40 years of experience in public accounting, gaining his initial experience as a Certified Public Accountant with Coopers
Read more

What Is an FEIN?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Feb 26 05:10:00 PST 2018

When you run a business, you must meet many IRS requirements. You might need an FEIN to identify your business on documents like payroll tax forms. What does FEIN mean? What is an FEIN? FEIN is an acronym for Federal Employer Identification Number, also known as an EIN. This unique, nine-digit number is used by […]

The post What Is an FEIN? appeared first on Payroll Tips, Training, and News.

National Ag Week

by Heritage Bank @ Heritage Bank

Mon Mar 19 08:51:51 PDT 2018

“I really enjoy it, I wouldn’t trade it for anything. There are a lot of long days. You go home at night and feel like you accomplished something and it’s usually a good day.”

Mitch Swanson of Kerkhoven is breaking into farming, starting on a smaller scale level. His parents were never farmers. And while Mitch had never farmed before, that’s the profession he chose as his career in life.

His parents live near St. John’s Lake. His mom, Tammy, operates the convenience store in Pennock, and ...

The post National Ag Week appeared first on Heritage Bank.

Do You Know About the 2017 Tax Filing Extension?

by Liz Oliver @ LRRCU

Thu Mar 15 02:14:14 PDT 2018

The date April 15 is probably as quickly recognizable to most Americans as July 4 or December 25. Traditionally recognized as Tax Day, it’s the deadline for filing your previous year’s tax return.  With one month to go, you may be feeling the pressure and scrambling to get the task completed in the remaining days.  But […]

The post Do You Know About the 2017 Tax Filing Extension? appeared first on LRRCU.

Watch Resizing near Me: Watch Adjustment, Link Removal, & More

by Ellen Seltz @ First Quarter Finance

Mon Mar 19 16:00:01 PDT 2018

Watch resizing is a courtesy service many jewelers and department stores provide, including Belk, Dillard’s, Fossil, J.C. Penney, Kohl’s, Macy’s, Micheal Kors, Nordstrom, Sears, and Walmart. You’re also likely to find resizing services as small, local jewelers that are interested in developing a relationship with the community. Excellent customer service is often their best competition […]

The post Watch Resizing near Me: Watch Adjustment, Link Removal, & More appeared first on First Quarter Finance.

Kelly Foundation awards $100,000 grant to Sacramento Cottage Housing, Inc.

by Marketing Dept @ River City Bank

Tue Mar 13 15:09:30 PDT 2018

2017 Major Gift already aiding nonprofit agency’s evolution to become self-sustainable SACRAMENTO, CA —March 13, 2016 —The Kelly Foundation awarded its 2017 Major Gift of $100,000 to Sacramento Cottage Housing, Inc., a not-for-profit agency that provides long-term housing and a supportive living environment for formerly homeless individuals and families. The award constituted the Kelly Foundation’s largest single donation of
Read more

rapid! PayCard Green Dot Announcement

by rapid! PayCard @ rapid! PayCard

Tue Jan 31 14:03:14 PST 2017

Green Dot to Acquire UniRush, LLC, Operating Company for RushCard and Rapid! PayCard Transaction Expected to Generate Significant Strategic and Financial Synergies PASADENA, Calif.–(BUSINESS WIRE)–Green Dot Corporation (NYSE:GDOT) today announced that it has entered into an agreement to acquire UniRush, LLC, and its operating businesses RushCard, a leading online direct-to-consumer general purpose reloadable prepaid card provider, and Rapid! PayCard, a leading corporate payroll card provider. The acquisition, which maps to “Step Five” of Green Dot’s “Six Step Plan” to enhance shareholder value, materially expands Green Dot’s scale with the addition of the RushCard and Rapid! PayCard installed customer bases, while establishing Green Dot as a formidable player in the growing... Read More

4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet]

by Kara Vincent @ LRRCU

Thu Dec 28 00:09:30 PST 2017

Who says resolutions have to start on New Year’s Day?  Get yourself started whatever day you feel inspired.  Here are few important financial goals that you can begin whether it’s January 1, August 1 or a random Tuesday in November. #1: Look at the Financial Big Picture – Use Our Family Budget Worksheet You feel […]

The post 4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet] appeared first on LRRCU.

Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet]

by Kara Vincent @ LRRCU

Wed Nov 15 04:02:02 PST 2017

‘Tis the season to be jolly! ‘Tis the season for the gifts, decorations, family, friends, and children on their best behavior. ‘Tis the season for overloaded shopping bags, impulse buying, and credit card bills. Wait! That doesn’t sound as cheery. In 2016, according to a survey conducted by The American Research Group Inc., Americans spent […]

The post Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet] appeared first on LRRCU.

Here’s How to Improve Your Credit Score Faster

by Paul Sisolak @ Chime Banking

Thu Mar 08 14:44:08 PST 2018

Good things may come to those who wait, but time isn’t on your side if you’re struggling to raise your credit score quickly. More than 30 percent of Americans have poor credit, and if you’re one of them it can be hard to improve it. Many people aim for a credit-building secured credit card, but it could […]

The post Here’s How to Improve Your Credit Score Faster appeared first on Chime Banking.

Kelly Foundation awards $100,000 to American Red Cross for Wildfire Relief

by Marketing Dept @ River City Bank

Tue Dec 05 10:53:09 PST 2017

Major Gift earmarked exclusively for communities devastated and recovering SACRAMENTO, CA – December 5, 2017 – The Kelly Foundation, of which River City Bank is a major contributor, has awarded its 2018 Major Gift of $100,000 to the American Red Cross Gold Country Region. The money is to be used exclusively to help those devastated
Read more

Pottery Barn Furniture Quality: Where It’s Made, Who Makes It, & More

by Kathrina Bognot @ First Quarter Finance

Tue Mar 20 16:00:49 PDT 2018

Pottery Barn produces high-quality furniture, which is all made in the U.S. by experienced professionals. Pottery Barn is a wholly owned subsidy of Williams Sonoma, a company known for quality (and pricey) kitchen appliances. Williams Sonoma has an A+ rating from the Better Business Bureau and has been in business for over 60 years. When you’re […]

The post Pottery Barn Furniture Quality: Where It’s Made, Who Makes It, & More appeared first on First Quarter Finance.

April is Community Banking Month

by Lindsey Rickman @ Farmers & Merchants Bank

Sat Mar 24 02:00:48 PDT 2018

Governor Nathan Deal Proclaims April as Community Banking Month April is Community Banking Month and the Community Bankers Association of Georgia and community banks across Georgia are recognizing the unique spirit that makes community banks the foundation of their communities in cities and towns throughout the state. Annually, community bankers across the country have come […]

Loans for Veterans with Bad Credit: Personal, Guaranteed, & More

by Katie Spence @ First Quarter Finance

Thu Mar 22 16:00:00 PDT 2018

If you’re currently in the military or previously served and have bad or no credit, there are still a number of lenders that will work with you. We have the list of lenders, including Navy Federal Credit Union, Omni Financial, Military-Loans.com, VA Home Loan Centers, Pioneer Services, and Kabbage, that will help you build or rebuild your […]

The post Loans for Veterans with Bad Credit: Personal, Guaranteed, & More appeared first on First Quarter Finance.

Everything You Need To Know To Get Started With Obamacare Open Enrollment

by Kate Cox @ Consumerist

Mon Oct 30 07:30:45 PDT 2017

Despite repeated Congressional and Executive branch efforts, the full Affordable Care Act is still in place. That means insurance-shopping season is nearly upon us: Open Enrollment begins Nov. 1 (and ends Dec. 15). But there’s less money being spent on advertising and outreach this year, which means even the basics can be hard to get solid information about. …

Newly Formed Region Finance Announces City of Elk Grove as First Partner

by Marketing Dept @ River City Bank

Thu Nov 09 09:13:54 PST 2017

New trade association aims to leverage $1 billion of local funds for economic growth Sacramento, Calif – November 9, 2017 – Region Finance, a newly formed trade association, is aiming to advance regional economic growth by encouraging Sacramento region municipalities to invest $1 billion of its funds into local community banks in the six-county Sacramento
Read more

How to Save Money When You Get a Windfall of Cash

by Jackie Lam @ Chime Banking

Mon Mar 19 16:02:11 PDT 2018

Ah, there’s nothing quite like receiving a windfall of money. It may come by way of an unexpected inheritance, a work bonus or a job promotion. And depending on how you spend it, that sweet bit of extra cash may leave you feeling either relaxed or stressed out. While it’s tempting to spend it immediately, […]

The post How to Save Money When You Get a Windfall of Cash appeared first on Chime Banking.

Mobile Payments on Credit Cards

by Heritage Bank @ Heritage Bank

Wed Dec 13 11:10:56 PST 2017

Mobile Purchasing

Heritage Bank and Elan provide credit card users the latest in digital technology. Elan now offers cardmembers the ability to make secure mobile payments* with a compatible Apple®, Android®, or Samsung® phone, tablet, or watch without ever opening their wallet.

Mobile Payment Technology

Streamline Check Out

With Mobile purchasing, at check out, cardmembers can use their phone instead of swiping a card. They can simply wave their phone over a compatible terminal to pay. When they hold their phone near the terminal, they can “okay” the purchase ...

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3 Tips to get yourself fiscally fit in 2018

by Lindsey Rickman @ Farmers & Merchants Bank

Thu Dec 28 01:30:44 PST 2017

10 Tips to Get Fiscally Fit The Winter of 2018 is upon us, and for many of us that will mean more indulging and less physical activity. Maybe you are savoring the waning warm days of a Southern December, trying to tone up your body before the urge to hibernate sets in.  It’s the same […]

Holiday Shopping Tips for Your Spending Personality

by Kara Vincent @ LRRCU

Mon Nov 20 10:19:45 PST 2017

Although 41% of consumers report starting their holiday shopping in October or even earlier (Wow! Good for you!), an estimated 69% of Americans will shop over the Thanksgiving weekend. Early research from the National Retail Federation shows that the 2017 season will be a big deal, with holiday spending forecasted to be near $680 billion, up almost 4% […]

The post Holiday Shopping Tips for Your Spending Personality appeared first on LRRCU.

A 20-Year Vistage Journey to Better Business Leadership

by Heritage Bank @ Heritage Bank

Fri Jan 12 12:49:53 PST 2018

“Vistage isn’t so much a place to have your questions answered, but rather a place to have your answers questioned.”

As a young entrepreneur walking away from a 15-year corporate career, Tom Geiger had a lot of confidence, but knew he’d miss the professional resources he had enjoyed at Cargill.

He sought out a membership in Vistage with the hope that the coaching and peer group interaction would help fill the gaps where his own knowledge and experience fell short. “At that time,” he says, “I felt like ...

The post A 20-Year Vistage Journey to Better Business Leadership appeared first on Heritage Bank.

Trailer Financing for Bad Credit (or No Credit) Borrowers

by Katie Spence @ First Quarter Finance

Mon Mar 26 16:00:15 PDT 2018

Do you need a trailer but have bad credit and no cash? Here are six lenders who can help, regardless of your credit history: Capital Solutions, RockSolid Funding, RV Financing USA, Trailer Solutions Financial, BecksTrailerStore.com, and Worldwide Equipment Sales. Be sure to ask about associated fees and consider trailer insurance if you will be using […]

The post Trailer Financing for Bad Credit (or No Credit) Borrowers appeared first on First Quarter Finance.

Are You Ready for Retirement?: Essential Information on IRAs and 401(k)s

by Kara Vincent @ LRRCU

Tue Aug 22 03:05:44 PDT 2017

While you’re young, you may not be thinking about saving for retirement. You’re probably more focused on paying off student loan debt, searching for a job, or buying a house. But, starting to save for your financial future early will only benefit you in the long run. Start your retirement planning as early as you can. Think […]

The post Are You Ready for Retirement?: Essential Information on IRAs and 401(k)s appeared first on LRRCU.

An important message from Consumer Reports

by petedirenzo @ Consumerist

Mon Oct 30 11:18:07 PDT 2017

This is our last post on Consumerist.com. We’re deeply proud of all the work we’ve done on behalf of consumers, from exposing shady practices by secretive cable companies to pushing for action against dodgy payday lenders. We’ve had a tremendous run as a standalone site. Now you’ll be able to get the same great coverage of consumer issues as part …

Tesla Ends $1,000 Referral Credit Program

by Ashlee Kieler @ Consumerist

Mon Oct 30 08:53:28 PDT 2017

Sure, saving $1,000 on a car that may cost you far in excess of $70,000 might seem like a minor victory, but it’s still better than nothing. But now that Tesla is becoming more of a household name and hoping to reach a more mass-market car-buying audience, it’s getting rid of even this relatively small savings program. Tesla recently announced…

Safe Online Banking: For You & Your Money

by Kara Vincent @ LRRCU

Mon Mar 26 13:44:22 PDT 2018

From 24/7 account access to quick and easy bill paying, online banking offers members a convenient way to handle their finances. However, the rise of technology also brings an increase in potential hackers, scams, and fraud cases. Whether you’re looking to shield your small business or family’s finances, there are many strategies to stay vigilant […]

The post Safe Online Banking: For You & Your Money appeared first on LRRCU.

Should Businesses Stop Accepting Cash?

by rapid! PayCard @ rapid! PayCard

Fri Aug 18 12:08:23 PDT 2017

Visa is paying out a jackpot to vendors willing to bet against old money, and roll the dice on cashless transactions. Visa will give $10,000 to 50 restaurants that pledge to go cashless. The new initiative, what Visa executive Jack Forestall calls “a journey to go cashless,” will incentivize vendors to rip off the bandaid of paper transactions and progress to a cashless system. The money can be used for marketing and updating point of sale technology to focus payment exclusively on credit and debit cards and electronic payment. Visa will select participating merchants in August. Cash remains the predominate method of payment, according to the Federal Reserve. A report... Read More

Fluid Film Review & Auto Undercoating Comparison (Krown, NH Oil)

by Bryan Cockfield @ First Quarter Finance

Sun Mar 25 16:00:23 PDT 2018

Automotive undercoating is important to help prevent rust and corrosion, especially in colder climates. Oil-based products like Krown Rust Control, NH Oil Undercoating, and Fluid Film are three popular and effective undercoating brands. “Traditional” undercoating offered by dealerships on new cars isn’t necessarily the same thing and does not prevent rust in the long term. […]

The post Fluid Film Review & Auto Undercoating Comparison (Krown, NH Oil) appeared first on First Quarter Finance.

Should You Offer a Nonqualified Deferred Compensation Plan?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Mar 26 05:10:00 PDT 2018

You know employees like employer-sponsored benefits. As an employer, offering benefits is advantageous for your business, too. A nonqualified deferred compensation plan is one type of benefit that both you and your employees can enjoy. Find out what a nonqualified deferred compensation plan is, why you might consider offering it, and how to set it […]

The post Should You Offer a Nonqualified Deferred Compensation Plan? appeared first on Payroll Tips, Training, and News.

Cyber Security Tips

by Marketing Dept @ River City Bank

Fri Jan 19 09:10:56 PST 2018

Cybersecurity best practices constitute an expansive list of things to do.  While in-depth security measures need to be implemented and managed by experts, you don’t need to be a cybersecurity pro to employ smart online safety habits that can go a long way in guarding against online crime. Small and simple steps, like the ones
Read more

Why every business should consider switching to electronic payroll

by rapid! PayCard @ rapid! PayCard

Thu Oct 05 05:37:57 PDT 2017

Due to advancements in technology, utilizing payroll checks is becoming an outdated form of payment. Automated payment through direct deposit saves time and money, enhances security1, 2 and can make payday easy for employers and employees. Yet, resistance to modern banking solutions like direct deposit and paycards prevent many businesses from progressing in the 21st century. Paycard technology is growing in popularity, and as the benefits of switching to electronic payroll compound,  it becomes more difficult for businesses to avoid trying out alternative payment methods such as the rapid! PayCard. Still not convinced? Here are 3 reasons why paycheck holdouts are making the switch to a more convenient, modern, and... Read More

5 Things Experts Say You Should Know About Obamacare Open Enrollment

by Kate Cox @ Consumerist

Mon Oct 30 07:30:30 PDT 2017

If anything is true of 2017, it is this: Confusion reigns. And nowhere do we see that more than in healthcare, where failed repeal attempts, executive orders, sudden, out-of-the-blue policy changes, and general unpredictable chaos have dominated the news. But the fact remains that Americans still need access to medical care, and for those who don’t have …

Answers to 18 Payroll Questions You Are Dying to Ask

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 05 05:10:18 PST 2018

For some business owners, running payroll might be like learning a foreign language. You are a master of your business idea, not the administrative responsibilities that come with it. Because you might not be familiar with these responsibilities, you might have some payroll questions. Payroll questions and answers When you become an employer, you need […]

The post Answers to 18 Payroll Questions You Are Dying to Ask appeared first on Payroll Tips, Training, and News.

Consult This Employee Termination Checklist to Keep Things Running Smoothly

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 07 05:10:00 PST 2018

Employees leave companies every day to pursue growth opportunities, accommodate personal lives, or experience change. As an employer, you hope employees won’t leave your business, but you know this is wishful thinking. When an employee resigns, you need to know what to do. The average annual overall turnover rate is 19%, according to SHRM. If […]

The post Consult This Employee Termination Checklist to Keep Things Running Smoothly appeared first on Payroll Tips, Training, and News.

Hotels with Sleep Number Beds & Other Adjustable Beds: 5 Hotels

by Kait Scirri @ First Quarter Finance

Sun Mar 18 16:00:32 PDT 2018

Some hotels offer Sleep Number beds, including some Radisson hotels. A Sleep Number bed allows the firmness of each side of the bed to be adjusted; so if you like a softer bed but your partner prefers a firmer bed, you can each adjust your side to your level of comfort.  In this article, we will […]

The post Hotels with Sleep Number Beds & Other Adjustable Beds: 5 Hotels appeared first on First Quarter Finance.

Schedule a Check-up for Your Financial Life

by rapid! PayCard @ rapid! PayCard

Fri May 05 09:13:33 PDT 2017

Most of us are diligent about maintaining the various aspects of our life. We swap out the batteries on our smoke detectors with regularity; we schedule annual physicals, and get our car’s oil changed based on the manufacturer’s mileage recommendation. Still, many of us tend to take better care of our cars than we do our financial life. The irony being, an un-tended financial life can break down just as assuredly as an under-serviced automobile. It can run out of gas, but it can also seize up and need a roadside tow. In short, a well-examined financial life is worth exploring. 1. Schedule. Set a recurring point in time for... Read More

Collateral Loans & Hard Money Loans for Bad Credit: List of Providers

by Ellen Seltz @ First Quarter Finance

Wed Mar 21 16:00:54 PDT 2018

Finding a hard money lender for an investment property or home takes care. Included in this article is a safe borrowing checklist to help you think through the process and vet potential lenders. We also have the list of nationwide hard money lenders that will work with poor credit, including Allrise Financial Group, Do Hard […]

The post Collateral Loans & Hard Money Loans for Bad Credit: List of Providers appeared first on First Quarter Finance.

Where Does The Cheese Belong In A Cheeseburger?

by Mary Beth Quirk @ Consumerist

Mon Oct 30 09:46:35 PDT 2017

When you think of the ideal cheeseburger, where is the cheese in the sandwich equation — is it beneath the patty, or on top of it? That is the question Google’s CEO has now promised to address, after someone questioned the company’s cheese placement in its cheeseburger emoji. Media consultant Thomas Baekdal pointed out on Twitter over the weekend that …

It’s time payment systems caught up with the demands of the gig economy

by rapid! PayCard @ rapid! PayCard

Tue Feb 13 16:10:28 PST 2018

Is your payment system ready for the gig economy or are you just a big wannabe? According to a Forbes article, 35 percent of the workforce have a gig, and collectively they earned $1 trillion from ad hoc work last year. But, freelance workers, who have come to expect payment as instantaneous as their work, are turning their noses up at outdated companies that can’t keep up. If you’re still mailing checks, might as well be using the Pony Express as far as tech-savvy gig workers are concerned. We are on the precipice of a major sea change, and the traditional employment model is quickly becoming as outdated as the... Read More

Discount Tire vs Costco, Tire Rack, NBT, etc: Competitors Compared

by Kathrina Bognot @ First Quarter Finance

Tue Mar 27 16:00:56 PDT 2018

Discount Tire may be the largest independent tire retailer but it’s certainly not the only one. We have the list of tire retailers, including: Big O Tires, Costco Tires, NTB, Pep Boys, Sears Auto Center, Tire Discounters, and Walmart Auto Care Center. We break down the brands and services offered as well as a general […]

The post Discount Tire vs Costco, Tire Rack, NBT, etc: Competitors Compared appeared first on First Quarter Finance.

Financing A New Home: Answering Homebuyer Questions

by Kara Vincent @ LRRCU

Mon Mar 12 07:40:38 PDT 2018

Finding the perfect new home can be hard work, but now you also have to navigate the mortgage financing process. There are many questions that arise when it comes to financing a new home. Below we’re answering four questions about financing a new home that homebuyers commonly ask. 1. Should I Be Pre-Qualified or Pre-Approved? […]

The post Financing A New Home: Answering Homebuyer Questions appeared first on LRRCU.

How to Calculate a Raise

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 14 05:10:09 PDT 2018

Employees have money on their minds. According to a Gallup poll, 59% of employees were not completely satisfied with their current pay. And, one SHRM survey found that 44% of respondents said they would leave their job to make more money elsewhere. To avoid losing their top employees, many businesses offer pay raises. Learn why employee […]

The post How to Calculate a Raise appeared first on Payroll Tips, Training, and News.

5 Facts About Women and Money for International Women’s Day

by Chelsea Brennan @ Chime Banking

Thu Mar 08 14:46:51 PST 2018

Did you know that only 22% of U.S. women can answer three fundamental finance-related questions correctly? It’s sad but true. While women have made significant strides to close the gender gaps in education, employment, and even wealth, the gap in financial literacy is still glaring. But, in order to even begin bridging this gap, it’s important to understand that […]

The post 5 Facts About Women and Money for International Women’s Day appeared first on Chime Banking.

How To Be Financially Smart At Any Age

by Kara Vincent @ LRRCU

Thu Aug 31 08:18:27 PDT 2017

  As you go through the stages of life what it means to be “financially smart” will change. A smart financial move when you’re approaching your 40s is not the same as a smart financial move for a 19-year-old in college. At 40, there are more things to consider when making decisions about your money, […]

The post How To Be Financially Smart At Any Age appeared first on LRRCU.

The Equifax Hack Was Worse Than Expected. What to Do Next

by Jeanine Skowronski @ Chime Banking

Thu Mar 15 15:59:14 PDT 2018

Looks like that worst-ever Equifax data breach was … actually worse. In late 2017, the credit reporting agency divulged a systems breach exposed the personal information of 145.5 millions Americans, including names, Social Security numbers, birth dates, addresses, dispute documents, as well as some credit card account and driver’s license numbers. But the hackers also obtained […]

The post The Equifax Hack Was Worse Than Expected. What to Do Next appeared first on Chime Banking.

Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount

by Rachel Gray @ Payroll Tips, Training, and News

Wed Feb 28 05:10:52 PST 2018

It’s easy to make mistakes, especially when you have a million and one things on your plate. One error you could make is deducting the wrong amount from employee wages. Correcting employment taxes is necessary if you withhold too much or too little from your employees’ paychecks. This article provides an overview of employment taxes […]

The post Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount appeared first on Payroll Tips, Training, and News.

Operators Of Phony Rental Credit Check Scheme Must Pay $762K To Feds

by Ashlee Kieler @ Consumerist

Mon Oct 30 09:56:12 PDT 2017

In January, federal regulators announced they had put a stop to an apartment rental scam in which homes (that may not exist) are listed online with the sole purpose of tricking prospective renters into paying for “credit checks” that will never be done. Now, the operators of the scheme must pay $762,000 to put an end to the Federal Trade …

US Bank ETA Account

by ETA Helper @ ETA – Electronic Transfer Account

Mon Oct 17 06:41:59 PDT 2016

Is you would like to open a US Bank ETA account, we have all the information you need. As you may be aware, an ETA Account is a low cost option to receiving your federal benefits, including social security and…

The post US Bank ETA Account appeared first on ETA - Electronic Transfer Account.

Store Credit Cards, Balance Transfers & More: Make the Smart Money Decision

by Liz Oliver @ LRRCU

Fri Oct 13 08:55:31 PDT 2017

Every day we’re faced with making decisions about our money. What feels like a smart money choice in the moment may have repercussions in the future. You might be tempted to save money on a purchase now only to have your credit score suffer.  You might choose to delay payments on a big ticket item […]

The post Store Credit Cards, Balance Transfers & More: Make the Smart Money Decision appeared first on LRRCU.

Apple Pay Cash is Now Live — How Does it Work?

by rapid! PayCard @ rapid! PayCard

Tue Feb 13 15:11:25 PST 2018

Learn everything you need to know about the new Apple P2P payment system That one friend, the one who still hasn’t repaid you for pizza because he “doesn’t have the right app,” is in trouble. Today, iPhone users can access what experts in the tech industry are calling “the Venmo Killer”: Apple Pay Cash. Apple Pay cash is a P2P payment service which allows users to send and receive payment through iMessage The days of P2P fragmentation are over. Thanks to Apple Pay Cash, all money transfers can take place through a central, default iOS application, and ultimately unify all P2P transactions under one secure, and intuitive, system. How to... Read More

The Problem with Overdraft Fees

by Paul Sisolak @ Chime Banking

Tue Mar 20 02:52:00 PDT 2018

“Overdraft” is not a word we like to hear. Why? It generally means you’ll be dinged with a fee you don’t want to pay. To clarify, an overdraft fee occurs when you don’t have enough money in your bank account to pay for a purchase. When this happens, your bank will pay for the transaction […]

The post The Problem with Overdraft Fees appeared first on Chime Banking.

National Teach Children to Save Day

by rapid! PayCard @ rapid! PayCard

Mon Apr 24 07:00:35 PDT 2017

Like any company that provides technology to make life easier, we examine the millennial demographic. They are the population sector interested in options – from ways to communicate, to ways to bank. In their April 2016, article, Pew Research Center cited estimates by the U.S. Census Bureau that millennials have now “surpassed Baby Boomers as the nation’s largest living generation”. A powerful consumer force, the members of this group are working “real jobs” and building careers. They are open to alternatives. They also need them as they don’t typically comply with traditional banking methods. Per rapid! PayCard’s October 2016 article about banking options for millennials and the flexibility of getting... Read More

How To Use FMB’s Mobile Deposit

by Lindsey Rickman @ Farmers & Merchants Bank

Thu Feb 01 01:00:43 PST 2018

Metabank ETA Account

by ETA Helper @ ETA – Electronic Transfer Account

Mon Oct 17 06:47:27 PDT 2016

In this post, we will show you how to open a Metabank ETA Account, login into your Metabank Visa prepaid card, and check the balance on your card. As you may know, an ETA account is one of the ways…

The post Metabank ETA Account appeared first on ETA - Electronic Transfer Account.

Important Information About Banking Changes at FMB

by Lindsey Rickman @ Farmers & Merchants Bank

Mon Mar 06 06:02:41 PST 2017