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Insider Tips

Our experienced team of professionals has tips and tricks to help make your banking and money management easier. The knowledgeable advice of our bankers can be a valuable resource to help you build a better financial future. Learn from the pros! 

 #insidertips  #moneytips


Trigger Leads: How to Opt-Out

Have you wondered why unsolicited calls, text messages, or junk mail from lenders occur right after you have applied for a loan? Learn about "trigger leads" and how you can opt-out.



Break Up with Romance Scams

Close up image of person on phone using a dating app

Romance scams have nearly tripled in the past few years. Here’s what you need to know about romance scams to protect your heart…and your finances.



Safeguarding Your Finances: Tips for Tax Identity Theft Awareness Week

In a world where digital transactions and financial activities are prevalent, understanding the threats associated with tax identity theft is crucial. Here are four (4) tips to help keep your financial and tax information safe. 



Fake Shipping Notifications

young person looking at their bank account on their phone with a perplexed look and worrying that they've become a victim of fraud

When you order something online, you might get several emails or text messages confirming your order, telling you it shipped, or notifying you about delivery. Did you know that scammers send fake shipment and delivery notifications to try to steal people's personal information? 



ID Fraud

blurred social security cards sitting on white keyboard

In 2022, U.S. Consumers lost $43 billion in identity theft & fraud. Continue reading to learn how you can keep your information safe, as well as how to respond if you or a loved one are a victim.



FDIC Insurance

Picture of individual sitting in front of their couch calculating numbers in order to determine if their accounts are nearing the FDIC insurance limit.

You may have seen or heard Member FDIC many times, but have you ever stopped and asked yourself what it means? Check out this article to learn more about the importance of FDIC Insurance.


3 Financial Lessons We Can Learn From Yoda

Yoda staring at stars in galaxy

Very important, saving money is! Whether you are a young Padawan or a Jedi Master, you can learn these 3 valuable financial literacy lessons from Yoda.



Understanding the Recent Changes to Mortgage Fees & LLPAs

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Are lower credit score borrowers really given a "better deal" than individuals with higher credit scores? Here are the FACTS and FICTION concerning recent changes to loan level price adjustments (LLPAs) on mortgages.



The 12 Scams of Christmas

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It's the most fraudulent time of the year. Identify these common scams as published by the Better Business Bureau.



More Presents, Less Scams Please: Holiday Shopping 101

Someone holding a wrapped gift in their hands.
Get what you pay for and protect your money this holiday season with these tips to help mitigate your shopping risks.


A Young Adults Guide to Take Control of Finances

In our years of involvement in local financial education efforts, we’ve found that these 5 steps are the key to take control of your finances.


You've Been Scammed. Now What?

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Even the most alert person is not immune to fraud attempts. Here’s what you should do if you think you’ve been scammed.


The First Step in Your Baby's Financial Journey

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Spare change? Drop it in your child’s savings account. Birthday money? Set it aside. Contrary to belief, you don’t have to have a ton of money to begin saving for your child.


Check Fraud 101

a signed check on a table.
One of the most frequently used methods of fraud is fake checks. Here are 4 things to keep in mind before rushing to deposit an unsolicited check.


How to Prepare Your Teen for Financial Responsibility After Graduation

student studying and drinking coffee

Before summer ends, be sure to add talking to your graduate about money management to your list.

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"FREE" Public Wi-Fi is Never Private

person typing on their tablet while at a coffee shop

A great perk of traveling is finding a free Wi-Fi spot but be careful you are not signing up for more than you bargained for.

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Look Twice: It Could Be a Card Skimmer

Person inserting debit card into a gas station card reader

As you get ready to go on vacation and relax this summer, did you know you may also become more susceptible to fraud because of card skimming? By using a card skimming device, fraudsters can steal your financial information. Here are some methods to help prevent your card from being skimmed.

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Text Message Scams are on the Rise

Screen of phone with fraudulent text message

People have fallen victim to text scams appearing to be from companies like Amazon, FedEx, or Verizon. These messages may look legitimate, but you should be cautious before clicking any links. Here are some things to watch for and think about when receiving a text that could indicate a scam.



5 Tips to Stay Safe on Social Media

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Social media provides a great way to connect with our friends and family. However, you should always be cautious about what information you share. Nothing we share on the internet is private, but we can implement these 5 strategies to add layers of protection.



Advice to Keep You Protected

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Flatwater Bank is committed to ensuring our cyber security capabilities continue to provide customers with optimal protection from cyber threats.  Recent world events are an excellent reminder that we need to be extra vigilant.  Here are ways we are protecting your information and strategies you can take to protect yourself.



Make Your Donation Count

Glass cauldron-shaped bowl filled with U.S. coin currency on top of an outdoor wooden table.

People can take advantage of your generous spirit. Instead of your donated funds contributing to a charitable organization, your money can end up in a scammer's bank account. Here are two things to keep in mind to make your donation count.



How to Avoid Falling Victim to Student Loan Scams

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If you have a federal student loan, you will soon be required to begin making repayments starting September 1, 2022. This update is creating a perfect breeding ground for scammers to take advantage of those with student loan debt.



Choosing Beneficiaries for Your HSA

a couple laughing together

When you set up your HSA, you can choose a beneficiary should you pass on before using all the funds in the account. However, did you know that only surviving spouses named as beneficiaries are able to retain the tax advantages associated with these accounts?



Important Fraud Alert

close up image of laptop keys

Recently, we have been made aware of a growing number of “spoofing” attempts being made in the financial industry, including on Flatwater Bank customers. Fraudsters are using falsified caller ID numbers — or what appears to be legitimate text messages — to trick them into providing sensitive information.



Can You Spot a Phishing Scam?

phishing background
We want every person to become a pro at spotting online scams—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That.