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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


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

Collage image of social media and internet icons

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

close up image of person typing on laptop in the dark

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.



Love Is In the Air & So Are Romance Scams

Close up image of person on phone using a dating app

According to the Federal Trade Commission, reports of online 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.



How to Avoid Falling Victim to Student Loan Scams

Hand about to answer or decline an incoming call from an unknown caller

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.



Improving Lives Through Education

Our bank is committed to improving the lives of the customers and communities we serve.  One way we do this is by providing financial education to local youth.  



Paying Scammers with Gift Cards

Gift card display at the end of an aisle in a store

Gift cards are a popular and convenient way to give someone a gift. They’re also a popular way for scammers to steal money from you. That’s because gift cards are like cash: if you buy a gift card and someone uses it, you probably cannot get your money back. Gift cards are for gifts, not payments. Anyone who demands payment by gift card is always a scammer.



Is it Safe to Pay With My Phone?

by Jennifer Ballmer, Sr Operations Officcer

Jennifer Ballmer and row showing online wallets, apple pay, google pay, lg pay, samsung pay, garmin pay, and fitbit

Did you know that you can add your Flatwater Bank Visa debit card to the digital or mobile wallet on your mobile device?  It’s something Jennifer Ballmer has been using for a while now and loves it.  However, she gets asked by people all the time…is it safe?  



Money Mule Scams

Picture of writing a check.

Learn how to protect yourself from being targeted as a money mule.



Insider Tip from Jana Henry, Loan Clerk
Flatwater Bank employee Jana Henry
With digital wallets you can make purchases with your mobile device and your Flatwater Bank VISA® debit card.  It's convenient, free, and secure. 


Insider Tip from Lexi Franzen, Teller
Flatwater Bank employee Lexi Franzen 
Does the Coronavirus have you in a funk?  It's changed a lot of our normal day-to-day activities.  I miss seeing our customers in the bank, but one of the best tools we have to make your life simpler is our mobile app.  One of my favorite features of the mobile app is the ability to make a deposit right from my phone.  

If you have never used the app, don't be intimidated, give it a try!  It's easy and we can walk you through getting started.  Check out the video below with step-by-step instructions on how to make a deposit right from your phone!