Consumer Education

We remain committed to your financial education and financial security. We will use this space to keep you up-to-date on topics related to financial literacy and education, and how you can protect yourself from online fraud, identity theft, phishing scams and other security topics.

• Why Mobile Wallets like Apple Pay, Google Pay and Samsung Pay are Even Safer than Chip Cards

  by Jen Novotny | May 15, 2019
  Paying with your phone is convenient AND more secure than an EMV chip card.
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• The 5Cs of Credit for Business Loans

  by Jen Novotny | Mar 24, 2019
  The five Cs of credit help lenders determine the creditworthiness of a potential borrower.
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• Know Your Data: The CFPB’s Latest List of Consumer Reporting Companies

  by Jen Novotny | Feb 11, 2019
  Your credit record plays a big role in your financial life. It not only influences the loan terms and interest rates you’re offered, but it also can impact other parts of your life, like whether you get a job, an apartment, or a security clearance.
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• Web Browser Compatibility

  by Jen Novotny | Feb 08, 2019
  Our website uses the latest encryption protocols to maintain the highest security standards. If you are using an outdated browser, portions of our website may not load properly for you.
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• Reducing Financial Stress During the Holidays

  by Jen Novotny | Dec 03, 2018
  While the holidays should be a joyful time, the busyness of the season on top of the financial burden can bring unwelcome stress.
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• 5 Holiday Mistakes That Could Cost You

  by Jen Novotny | Nov 27, 2018
  Enjoy the holidays with your finances intact.
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• Set a Holiday Budget and Avoid Overspending

  by Jen Novotny | Nov 20, 2018
  The holidays are a wonderful time to relax, unwind, and enjoy the company of loved ones, but they also can be a great source of stress.
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• Cybersecurity Tips to Protect Sensitive Information

  by Jen Novotny | Oct 16, 2018
  October is National Cybersecurity Month. Learn simple steps you can take to safeguard your data.
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• How Much House Can You Afford?

  by Jen Novotny | Oct 02, 2018
  If you're interested in buying a house, you may be wondering how much home you can afford.
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• Online Mortgage vs. Local Community Bank: Which is Best for You?

  by Jen Novotny | Aug 13, 2018
  If you need a mortgage, is an online mortgage company or a local community bank a better fit for you?
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• Prequalification vs. Preapproval — Do You Need It and What’s the Difference?

  by Jen Novotny | Aug 03, 2018
  Prequalification or preapproval will give you an idea of whether or not you qualify for a mortgage, and if so, how much you qualify for. While some may think these two things are interchangeable, they are not the same thing.
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• How Do I Improve My Credit Score?

  by Jen Novotny | Jul 23, 2018
  Having a good credit history is key to any financial plan. If you have less than perfect credit, these tips can help you repair your score.
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• Financial Tips for Graduates

  by Jen Novotny | Jun 14, 2018
  For many new graduates, trading in the school life for the working world can be a crash course in adulting. Establishing financial independence ranks up there as one of the most important new responsibilities. We want all of the young people in our community to feel well-prepared for their financial future.
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• Why We All Need a Password Manager

  by Jen Novotny | Oct 09, 2017
  In order to create strong passwords they must be unique, long, a combination of upper and lowercase letters, numbers and special characters, and not easily guessable. Remembering 90 passwords is not possible, so consider a password manager.
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• Equifax Security Breach — What You Need to Know

  by Jen Novotny | Sep 11, 2017
  Credit reporting agency, Equifax, suffered a massive security breach that affects an estimated 143 million people. Learn more about how this affects you and what you can do about it.
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• Using Your Debit Card Online? Think Again.

  by LKCS Team | Apr 01, 2016
  If you’ve ever thought, “What would we do without the Internet?” you’re not alone. We use the Internet every day for entertainment, to keep in touch with friends, pay bills, read the news and SHOP.
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• Tips for Safe Online Shopping

  by LKCS Team | Apr 01, 2016
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• New Mortgage Disclosure Rules in Effect — What You Need to Know

  by LKCS Team | Apr 01, 2016
  The Consumer Financial Protection Bureau (CFPB), an independent agency of the U.S. government responsible for consumer protection in the financial sector opened its doors in 2011. Since that time, the organization has heard from homebuyers that the documents used in buying a home are overwhelming and confusing, and that they often lack adequate time to review them before signing on the dotted line.
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• Online Security Awareness — Protect Yourself From Fraud

  by LKCS Team | Apr 01, 2016
  First National Bank is providing its personal and business customers with the following security awareness information to assist you in protecting your online account and transaction information.
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• How Not to Get Hooked by a “Phishing” Scam — FTC Consumer Alert

  by LKCS Team | Apr 01, 2016
  Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, social security number, passwords or other sensitive information.
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