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Protecting Your Identity: A Crucial Guide to Safeguarding Your Personal Information - In today's digital age, where technology permeates nearly every aspect of our lives, the threat of identity theft looms larger than ever before. Did you know that more than 40 million U.S. consumers fell victim to some form of identity theft in 2021 alone? Shockingly, according to Javelin's research, traditional… ... Read More
CEO Fraud: Costly Scam Targeting Businesses - CEO fraud, a cybercrime where scammers impersonate high-ranking executives to manipulate employees into unauthorized payments, costs businesses over $26 billion annually (FBI). Scammers use email spoofing to create seemingly legitimate emails, often urgent, requesting immediate action on financial matters like fund transfers, gift card purchases, or sensitive information disclosure. They… ... Read More
Phishing Attacks: A Deceptive Hook Targeting Small Businesses - This article dives into the world of phishing attacks, a significant threat targeting small businesses. It highlights the dangers these attacks pose and equips you with the knowledge and tools to safeguard your organization. The Bait: Phishing attacks lure victims into revealing sensitive information like login credentials, usernames, passwords, and… ... Read More
Chargeback Fraud: A Growing Threat to Small Businesses - Chargeback fraud is a serious problem that can have a devastating impact on small businesses. It occurs when a customer disputes a legitimate transaction and asks their bank to reverse the charges. This can leave the business owner without the product or service they provided, as well as the money.… ... Read More
Wishing you a Spirited Holiday Season! - Click above to view our holiday message. ... Read More
Corporate Account Takeover: What You Need to Know - Corporate Account Takeover is a type of business identity theft in which a criminal entity steals a company’s valid online banking credentials. Small to mid-sized businesses remain the primary target of criminals, but any business can fall victim to these crimes. Attacks today are typically perpetrated quietly, by the introduction… ... Read More
Business Email Compromise – Be on the Lookout for These Scams - You have probably heard about those emails that claim to be from the big boss and which often start off with a line similar to this, “I need you to do something for me.” Frequently there is also a sense of urgency inferred that makes the average worker bee jump… ... Read More
New Instant Alerts Added - Your Instant Alerts have just been enhanced! With Notifi, you know the moment something important happens with your money. Best of all, there is no service charge* and it's simple to set up. Just login to your internet banking account and click on "Alerts" to get started. Choose one or… ... Read More
Beneficial Ownership - BENEFICIAL OWNERSHIP Overview In May 2016, the Financial Crimes Enforcement Network (“FinCen”) issued a new regulation regarding the beneficial ownership of legal entity customers, most commonly referred to as the “Beneficial Ownership Rule.” Going forward, it will be mandatory for all financial institutions to comply with this regulation by identifying… ... Read More
New Chip Cards Coming Soon - Get big protection in a tiny chip. Introducing chip technology for SpiritBank. SpiritBank Debit Cards will now come with built-in chip technology. These new cards are not only more secure – they’re also easy to use. Customers will begin receiving their new cards this week.  Please activate your card within… ... Read More
Five Home Loan Tips for a Rising Rate Environment - By Bruce Schultz, SpiritBank Mortgage Manager, SVP Most of us are familiar with the old saying that “What goes up must come down.”  However there’s another saying among mortgage bankers when it comes to interest rates—“What has gone down will eventually come back up.” That seems to have been the… ... Read More
Equifax Data Breach Information - Equifax Inc. (our primary credit bureau) announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. The company has found no evidence… ... Read More