Your Community Bank's eNewsletter
December
2015
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Gree
tings,
I hope this last eNewsletter of the year finds you well. This may have been a quick year, but it was a productive one too!
The next year promises to be one for the record books with another branch coming online in Durango, an assortment of new products and services to offer, and evolving banking legislation to navigate.
But our goal in everything we do remains you, our customer. You are the reason we do what we do and are so grateful for the opportunity. My best to you this holiday season and in the coming year.
Merry Christmas,
Sheila Mathews | President and CEO
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Readers' Choice Awards
FCCB is proud to bank the best of the best! Congratulations to our
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The Geek's Have Moved
The Geek's are now located at our Citizens State Branch in Cortez at 77 West Main, and have graciously offered a 10% discount for all FCCB customers. Stop by their new location or visit them online
here to learn about their computer, IT, and web services.
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Holiday Hours
Christmas Eve 12.24:
Closing at noon
Christmas Day 12.25:
Closed
New Year's Eve 12.31:
New Year's Day 1.1:
Closed
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Get the Chip Cards Facts
Still have questions about chip cards? Unsure how to use it or what the liability shift means for consumers or businesses?
Read our chip card customer notice here, and get the facts.
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Customer Insight:
7 Bad Spending Habits to Avoid This Holiday Season
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Amid the
busy holiday season, the American Bankers
Association offers these seven habits that shopp
ers should avoid to minimize their holiday spending debt. Steering clear of these bad spending habits will help you begin the new year fiscally fit:
- Forgetting to plan ahead. Before you start shopping, develop a realistic budget. Consider your income, subtract your normal monthly expenses, and then add any savings to whatever cash is left over. If you need to use your credit card, think about what you can afford to pay back in January.
- Losing track of other costs. Don't forget costs beyond gifts like postage, gift wrap, decorations, greeting cards, food, travel, and charitable contributions.
- Winging it. Make a list and check it twice. Keep your gift list limited to family and close friends, noting how much you want to spend on each.
- Waiting until the last minute to shop. Avoid shopping while rushed or under pressure, which can lead to overspending.
- Shopping impulsively. Finding a spectacular sale on something you've been wanting can easily throw you off course. Stay strong and stick to your budget. And don't apply for store credit cards you don't need just to get a one-time discount.
- Using credit recklessly. Limit the use of credit for holiday spending. If you must use credit, use only one card-preferably the one with the lowest interest rate-and leave the rest at home. Pick a date when you can pay off your holiday credit card bills, and commit to paying off the balance by that time. Be sure to check statements for unauthorized charges and report them immediately.
- Throwing away your receipts. Not only will you need them for possible returns, you'll need them to keep track of what you've spent and to compare with your credit card statement. Knowing how much you spent will help you plan for next year, too.
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Product Feature:
Bounce Protection
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At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient, and potentially an embarrassing experience. At Four Corners Community Bank, we do not encourage overdrafts; however, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That's why we provide Bounce Protection, a special overdraft service for our customers.
Learn more about Bounce Protection here.
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Four Corners Community Bank
500 West Main Street, Suite 101 | Farmington, NM 87401
NM: 505.327.3222 | CO: 970.565.8421 | Toll free: 1.855.547.3222
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