Your Community Bank's eNewsletter                              July 2017
Dear Friends, 
This can only be a good sign!
   
With the summer upon us, our attention often turns to summer breaks filled with swimming dates, barbecues with family, fire works, and warm pleasant evenings. I share these seasonal pleasures with you. In fact, as a community bank, all FCCB staff do too! Bank staff all live and work within the 100-mile radius of each other. This means your money stays in the communities we live, work, and play-where it does the most good. Thank you for trusting us and contributing to the health of our communities. Enjoy your summer. 

Save some watermelon for me!       
Sheila Mathews | President and CEO    
Customer Feature: fb organics and Run+Hike  

Community News
FCCB serves up a feast at Men Who Grill in Durango   
This was FCCB's first year participating in Men Who Grill, benefiting the Durango Women's Resource Center. Grill masters (from left)  Gabe Harrington, Gene Fisher, Grant Kuft, Ben Fisher, Shawn Candelaria, and Elise Savastano (not pictured) were awarded the Lad ies Choice Award and Grilling Under the Influence for their spirited contributions including ribs and beans. 
FCCB Sponsors Ute Mountain Rodeo in Cortez

 
FCCB proudly provided platinum support for the 2017 Ute Mountain Rodeo in Cortez. Pictured here: Ute Mountain Rodeo Queen  Tegan Duncan, Miss Rodeo Colorado 2017 Kelsie Winslow, and other rodeo participants smile along with FCCB staff at its 77 West Main Street location in Cortez. 

Congratulations to API gift card drawing winners! 
Three $500 gift cards to Sportsman's Warehouse were awarded to API tournament players courtesy of FCCB, M&R Trucking, and HB Rental. Enjoy gentlemen, and thank you-and everyone- for stopping by our hole! 
Pete Buckles, 
PESCO
Scott Butler, 
Western Refining
Jeremy Grabow, 
Conoco Phillips
San Juan County Board of Realtors' Summer Food Drive a Success 
Food donations were collected at all New Mexico FCCB locations for six weeks for the purpose of helping feed k ids who depend on school-provided meals during the summer. Donations will go to Echo Food Bank to help area summer food programs. Thank you to all those who contributed! As you can see, the final turnout was impressive! 













Pictured: FCCB President and CEO, Sheila Mathews along with members of the San Juan Board of Realtors,  Anita Hagen with Dimmick Realty (left), and Kimberly Prado with Real Estate Matters. 
Customer Corner

Thank  you , Amber, and congratulations!  We share in your excitement and will get the fireworks and music set for your next visit! 

Jesse and Sarah Hanson celebrate at their mortgage closing. 
Congrats, Hansons, and welcome to the area. 
Hope your new home suits your growing family!   
6 Financial Traps New College Graduates Should Avoid
Debt and living expenses can affect young adults' ability to seek major life events like getting married or buying a home. It's critical for new college graduates to focus on their financial future. The American Bankers Association and FCCB offer these six traps new college graduates should avoid to ensure their financial success as they transition from the dorm room to the office: 
  • Ignoring your budget. Supporting yourself can be expensive, and you can quickly find yourself struggling financially if you don't take time to create a budget and live within your means. Calculate the amount of money you're taking home after taxes, then figure out how much money you have each month while contributing to your savings. Be sure to factor in recurring expenses such as student loans, monthly rent, utilities, groceries, transportation expenses, and car loans.  
     
  • Accumulating debt. Understand the responsibilities and benefits of credit. Shop around for a card that best suits your needs, and spend only what you can afford to pay back. Credit is a great tool, but only if you use it responsibly and live within your means.
     
  • Neglecting retirement. It may seem odd since you're just beginning your career, but now is the best time to start planning for your retirement. Contribute to retirement accounts like a Roth IRA or your employer's 401(k), especially if there is a company match. Invest enough to qualify for your company's full match; it's free money that adds up over the years. Automatic contributions quickly become part of your financial lifestyle without having to think about it.
     
  • Thinking you're invincible. Hardships can happen in a split second. Start an emergency fund and do your best to set aside the equivalent of three to six months worth of living expenses. Start saving immediately, no matter how small. Make saving a part of your lifestyle with automatic payroll deductions or automatic transfers from checking to savings. Put your tax refund in savings.
     
  • Delaying bill payments. Each missed payment can hurt your credit history for up to seven years. This affects your ability to get loans, the interest rates you pay, your ability to get a job, or rent an apartment. Set up automatic payments for regular expenses like student loans, car payments, and phone bills. Arrange to receive notifications about upcoming bills. Contact creditors and lenders to request a different monthly due date from the one provided by default (switch from the first of the month to the 15th if that's more feasible). 
     
  • Ignoring free help from your bank. Many banks offer personalized financial checkups to help you identify and meet your financial goals. Take advantage of digital banking tools that let you check balances, pay bills, deposit checks, make automatic transfers, monitor transaction history, and track your budget.
Product Feature: Fraud text alerts
Personalized fraud protection: Partner with us to keep your personal and business account information secure. While our  fraud protection center is always keeping a watchful eye, there is an additional step you can take. Our  fraud  text  alerts provide the earliest  fraud notifications we offer. Enrolling in  fraud   text   alerts  is easy, and you should do it for each of your FCCB Visa debit and ATM cards.
Benefits of enrolling:  

-Reduces debit and ATM card fraud and the likelihood of repeated unauthorized transactions

-Puts you in greater control over fraud prevention

-Safeguards your assets

 

Message and data rates may apply based on your cell phone provider.

 
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
TheBankForMe .com | NMLS# 452405



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