December 13, 2018
Tis the Season!
Another year comes to a close and we are looking forward to 2019. Watch for us to roll out new products, Kasasa® consumer checking options, coming in February. These rewards accounts will offer you the choice of earning a competitive interest rate, cash back each month or free tunes for your smart phone. I think you’ll be pleased!
Junior Achievement recently announced their 2019 Business Hall of Fame Laureates and I am honored to be recognized along with Mike Wilson, Beth Anne Branden and Rob Briman. I admire these Topeka entrepreneurs and am humbled to be a part of this group. Recently, I had the pleasure of talking to Jardine middle-schoolers on Junior Achievement Entrepreneurship Day about my experience as a local business owner and the risks and rewards encountered on this journey. My presentation included the importance of saving for the future and growing up in a family business. I was fired 3 times AND quit 4 times during my teen years before finally embracing my destiny. Other teaching moments - staff members Shane Koci, Online Banking Services Manager and Anna Feldt, Gage Customer Service Rep, hosted the Indian Hills School 5th grade classes at Jayhawk and Southwest as a part of their Soar City Economics Field Trip. Our staff discussed how a bank runs, jobs in a bank and the element of competition. Shane and Anna were impressed with their curiosity and questions.
Please be sure to stop by any SLB branch a couple of weeks before Christmas, pick up a calendar and enjoy some caramel popcorn (while supplies last!).
As your bank, we strive to provide you with ongoing support, far beyond your initial transaction needs. We call that ‘Banking & Beyond’ and I hope each one of you has experienced this first hand at SLB. Thank you for your business, your loyalty and support. We would not be in business today if it weren’t for you! On behalf of all Silver Lake Bank Staff, our very best wishes to you and your family this holiday season.
Thank you for being our Customer.
Patrick R. Gideon
Here is some great advice from our friend Dr. Maren Turner, State Director at AARP Kansas:
Season of Scams
As we enter the holiday season, once again it pays to be vigilant to avoid scams or slip-ups that could put a damper on your celebrations. Here are some ways to keep your holidays happy.
Watch out for deals. Be wary of those too-good-to-be-true deals, especially those that show up as links on your social media feeds. Check out reviews, search the retailer’s name with “scam” to see what comes up, and if it’s a retailer you already know and frequent online, go directly to the website rather than clicking on a link. And study links carefully. Often they don’t go to the site you think they would.
Public Wi-Fi risks. Making purchases online while on public Wi-Fi is dangerous. Only shop on public Wi-Fi if you have a “Virtual Private Network” on your device and it is turned on. When you do shop online, stick with credit cards. You are liable for only up to $50 of fraudulent use, but your financial loss with a stolen debit card could be much higher.
Sign for those package deliveries. Watch out for phishing scams claiming to be from UPS, FedEx and the US Postal Service asking you to click a link to solve a delivery issue. Require a delivery signature so packages aren’t left outside for a thief to grab, or indicate a safe place for the delivery company to leave packages.
Be mindful when applying for temporary holiday jobs. Bogus online job applications for holiday help ask for personally identifiable information, especially your Social Security number. Don’t share your number with anyone unless you absolutely have to, and never provide it until you confirm you are dealing with a real organization looking for employees. And if you see a seasonal job in the newspaper, and are suspicious, look up the company’s phone number online and call that number, rather than the one in the ad.
Use caution when buying gift cards. Thieves can hit store gift card racks, secretly write down or scan the numbers off the cards, then check online or call the toll-free number to see if someone has bought the cards and activated them. As soon as a card is active, the scammers drain the funds. By the time your gift recipient tries to use the card, the money is long gone. Safely purchase gift cards directly from the store clerk – and ask them to scan the card to make sure it has the correct value.
Charity scams. Legitimate charities make a big push at year-end for last minute annual donations. Scammers know this, and make their own end-of-year push to line their own pockets. Check the charity before donating at charitynavigator.org or give.org, and make sure your donation is going to the charities that really are using your money for good.
Romance scams. A perennial scam, the romance scam heats up around the holidays. Watch for people you meet on dating sites who quickly want to take your conversation offline, who may resist talking on the phone, who say they are abroad and can’t meet you in person, and eventually ask for money – to buy a plane ticket to come see you, or to help with a business venture, for example. Online dating can be fun and exciting – but beware of those who have money, and not love, on their minds.
When it comes to fraud, vigilance is our number one weapon. You have the power to protect yourself and your loved ones from scams. Please share this alert with friends and family.
Dr. Maren Turner, State Director