The weather is warming up and summer vacation is on your mind.
Make sure those plans include a visit with staff at Citizens
Security Bank and Trust before setting out on a summer
Find out the safest way to travel to ensure you don't run out of
cash or lose valuable credit information. Your vacation is your
time to relax, let us help ensure you have that peace of mind.
To help, ICBA offers these tips to consumers about what
they need to take care of before they take off on vacation:
- Let your community bank know when and where you will be
traveling so that you will avoid any potential for fraud alerts
when out-of-the-ordinary transactions are posted.
- Call or stop by your community bank to find out what ATM or
debit card fees you may be subject to in this country and
- If you're traveling overseas, keep in mind that ATMs in many
countries only accept four-digit personal identification numbers
(PINs) and some countries have keyboards with numbers only, while
others do not acknowledge zeros. Ask your community bank if you
should create a new PIN for your account before you take your
- Carry a back-up card that you keep in a separate place.
Families or couples may get even greater back-up coverage if each
person takes a different card.
- Make copies of all the cards you'll be carrying. Be sure to
copy the front and back of the card. Take a copy with you and give
a copy to someone you trust back home. Be sure to also include the
security code for the card and the customer-service phone
- Bring a list of emergency phone numbers, but remember, 800
numbers can only be used in the United States and Canada. Be sure
to get a number for your bank that you can call if you're out of
- Many credit cards provide travel accident insurance and
traveler's assistance. Ask your community bank what special
services are available through your card.
- Check your balance before you leave. Know the limits on how
much you can withdraw. Save all your receipts.
"Whether your destination is overseas or closer to home, it
really is better to be safe than sorry. And your community bank can
help you make sure that you're safe," Marranca said.
For more information about what to do if you your card is lost
or stolen or if you need additional help, visit
Financial Preparedness In a
Citizen Security Bank is dedicated to providing financial
preparedness tips to our customers in the event of a disaster or
emergency. If a disaster happens, CSB wants you to be
prepared. Our primary objective during these times of duress
is to ensure our customers can regain normalcy. Independent
Community Bankers of America (ICBA) offers the following tips to
help consumers prepare before an emergency occurs.
- Keep marriage and family records, including adoption papers,
property deeds, birth certificates, account numbers, car titles or
lease contracts, bank and investment account numbers and three
years of tax returns in the bank safe-deposit box. Put each
of these documents in a sealed plastic bag to keep out
- Make and safeguard additional official copies of critical
documents such as birth certificates, adoption papers, marriage
certificates and the deed to your home for safekeeping and notify a
trustee, close relative or attorney where your important financial
information is located.
- Keep names and contact numbers for executors, trustees and
guardians in a safe place, either in your safe deposit box or with
a close relative.
- Take an inventory and keep a list of household valuables.
Taking photographs of these items can help as well.
- Start and regularly contribute to an emergency fund that can
cover at least three or four months of expenses. This fund
should be separate from your savings or investment account.
- Include extra cash in your home emergency kit, which should
include a three-day supply of water, food, a first aid kit, can
opener, flashlights, radio and extra batteries.
- Identify the records that you keep only on computer. They
may not be available if electrical power fails, so make a printout
and safeguard them or back them up on an external device or web
- The web can serve as a supplement or back up to paper
copies. Scanned or other electronic documents can be attached
to emails and stored in your email account or with secure online
- If you feel flood insurance may be necessary to protect your
home, start shopping around. Contact your insurance agent or
visit FEMA's website at www.fema.gov for more
For more information and resources, including a copy of the
Emergency Financial Preparedness Guide, visit the consumer
education and resources section of www.icba.org.