On September 17, 2016, Huron Valley State Bank , the Milford Downtown Development Authority and River's Edge Brewing Company brought to the community the second annual "CURRENTS".  The one-night showcase featured Irish-inspired Stone Clover and the powerhouse vocals of Nina and the Buffalo Riders .  
CURRENTS first turned up the dial with Stone Clover, a Detroit-based Irish rock n' roll band, then taking the stage later in the night, Nina and the Buffalo Riders delivered a high-intensity set closing with an incredible set of vocals to "Stairway to Heaven".  Throughout the night, attendees had the opportunity to enjoy Mediterranean Blue Grill, a food tent on site and many over 21 years of age went across the street to River's Edge Brewing Company to "grab a growler and go" before heading over to the amphitheater for an evening of music and revels.  

"CURRENTS brings a new type of edgier music from original artists  into downtown Milford.  Not only is it a night of free entertainment for the community, but it is also an opportunity for those from other cities to experience the great things Milford has to offer," said Jack Shubitowski, president and CEO of Huron Valley State Bank. "Stay tuned for the 2017 date for the third annual CURRENTS."   
Huron Valley Promise Issued  
Ten Grants to Area Students  
The Huron Valley Promise paid out ten (10) $200 grants to local Huron Valley families with kindergarten aged children this past September. The grants are used to help parents pay for college or vocational training.

The Huron Valley Promise was created in 2009 by a group of area business, education, government and civic leaders dedicated to improving the future of all Huron Valley students and the Huron Valley community. It is a financial support system designed to initiate savings accounts to be used for post secondary education.

To be eligible, parents must have a child who is 6 years of age or younger in the Huron Valley District. The parents must open a 529 Michigan Education Savings Program account for their child with a $25 minimum deposit. Those that have applied will receive a $200 one time contribution from the Huron Valley Promise.

"According to research, the high paying, lower skilled jobs that required only a high school diploma will be practically obsolete for today's kindergarten class graduates. The need for an education beyond high school is critical to meet the demands of our global economy" said Nancy Coratti, Interim Superintendent of the Huron Valley Schools. Their goal is to give 100 children $200 grants for state savings accounts. "We still have the opportunity for many more families to take advantage of the Huron Valley Promise Program".

"Many parents think that college is not an option for their child. The Huron Valley Promise makes it possible. With the power of compounding interest, even a small investment in the child's account can grow into a larger fund once they graduate," said Jack Shubitowski, a Promise Committee member and President and CEO Of Huron Valley State Bank.

For more information or to apply for a promise grant contact Sheri Miles at 248-922-6987. The child must be 6 years of age or younger and enrolled in Huron Valley Schools. A $25.00 initial deposit must be made into a new or existing MESP Account.
Meet Our Bankers
Amanda Hepola Gomez
Next time you're at the Highland Branch, be sure to say hello to Amanda Hepola-Gomez.  Amanda is a Customer Service Representative and responsible for helping our customers with their financial transactions.   She started working at the bank this past May.

"Everyone from my fellow employees to our customers are really friendly.  I have enjoyed being a part of the Huron Valley State Bank team," said Amanda.

Outside of work she enjoys spending time withe her family, cooking, hiking and reading.  Watching her daughters volleyball games is one of her favorite things to do.
Halloween Events Around Town
On October 29, 2016 be sure to bring the kids and visit Huron Valley State Bank at the following events:
  • Boo Bash (Downtown Milford Trick Treating) from 5:00-6:00 pm

  • Halloween at the YMCA from 6:00-8:00 pm
Traveling Out of State?  Contact the Bank
Please contact the bank if you are planning to travel out of state to avoid the interruption of your debit card.  We also can advise you how to best conduct your transactions (signature vs. PIN in certain states).
How to Spot and Avoid Common Phishing Scams
Here are some of the most common phishing attacks (in no particular order) and what to do to avoid falling victim to them:

Pharming. This is when a website's domain is hijacked and is used to redirect unsuspecting website visitors to a fake site. Primarily this type of scam intends to steal credentials and sensitive information by asking the user to enter details into a form. A domain is essentially the street number and street name of a website and usually comes after the "http" or "www" of a site name and before the ".com."
  • To avoid this, get into the habit of not clicking links in email messages that you are not 100% certain are legitimate. Hover over the URL to confirm the web address of the site and make sure it goes where you expect. If you think it should go to PayPal.com, but it goes to PayPalConfirmations.com, it should be considered very suspicious.
Deceptive or Generic Phishing: This involves email messages being sent asking users to enter information into a form or re-enter details. It can also ask for payments. Often they appear to come from a known sender and are difficult to identify as fake. However, the sender may be unknown as well.
  • Avoid this by paying attention to the greetings. If they are generic or make little sense to you, do some additional verification. If the request asks for information that should already be in your account details, go directly to your account and do it there. Don't fill out forms that pop up as a result of a clicked link or in an attachment, regardless of what type of attachment. Just get into the habit of immediately deleting email messages from strangers that ask you to click a link or open an attachment. It's safer that way.
Spear-phishing:  This is more sophisticated than deceptive, or generic, phishing and typically more difficult to detect because they may come from a supervisor or manager, a co-worker, a vendor, or service provider among others with whom you may do business. Often it appears the message comes from an executive or high-level manager. The information the cybercriminals use may be found on social networks, business networking sites, or various other information sources. They usually ask for banking details or other sensitive information and in some cases, ask for money to be transferred somewhere that typically ends up in the criminals' pockets.
  • Avoiding these may be a bit trickier. The hackers are getting more creative and more detail-oriented at targeting us for phishing. If they ask for sensitive information such as payroll details or social security numbers, or ask for money to be wired, take that extra precaution and call the sender to confirm before doing anything else.
Shared drive phishing: This refers to any location where shared documents may be stored such as Google Docs, iCloud, or Dropbox.  The intent may be to gather sensitive details, but could also be to install malware on your system. Often the landing page is a real page such as on Google Drive. They may intend to get login credentials for your Apple account or Android applications or any other account details that may be valuable to them or they may be trying to get you to  execute malware.
  • Avoid this by using multi-step verification and verifying with the sender that the request is legitimate. Look for typos and poor grammar and be 100% sure you are responding to a real request before taking any action.
Phishing is serious business. So much so that the cybercriminals use big names in hopes of tricking you and they succeed far too often. Company names used for phishing include Apple, PayPal, eBay, and of course Microsoft. Companies where users fell victim are no small phish either. They include Target, Snapchat, WhatsApp, and Etna.

Remember the key to knowing if it's safe to open an attachment or click a link that is emailed is if it is expected or a complete surprise. If you are expecting it, it's probably just fine.

Source: https://www.stickleyonsecurity.com/sos_examples.jspx?sosnoteid=1263
Fun Money Fact
Monopoly money is printed more often than real paper currency!
Huron Valley State Bank