7 Steps to Financial Security
Ambition is great in many things, but setting your sights too high can backfire. To make big goals happen, it's important to take them one step at a time — and celebrate your achievements along the way.

Dave Ramsey has seven " baby steps " he recommends people take on the path to financial fitness.

Baby Step 1: Amass a $1,000 emergency fund
Start by making sure you have some backup savings ready. If your car breaks suddenly, or you have some expensive health problems, it won't immediately wipe you out if you have an emergency fund to fall back on.

Baby Step 2: Pay off your debt with the  debt snowball method
Start with the smallest debt you have to pay off and move up from there. By tackling the feat of paying off your entire debt (except for the house — that comes later) one loan at a time, you'll little by little work your way towards financial fitness.

Baby Step 3: Save up enough money to cover 3-6 month's worth of expenses
Once you've paid off your debts, saving will come much more easily. Build up that emergency fund to the point where if you lost your job, you'd have several months before you really felt the effect.
Introducing Touch ID for CardValet!
The newest version of CardValet will support iPhone Touch ID and Android Fingerprint for devices enabled with this option. 

When Touch Login is enabled, cardholders are prompted with the Touch ID/Fingerprint option when they try to log in. When a match is found with the fingerprints stored on the phone (authenticated by the operating system), the cardholder is logged in to CardValet.

Cardholders can disable the Touch Login option at any time in Mobile App Settings or on the login screen or CardValet Settings.

Does your business need a line of credit?
In a changing business landscape, you need flexibility — and that includes spending flexibility.

Our business lines of credit boost your cash flow on an ongoing basis. Handle seasonal fluctuations, take advantage of opportunities as they arise, and more.

Easy application process and terms are customized to you! 
Apple Phishing and Smishing
The bad guys love to spoof companies that we’re all familiar with. If you’re an Apple customer, you know they send emails on a regular basis, and this might make you inherently less suspicious of anything appearing to come from Apple.

Lately there’s been an increase in “Apple” scams. One of these phishing scams appears as a fake email invoice for your “recent Apple purchase”. Another scam is a “Reminder” email notifying you of an account login from an iPad in Monaco. The third, and possibly most attention-grabbing scam, is a smishing attempt informing you (via text message) that your Apple ID is expiring today. Any Apple user knows how vital an Apple ID is, and these hackers are purely relying on shock factor to hook their victims.

Always Remember : If you get a suspicious email or text from an account or online service that you use, log into your account through your browser (not through links in the email) to check the validity of the information presented in the suspicious email.

Let's stay safe out there!

Stop, Look, and Think.  Don't be fooled.

Each week, we will be highlighting a current scam facing the country. You can find all of these messages on our blog: https://www.fnbmwc.com/advice-planning/education/blog/
Thank you Choctaw for voting us as Best Bank in Choctaw for the 7th year in a row. We are honored to serve such a resounding community! 

Congratulations to our business customers who won their industry categories as well. Making your business our business is what drives us!
If your current auto loan interest rate makes you pucker, it's time to drive it over to FNB Community Bank!

Finance your new ride with a no-hassle auto loan, and show up at the dealership pre-qualified for real bargaining power. We promise competitive rates and affordable monthly payments, with quick decisions to get you rolling in no time. 

Auto Loans start at 2.99% APR*

* Annual Percentage Rate (APR) for qualified borrowers with approved credit and auto debit from FNB Community Bank account, on new loans, or refinance of non-FNB Community Bank loans. Model year limits may apply.
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