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   Your Community Bank's eNewsletter                               July 2019
Dear friends,
The entire FCCB team extends its deepest sympathies to the Utley and Smith families for the loss of Katelyn Utley-Smith. Our love, support, and prayers are especially with Katelyn's mother, our Human Resource Officer, Mandy Utley during this time. We've established an education account for Katelyn's daughter, Maggie. Thank you in advance for your contributions to Maggie in lieu of flowers. For ease, you can reference "Katelyn Mariah Utley-Smith Memorial Fund FBO Maggie Smith" at any of our locations.
Sheila Mathews | President and CEO
Customer Feature: Blue Moon Diner and Porters Smokehouse
Community News: Around the Four Corners 
FCCB's Marsha Chaffin, Monica Dibsie, and Nicole Hafner were delighted to provide each recipient of the Montezuma-Cortez School District awards with a $1,000 check. Congratulations to Elementary Teacher of the Year Maxine Anderson, Secondary Teacher of the Year Kathryn Zdanowski, and Support Staff of the Year Richard Jones. 
FCCB's Rachael Swatsenbarg and Colton McClanahan (with his wife Mari) enjoy the sun and events at Riverfest in Farmington. We were proud to be a "Paddler" sponsor and appreciate the River Reach Foundation for the work they do connecting our community with our rivers! 
FCCB and M&R Trucking Inc. proudly sponsored the American Petroleum Institute Golf Tournament in Farmington for the fourth consecutive year. Proceeds from the tournament go toward scholarships for local youth pursuing oil and gas industry-related education. Always a great time! More catfish, anyone?  

CEO, Sheila Mathews presented lucky winner, Levi Candelaria of Twin Stars (left) and Freddy Proctor of Hilcorp each with a $500 gift card, co-sponsored by FCCB and M&R Trucking Inc. Both entered their names in a random drawing at the tournament.  Congratulations to Gracie Bessey and Mike Koehnen of Multi-Chem, the two winners of FCCB's and M&R Trucking's API chipping contest.  They were two of ten individuals who chipped into a small pool 45 yards away (among hundreds of attempts)! Congrats to all, and thanks for joining us!

Jackie Cook, Madeline Scott, Peggy Rogers, Monica Dibsie (and her husband, Steve) attended the Ute Mountain Roundup Rodeo  at the Montezuma County Fairgrounds in Cortez. FCCB was a Gold Buckle sponsor!
Customer Corner: July observances and upcoming events 
7.4: All FCCB locations will be closed in observance of Independence Day

An FCCB-sponsored HomesFund homebuyer education class is scheduled in Cortez on Saturday, August 17 at the Cortez School Administration Building (400 N. Elm St.) from 8:30 a.m. to 4:30 p.m. $15 material fee. Register at or call 970.259.1418 for more info.

Free Social Security Workshop
July 25, 2019 |  4:00-5:00 p.m.
500 West Main Street | Farmington, NM
For questions or to sign up, call 505.903.5060
Learn how:
  • To avoid the most comment mistakes when filing for Social Security benefits
  • To minimize taxes in retirement 
  • To use Survivor Benefits
  • To collect based on an ex-spouse's benefit 
  • To find potential unknown benefits 
  • To potentially increase your lifetime benefits 
Insight: Five ways to spot a lottery scam
1. Don't be fooled by the appearance of the check. Scam artists are using sophisticated technology to create legitimate looking counterfeit checks. Some are counterfeit money orders, some are phony cashier's checks and others look like they are from legitimate business accounts. The company name may be real, but someone has forged the checks without their knowledge.
2. Never "pay to play." There is no legitimate reason for someone who is giving you money to ask you to wire money back or send you more than the exact amount-that's a red flag that it's a scam. If a stranger wants to pay you for something, insist on a cashier's check for the exact amount, preferably from a local bank or one with a local branch.
3. Verify the requester before you wire or issue a check. It is important to know who you are sending money to before you send it. Just because someone contacted you doesn't mean they are a trusted source.
4. Ensure a check has "cleared" to be most safe. Under federal law, banks must make deposited funds available quickly, but just because you can withdraw the money doesn't mean the check is good, even if it's a cashier's check or money order. Be sure to ask if the check has cleared, not merely if the funds are available before you decide to spend the money.
5. Report any suspected fraud to your bank immediately. Bank staff are experts in spotting fraudulent checks. If you think someone is trying to pull a fake check scam, don't deposit it--report it. Contact your local bank or the National Consumers League's Fraud Center,
Product Feature: Business loan options 
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
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