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   Your Community Bank's eNewsletter                    January 2020
Dear  all,  

The entire FCCB family is deeply saddened to say goodbye to our dear friend and founding board member, Ed Armstrong. Ed passed December 6, 2019. He was a dedicated, engaged, and conscientious member of the bank's board of directors since its inception in 2000. He leaves us with many fond memories and a legacy of leadership. Ed's presence at FCCB is irreplaceable. We extend our heartfelt gratitude for his tireless service and friendship. 

Our sincere gratitude to Ed, 
Sheila Mathews | President and CEO
Customer Feature: Durango/Aztec Urgent Care
Durango and Aztec Urgent Care owners Mike and Holly Andersen and Bryan Vincent share their story in their customer story

20th Street Location Updates
This ATM will be replaced with a brand new one!
FCCB rece ntly completed demolition of the 47-year-old 20th Street branch in Farmington, NM (that FCCB acquired in 1999). The rebuild will start immediately, with project completion expected within the year-which is also the bank's 20th anniversary year (officially March 1, 2020).  Read more from our latest 20th St. press release here. 

REMINDER: NM Saturday branch location change notice
Our East Main Street branch will be open Saturdays from 9:00 a.m. to 2:00 p.m. during the construction. 
FCCB in the News
FCCB was sourced for its conscientiousness regarding catering to millennials in terms of advancing technology in this recent article in  Banking Exchange (a leading source for community banks): Four Corners Community Bank Refers to Millenial Employees as a Consideration in Choosing Fintech Partners  ( Banking Exchange
Community News 
Downtown Farmington's revitalization project underway

FCCB celebrated with City of Farmington officials during their downtown revitalization project groundbreaking. FCCB's main office location (at Auburn), is scheduled for the second phase. As the project progresses, please continue to visit the affected businesses.

Customer Corner: Upcoming observances
All FCCB locations will be closed:
Monday, January 20 in observance of Martin Luther King Day
Insight: How to talk to your kids about money 
If they are old enough to ask for a toy, your kids or grandkids are old enough to learn financial lessons. The best lessons are part of everyday experiences, such as those below. Be open and honest when you discuss your financial experiences-good or bad.
At the bank: Bring your children with you to the bank. Show them how transactions work. Explain how the bank operates, how money generates interest, and how an ATM works. 

On payday: Discuss how your pay is budgeted to pay for housing, food, and clothing, and how a portion is saved for future expenses such as college tuition and retirement.

At the market: It's easy to give clear examples of "needs" and "wants" using different kinds of foods at a grocery store. Milk is a need; soft drinks are a want. Explain the benefits of comparison shopping, coupons, and store brands.

Chores and allowances: Assign chores and give them a monetary value. Discuss ways to budget and divide allowances. Encourage children to set a financial goal, such as saving for a bike.

Paying bills: Explain the ways that bills can be paid: over the phone, by check, electronic check, or online check draft. Discuss how each method of bill pay takes money out of your account. Discuss late penalties and how that impacts credit scores.  

Credit cards: Explain that credit cards are a loan and need to be repaid ASAP. Share how each month a credit card statement comes in the mail with a bill. Go over the features of different types of cards, such as ATM, debit, and credit cards.

Planning a vacation: Emphasize the value of saving as a family. Set a family savings goal that involves your children. Determine the cost and discuss ways everyone can help to reach the goal.
Product FeatureAll-new mobile banking 
Download FCCB's all-new mobile app (available in your app store), and e njoy a seamless experience between mobile and online banking, no matter what device you use. The new app contains all the same features, and more! 
    • Previous mobile banking Apple users can simply update their app to the current version. 
    • Previous mobile banking Android users must uninstall the old version and reinstall the new one. 
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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