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   Your Community Bank's eNewsletter                    February 2020
Dear friends ,  

This year is going to be big for us. Namely, we're celebrating 20 years of service to you, and we're rebuilding our original home (ironically on 20th St. in Farmington). Learn more about that here. We are fortunate to be in a position--20 years later--to reinvest in our community through this project. And you're part of that success. We thank you for being a part our of story, past and present. Note the dates below and join us in celebration.
Happy birthday,
Sheila Mathews | President and CEO

Save the Date: You're invited!
Annual customer appreciation (all day)
3.2: Join us for our 20th birthday and customer appreciation in all branches 

Business After Hours (5:00-7:00 p.m.)
3.12: 77 West Main Street in Cortez
3.26: 500 West Main Street in Farmington
3.25: Social Security Optimization for Business Owners
Join Charles Randall with Batie and Company Capitol Management at the Durango Chamber's Lunch and Learn  on March 25. Learn how social security benefits are calculated, the best time to start benefits, tactics to maximize benefits, and tax efficient  strategies. Questions? Reach Charles at  575.644.5452 or More to follow next month. 
Mortgage Department News 
Congratulations to FCCB's mortgage team for receiving 2019 Top 20 Loan Officer Award for New Mexico with our mortgage investor, United Wholesale Mortgage! (This team was actually in the top TEN in the state for pur chases.) Very well done, Kristi Jaquez (left), Jessica Platero, Janice Huffhines, and Brian Huffhines (back)! Thinking about buying a home? Here's your star team.   
Customer Corner: Upcoming observances
All FCCB locations will be closed:
Monday, February 17 in observance of Presidents Day

2.2-2.8: Tax Identity Theft Awareness Week
2.24-2.29: America Saves Week
3.1-3.7: National Consumer Protection Week 
Insight: Seven ways to improve your credit score 
  1. Request a copy of your credit score report, and make sure it is correct.  Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for loans, such as a mortgage. E veryone is entitled to receive a free copy of his or her credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission's website,, or call 1.877.322.8228.
    Note that you may have to pay for the numerical credit score itself.
  2. Set up automatic bill payments. Payment history makes up 32 percent of your VantageScore credit score and 35 percent of your FICO credit score. The longer you pay your bills on time, the better your score. Avoid missed payments by setting as many of your bills to automatic pay if possible.
  3. Build credit through renting. VantageScore's scoring model--created by the three major credit bureaus--will now weigh rent and utility payment records. This will allow it to score as many as 35 million people who previously couldn't get a credit score.
  4. Keep credit cards and 'revolving credit' balances low. Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. You often can increase your scores by limiting your charges to 30 percent or less of a card's limit.
  5. Apply for and open new credit accounts sparingly. Keep this in mind the next time a retailer offers you 10 percent off if you open an account. However, if you need a new line of credit, don't jump at the first appealing offer; compare rates and fees offered through mail solicitation, via the web, and at your bank.
  6. Don't close old, paid-off accounts. According to FICO, closing accounts can never help your score and can in fact damage it.
  7. Talk to credit counselors if you're in trouble. Using legitimate, non-profit credit counseling can help you manage your debt and won't hurt your credit score. For more information on debt management, contact the National Foundation for Consumer Credit (
Product Feature: New online banking term translations
  • View account: List of all accounts, view transactions and account activity
  • Move money: Transfer funds, setup Bill Pay and manage payees, see pending and recurring transactions
  • Deposit checks: Access this feature on a mobile device or tablet to deposit checks remotely
  • Manage cards: Turn your FCCB cards "off" here if it is misplaced; turn back "on" once found
  • Find locations: Find a branch nearest you on the interactive Google map. View our locations, hours, and contact info
  • Messages: Send secure messages to the bank; responses will appear there too
  • Manage alerts: Setup custom account alerts and determine what account changes you'd like to be notified about
  • Reports: Create custom account reports using various parameters
  • Documents: View eStatements
  • Log out: Always log out of your online banking session!

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
TheBankForMe .com | NMLS# 452405