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   Your Community Bank's eNewsletter                   September 2019
Dear all, 

COMING SOON: We are in the process of developing a new website, with you in mind. Soon, will look completely different. (Online banking itself will not change until our technology enhancement is complete in December.) You will still be able to access online banking via the homepage like before, but the content has been simplified. It'll be easier to find what you need and connect with us. The official go-live date is pending, but could be as soon as the end of September. We think you'll be pleased. Of course, if you have any questions please give us a call or send a message via the Contact tab, and we'll get back to you ASAP.  
Sheila Mathews | President and CEO
Customer Feature: Shanon and Amy Haun 

Shanon and Amy Haun recently purchased a new home with a terrific garage/shop, which now houses Shanon's automotive repair business, AQR Automotive LLC in Flora Vista.

Congrats, Shanon and Amy! Thank you for entrusting FCCB with your home purchase. Looks like you're all set! 

Bank Updates 
Sheila celebrates with staff at her surprise 20th "bank-aversary" breakfast potluck.
We're making progress on the remodel at our 77 West Main Street location in Cortez. The new dialog banking kiosks have been installed, which  will allow us to provide more personalized service. The  cash recyclers  will simplify the transaction process, and provide additional security features. 
Community News: Around the Four Corners 
FCCB was proud to sponsor the money hunts at the Montezuma County Fair again this year. It is arguable who had more fun. 
"Champ" is a frequent visitor and likes to chomp his treats on the desk at 343 East Main Street in Cortez.  

Team FCCB participated in The First Tee of San Juan County's eighth annual corporate challenge tournament at Riverview Golf Course in Kirtland. Proceeds support The First Tee's youth development programs in San Juan County-over 9,000 reached!

Customer Corner: Upcoming observances
September: College Savings Month and National Preparedness Month
9.8: National Grandparents Day

October: National Cyber Security Awareness Month, National Crime Prevention Month, and Family Health Month
10.7-10.11: Customer Service Week and Financial Planning Week
10.14: All FCCB locations will be closed in observance of Columbus Day
10.17: Get Smart About Credit Day
Insight: Six tips for saving for a down payment 

1. Develop a budget and timeline. Start by determining how much you'll need for a down payment. Create a budget and calculate how much you can realistically save each month-that will help you gauge when you'll be ready to transition from renter to homeowner.  


2. Establish a separate savings account. Set up a separate savings account exclusively for your down payment and make your automatic monthly contributions. By keeping this money separate, you'll be less likely to tap into it when you're tight on cash.  


3. Shop around to reduce major monthly expenses. It's a good idea to check rates for your car insurance, renter's insurance, health insurance, cable, internet, and cell phone plan. There may be deals or promotions available that allow you to save hundreds of dollars by adjusting your contracts.


4. Monitor your spending. With online banking, keeping an eye on your spending is easier than ever. Track where most of your discretionary income is going. Identify areas where you could cut back like meals out, vacations, etc. and put that money into savings.


5. Look into state and local home-buying programs. Many states, counties, and local governments operate programs for first-time homebuyers. Some programs offer housing discounts, while others provide down payment loans or grants.


6. Celebrate savings milestones. Saving for a down payment can be daunting. To avoid getting discouraged, break it up into smaller goals and reward yourself when you reach each one. If you need to save $30,000 total, consider treating yourself to a nice meal every $5,000 saved. This will help you stay motivated throughout the process.

Product Feature: Merchant processing services 
Benefits of our point of sale merchant services:
  • Acceptance of Visa, Mastercard, and Discover
  • Mobile wallet acceptance available
  • EMV chip card acceptance
  • Competitive pricing 
  • No-obligation rates analysis of your current provider
  • No hidden fees
  • 24-hour application approval
  • Next-day equipment settlement of funds
  • 24/7 technical support
  • Online account viewing 
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