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   Your Community Bank's eNewsletter                           August 2019
Dear all,

Exciting news--our 20th Street location will undergo a complete rebuild! We're in the beginning stages of prepping the building and property for demolition. Rest assured, we will maintain service out of a mobile unit that will be located just behind the existing building. Read complete details here. Thank you in advance for your patience. We are excited to share a more modern banking experience with you! 
Sheila Mathews | President and CEO
Congratulations Sheila Mathews!

Celebrating 20 years
President and CEO, Sheila Mathews celebrated 20 years with FCCB on August 4, 2019. The bank opened for business eight months later, and is still going strong today! 

Customer Feature: Calvin Mathews enjoys new home and views
Congratulations Calvin and thank you for the sunrise photos from your new home. May it provide you with many years of enjoyment, a peaceful retreat from the busy world, and room to roam!
- Mortgage Lender, Janice Huffhines
This is what I woke up to.
Thank you, Calvin Mathews
M&R Trucking Inc.
Community News: Around the Four Corners 
Big Brothers Big Sisters of San Juan County's Bowl for Kids' Sake was a big success! Thanks to Chrystina Fincher, Loretta Jaramillo, and Angelina Chavez for representing Team FCCB!

Roger LaHart and Joshua Bollacker attend the festivities at San Juan Country Club for the San Juan Open Golf Tournament. FCCB was a hole sponsor again this year, benefiting The First Tee of San Juan County and the Boys and Girls Club of Farmington.  

Shawn Candelaria teamed up again with Gene and Jason Fisher of Armadillo Storage for Men Who Grill in Durango. The group made a few hundred Mai Tais and won best use of local ingredients. Proceeds benefited the Women's Resource Center of Durango.

FCCB is honored to support the National Fallen Firefighters Foundation and Farmington Fire Department's Second Annual New Mexico 9.11 Memorial Stair Climb at Ricketts Park on 9.14.19. Participants will climb 110 flights of stairs to finish the journey that 343 rescue workers could not. President and CEO, Sheila Mathews presented the check to Farmington Fire Fighter, Gary Groomer.

Customer Corner: August observances and upcoming events 
An FCCB-sponsored homebuyer education class is scheduled in Cortez on Saturday, 8.17 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.

8.21: National Senior Citizens Day
Insight: 7 tips 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 other loans--such as a mortgage. Everyone 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. (You may have to pay for the numerical credit score itself.) 


2. Set up automatic bill pay. 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 as possible. 


3. Build credit through renting. VantageScore's scoring model, created by the three major credit bureaus, now weighs 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 balances low on credit cards and revolving credit. Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. You 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 only as needed. 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, online, or 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: Technology enhancements 
If you haven't already heard the good news,  CLICK HERE  to learn about the exciting changes that are coming to all FCCB customers on December 6, 2019. Check for upcoming details and announcements. 

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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