Financial Planning


Fiscal Fitness for Older Americans…

The FDIC has published a handy how-to guide titled “Fiscal Fitness for Older Americans: Stretching Your Savings and Shaping Up Your Financial Strategies”. The guide includes practical tips and information on: sources of funds during retirement and potential pitfalls to avoid; protecting against financial frauds that target the elderly; simplifying and organizing finances; what to consider before giving others access to bank accounts and safe deposit boxes; and things seniors (and everyone else) should know about FDIC insurance. The publication also features retirement for seniors, and a list of government resources (including some from the FDIC) that older Americans and their families can turn to for help on financial matters. Click here to get your copy of “Fiscal Fitness for Older Americans: Stretching Your Savings and Shaping Up Your Financial Strategies”.


Taking Control of Your Finances…

Another FDIC publication titled “Taking Control of Your Finances: A Special Guide for Young Adults” was released in Spring 2005 and is available in a .pdf format. It features common mistakes young adults make with money and how to avoid them; a financial to-do list young people can consider at key stages of their life; and a quiz based on the information presented in the special guide. Other articles cover topics such as identity-theft protection, credit cards, checks and checking accounts, and electronic banking services that young people might find attractive. Click here to get your copy of “Taking Control of Your Finances: A Special Guide for Young Adults”.


News Alerts

Click Here for FTC FACTS for Consumers


Phishing (pronounced “fishing”) is the act of using seemingly legitimate email messages and websites to deceive consumers into disclosing sensitive information such as bank account information, Social Security numbers, credit card numbers, passwords, and personal identification numbers (PINs). Such messages may even contain valid looking “from” email addresses, bank logos, web links and graphics to mislead recipients. In most attempts, the fraudulent message will request that recipients “update” or “validate” their financial or personal information in order to maintain their accounts, and direct them to a fraudulent website that may look very similar to the website of the legitimate business. Some consumer will mistakenly submit financial and personal information to the perpetrator who will use it to gain access to financial records or accounts, commit identity theft or engage in other illegal acts. The FDIC communicates the following warnings to consumers:

  • A financial institution's web page should never be accessed from a link provided by a third party. It should only be accessed by typing the website name, or URL address, into the web browser or by using a “bookmark” that directs the web browser to the financial institution's website.
  • A financial institution will not be sending email messages that request confidential information, such as account numbers, passwords, or PINs. Financial institution customers should report any such requests to the institution.
  • Financial institution web pages that request sensitive data should be encrypted, protecting against disclosure to third parties. For example, on Citizens State Bank online banking pages, customers can click on the following log to ensure security:


For a better understanding of phishing and identity theft, consumers should refer to the following resources distributed by the Federal Trade Commission (FTC)


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