How does a local community bank stack up against a big bank? We're not afraid to look at both banking options and find out which type of financial institution stands taller in the financial battlefield. Let's state the obvious equities up front: Both will provide an account holder with a checking account and a savings account, and both lend money when it's time to buy a car or take out a personal loan. Of course, there's much more to consider from a community bank or large...

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Many people prefer to use their debit card for everyday purchases because it is easier to manage your money. While you can overdraft (ouch!), you can't rack up the same amount of interest-bearing debt like you could on a credit card. Debit cards are so popular that they account for 28% of all non-cash transactions. Debit vs credit transactions You might have noticed that when you make purchases with a debit card, you have the option to run it as debit transaction or credit. This...

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If you've ever heard a story about popular retailers involved in major security breaches, it’s no wonder that credit and debit card fraud raise your concerns. You can avoid becoming a part of a breach by learning how to protect your personal finances. The security of your bank keeps your debit card and money safe. With a few precautions of your own, you can protect your accounts and keep your money easy to access and spend. Monitor your accounts Credit and debit cards might...

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Sometimes the best reward is more money in your bank account. Kasasa Cash Back accounts give you just that. When you spend money with your debit card, it benefits your bank. They make money with every swipe. There's no reason you shouldn't be earning rewards for your debit card spending the way you do with your credit cards. That's the idea behind our free Kasasa Cash Back accounts. You get rewarded in cash back when you make debit card purchases, plus a few...

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As a business owner, you have a lot on your plate. The last thing you want is for your business to fall victim to fraud. So, how can you safeguard your business? With due diligence, strong policies and procedures and a trusted banking partner, you can better arm your business from fraudsters. Here a few important tips: Always Verbally Verify Wire and ACH Instructions Once a wire transfer or ACH payment is sent, retrieving it can be extremely challenging. A single well-timed spoofed email...

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Managing your finances is a lifelong journey. You wouldn’t start a trip without directions. This list of financial wellness tips will help you enjoy the ride.  1. Create a Budget Find the right approach for you. There’s the 50/30/20 budget, the zero-balance budget, the pay-yourself-first budget. There are many different strategies out there. Read about popular options here. Check your spending habits. You've got your goals, great! Time for a gut check. See where...

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In the dynamic landscape of small business ownership, securing adequate funding is often the linchpin for success. Fortunately, the U.S. Small Business Administration (SBA) offers an array of funding programs tailored to meet the diverse needs of entrepreneurs, providing access to capital when conventional financing may be out of reach. Check out your options in the Small Business Resource Guide, 2024 National Edition. As a Preferred Lender, you can count on Falcon National Bank and our SBA team...

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In the world of entrepreneurship, a well-crafted business plan serves as the cornerstone of success, guiding you through the details of structuring, operating, and expanding your venture. Whether seeking funding, attracting partners, or steering your company toward growth, a carefully formulated business plan is your indispensable tool for navigating the competitive landscape with confidence. Explore example business plans and tap into expert guidance from the U.S. Small Business Administration...

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Embarking on the journey of starting a business entails a meticulous blend of vision, strategy, and legal adherence. Outlined within the pages of the Small Business Resource Guide, 2024 National Edition, are ten pivotal steps, each crucial for laying the groundwork and fostering the growth of your venture. From conducting thorough market research to selecting the ideal business structure, every facet is addressed to equip you with the tools needed for success. Find out more about how to start...

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Starting a business requires more than just a groundbreaking idea; it requires an understanding of the logistical, regulatory, and strategic intricacies involved. Everything from market research, to zoning, to taxes and insurance, to employment and intellectual property, dive into the foundational principles in the Small Business Resource Guide, 2024 National Edition, created by the U.S. Small Business Administration. And when you are ready to take that next step, our SBA team is here to help!

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