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As we increasingly rely on the internet and mobile devices to manage our financial transactions, the risk of cybercrime also continues to rise. From paying bills to sending money to family and friends, there are numerous options available that make it easier for scammers to raid your bank account. However, there are ways to keep your accounts safe and secure from common types of bank fraud. Keep reading to learn more.  Check Fraud  This type of fraud involves illegal attempts to obtain...
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As a homeowner, it is important to understand your home’s value and make decisions that will help you build up equity in your home. Your home’s value can be determined by many different factors, including location and the economy. In 2023, make it a priority to boost your home’s value! Continue reading to find out more.  Upgrade Your Exterior   o   When it comes to property value, the first thing that anyone will notice is the exterior of your...
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It is no secret food prices have risen in the past few months. Food is generally at the top of the list for basic human needs, so how do we go about combating these rising food costs? Keep reading for top tips to fight rising food prices this winter.  1. Eat Out Less Dining out is an extremely expensive option if you opt for it too often, especially if you are already budgeting for a full list of groceries. If you think about it, many meals you purchase out can be made for a fraction...
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In this blog, we will outline all that you need to know about a Health Savings Account as well as the next steps to get yours started!  What is an HSA? An HSA or Health Savings Account is a type of savings account that allows you to set aside money on a pre-tax basis. Funds in an HSA are typically saved to pay for qualified medical expenses. The untaxed dollars in a Health Savings Account used to pay for deductibles, copayments, coinsurance, and other health-related...
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A regular checkup with your doctor or dentist is a time to make sure your health is on track, there are no big concerns, and things are functioning normally. You are making your health and well-being a priority, which is great because you want your body to function properly and effectively for many years to come. When it comes to your personal finances, how often are you doing a checkup? You need a banker just like you need your doctor or dentist. Keep reading to learn what a financial checkup is...
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When it comes to real estate The Middlefield Banking Company understands it’s a localized market. If you are in the market for a new home, it is extremely important to understand the advantage of working with a local mortgage lender. In this blog, we will outline the top advantages and benefits of working with a local mortgage lender.  #1 Local Expertise  When it comes to a profession, most would agree your knowledge is unique to the market you serve – that is...
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If you’re looking to supplement your 401k offered by your employer or you currently do not have an option for a retirement savings account, a Roth IRA could be the savings option for you. Keep reading to learn the ins and outs of a Roth IRAs so you can decide if a Roth IRA is the right option for you! What is a Roth IRA?  Planning for retirement is uber important. Whether you’re looking to get started or wanting to incorporate another savings option, a Roth IRA can be a fantastic...
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For those who love to spend money or often find it hard to restrain their purchases – this blog is meant for you to start 2023 off with smart saving habits. Spending money is most definitely easier than saving. Here are some tips to rein in on spending as well as save when spending. Keep reading for the spender’s guide to saving money in 2023.  Step 1: Automate Your Paychecks  Automating your paychecks is an easy way to save your money and hold yourself accountable to...
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A Home Equity Loan and Home Equity Line of Credit are both loans that use your home as collateral. Though they are very similar, they are different loans. Keep reading to learn what a Home Equity Loan and Home Equity Line of Credit are, their differences, and their benefits!  What Are They and How Do they Differ?  A Home Equity Loan or a Home Equity Line of Credit, commonly known as a HELOC, are both loans which use your home as collateral. Both are fantastic options for borrowing...
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As winter closes in, take advantage of the change in season by creating your very own winter bucket list! Here are some quick and easy cold-weather activities to keep you, your friends, and your family busy this winter.   Host a Tailgate Party   ‘Tis the season for yummy food and FOOTBALL! Hosting a tailgate party to cheer on your favorite team is a great excuse to get together and eat some yummy food! Need a dish? Include one of these game-day recipes or incorporate...
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