In Your Corner Magazine | Fall 2020

1 Ready to purchase a new home or refinance? It’s the perfect time to take advantage of our exclusive mortgage relationship pricing while interest rates are still at record lows. CB&T can help you maximize your savings with mortgage loan discounts available up to 0.50%. 2

Submit complaints, tips or referrals about suspected securities fraud or wrongdoing online at the U.S. Securities and Exchange Commission website. ONLINE SELLER SCAMS Online seller or "overpayment" scams are increasingly targeting seniors. As noted in Forbes , 82 percent of seniors now use online banking more frequently, and 91 percent are more comfortable with online communication. 5 Scammers take advantage of sellers by overpaying. They agree to buy items and send checks or money orders for substantially more than the agreed-upon price. They then ask sellers to forward the excess balance to someone else by wire transfer. Sellers deposit the money, send the balance difference and are then told by their bank that the original check or money order was fake, leaving them out of hundreds or even thousands of dollars. WHAT TO DO Proceed with caution—Some buyers may ask to pay with a payment app or check. Continue the transaction only with those you trust. Additionally, whenever possible, buy or sell from a website that offers protections to all parties involved. If a buyer or seller tries to persuade you to go outside the site’s usual process or payment methods, that’s a red flag. Scammers are doing everything they can to grab your personal information, solicit fake donations and even overpay for purchases to compromise your finances. Don't fall for their tricks. Always ask questions, think critically, get confirmation and double-check everything to stop them in their tracks.

If you’re considering buying a new home or refinancing, lower your monthly mortgage payment by taking advantage

of our relationship pricing today. To apply, use ZIP MORTGAGE , CB&T’s simple and fast online application that takes only 10 to 15 minutes.

SEE OUR EXCLUSIVE OFFERS: RECEIVE A DISCOUNT OF 0.0125% when you sign up for mortgage payments to be ACH auto-debited from a CB&T deposit account. 3 - OR - RECEIVE A  DISCOUNT OF 0.25%

with ACH auto-debit from a CB&T deposit account 3 and by maintaining balances totaling $250,000 to $750,000. - OR - RECEIVE A  DISCOUNT OF 0.50% with ACH auto-debit from a CB&T deposit a ccount 3 and by maintaining  balances totaling over $750,000.

TOTAL DISCOUNTS

UP TO 0.50%

calbanktrust.com/ zip Visit

24

1., 2., 3., 4., 5. See page 29 for cited sources.

calbanktrust.com/ inyourcorner

25

1., 2., 3. See page 29 for important details and disclosures.

IN YOUR CORNER ISSUE 6 | 2020

Made with FlippingBook flipbook maker