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Coin & Coffee Blog - 3.14.2018 - 11.01.2017


BillPay: How to Pay a Person

Have you ever needed to pay a co-worker for your boss' gift or your sister for standing in line on Black Friday? Did you know you can pay them back using your smartphone? 

Learn how to pay a person directly from your Friendship State Bank online account or mobile app. All you need is the person's email address. The person doesn't even need to be a Friendship State Bank account owner.

Watch this 60-second video tutorial and log into your account to get started.  


3 Ways to Prevent Holiday Fraud

The hustle and bustle of the holiday season has arrived and the fraudsters are counting on our busyness to play into to their scamming, hacking and stealing. These easy tips will help keep the bad guys at bay for an enjoyable holiday season.

Only shop online from reputable and secure websites and avoid shopping on public

Couple holiday shopping with line behind them.


Simplify and Secure with E-statements

Simplify your banking, cut the clutter and limit your risk for fraud with e-statements.

You can view your statements directly from your online account, save to your desktop or print for your records. You'll receive notification by email when your latest statement is ready to view. 

Check out this short, step by step tutorial and log in to your online banking account to get started. Contact us with any question or for assistance. 


3 Ways to Establish Good Credit 

Establishing credit may be easier than you think. You can build credit with a savings account loan, a co-borrower or low-limit credit card. 

If you’ve been at your job and residence for one year and have no negative reports with the credit bureaus, you may be eligible for a savings account loan. Here’s an example of how it works.

Lender Amy Grubbs with a customer at her desk.


What is a Trust and Do I Need One? 

You’ve probably heard it said, the only certainty in life is death and taxes. These certainties are what are most considered when determining if a trust should be part of your estate planning.

What is a trust?

“A trust is a set of instructions – a financial blueprint or roadmap- that says to whom the estate will be distributed…Read More

Woman using a tablet with family in the background.


Checking Accounts vs Savings Accounts

Checking and savings accounts are two popular types of bank accounts, but is one better than the other? That depends on the intended use of the account. Do you need easy access to your funds or a place to keep money for a future need? 

Watch this short 2-minute video to learn the key differences between checking and savings accounts and which account (or accounts) best fits your needs. 

We'd love to help answer your questions about bank accounts. Contact us today. 


College Prep for Your Bank Accounts

Graduation may still be a few months away, but you are probably already dreaming of dorm life, new friends and all the new adventures you will have. Are your bank accounts as prepared as you are for these new adventures?

Unlike preparing for the SAT, preparing your accounts is easy. Simply review this handy check list.

Review Checklist

Loan Clerk, Katie, posing in front of a mural at Indiana State University.


4 Wise Ways to Use Your Tax Savings

What a fantastic month! I finally got a nice raise and I started getting more money in my paycheck. Bring on that 90-inch flat screen!
Do yourself a favor and hold that thought…

The Tax Cuts and Jobs Act law lowered the amount of taxes that your employer takes out of your paycheck each week. So, the payroll processing people didn’t make a mistake. You really do get to keep that extra money in your paycheck.

The trick is being smart about what you do with that extra money. Read More
Jar of coin next to a pile of mail.


3 Ways to Make your Scholarship Application Stand Out

2018 applications for the Wilke S. and James W. Lemon Scholarship are now available. The Friendship State Bank will award nine- $1000 scholarships again this year. 

Check out this video for three easy tips from scholarship coordinator, Heather Davies, on how you can make your application stand out from the crowd. 


5 Ways to Spoil Grandchildren without Buying a Thing

Let’s be honest. There are some pretty snazzy toys on the market these days. It’s tempting to snatch them all for grandchildren, nieces, nephews and the special kiddos in our lives. It feels amazing to give, but if children receive presents every time they are in your presence, they may come to expect more rather than appreciating your love and time.

Still, spoiling is the job of grandparents and an important piece of childhood.

Grandmother and grandson running through bubbles.