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Holiday season means higher potential for fraud

The holiday season is upon us, which means a higher potential for fraud.

FirstOak Bank provides fraud monitoring credit cards but there are some proactive measures you can use to protect against fraud.

  • Check your phone number and address are up to date update your info here: MyCardStatement.com.
  • Set-up email and text alerts in MyCardStatement.com.
  • Enable advanced online shopping security with Visa® Secure

If you’re even concerned about credit card fraud, contact customer service!

staff

Shanda

Meet Shanda – Sr. VP at our Main Bank! Shanda is grateful for her health and is inspired by her family’s legacy – in fact her dad was a banker for 37 years. Shanda loves to organize and decorate and completing tasks gives her a sense of responsibility.

How do you like to start your day?
Devotions / Quiet Time

Who has influenced you the most when it comes to your work ethic?
My Parents

What drives you to work hard
The satisfaction of completing something and my sense of responsibility

What inspires you at work?
family legacy

What drove you down this career path?
My Dad, he was a banker for 37 years

What’s your biggest pet peeve at work?
Not respecting a closed door

If you could add one thing to the workspace, what would it be?
A heater

If you could pick a superpower, what would you choose?
Photographic memory

Name one dead celebrity you would like to have dinner with!
Carol Burnett

If you were an animal, what would you be?
Golden doodle

What is the coolest thing about your job?
The people I work with

Imagine you could step in a teleport for a day and go to any place and time in history. Where and when would you travel to?
New York City in the 1920’s

What is the best gift you ever received?
My kids

What is the nerdiest thing you do in your free time?
Organizing and Decorating

What is the soundtrack to your life? Describe?
You Say by Lauren Daigle

Whats one thing you are grateful for today?
Good health

When you grew up, you hoped to become a…
Fashion Merchandiser

The most courageous or embarrassing moment you remember while at school?
Wearing Headgear and braces

Name one of your guilty pleasures
Chocolate!

staff

Sandra

Meet Sandra – Customer Service Representative / New Accounts in Fredonia. Sandra likes to start her day with a shower and says her biggest pet peeve is negativity. She’d love to have dinner with Elvis and says the theme song to her life is, “Maniac.”

How do you like to start your day?
Shower to wake up

Who has influenced you the most when it comes to your work ethic?
My Mom

What drives you to work hard
My Checkbook

What inspires you at work?
my customers

What drove you down this career path?
I needed a job

What’s your biggest pet peeve at work?
negativity

If you could add one thing to the workspace, what would it be?
add furniture

If you could pick a superpower, what would you choose?
think where you want to go, close your eyes and poof you are there

Name one dead celebrity you would like to have dinner with!
Elvis!

If you were an animal, what would you be?
a dog!

What is the coolest thing about your job?
Being able to give Brad crap! but also work in the AC

Imagine you could step in a teleport for a day and go to any place and time in history. Where and when would you travel to?
No reason but I would like to go to Destin, FL to just sit on the beach

What is the best gift you ever received?
My brother surprised me coming home from the Navy

What is the nerdiest thing you do in your free time?
Crochet

What is the soundtrack to your life? Describe?
Maniac, grandkids

Whats one thing you are grateful for today?
Job, healthy family, kids, grandkids, my 2 labs

When you grew up, you hoped to become a…
photographer

The most courageous or embarrassing moment you remember while at school?
OMG – trying out for cheerleader in middle school. Dumbest thing I ever did

Name one of your guilty pleasures
Strawberry white claw seltzer and Almond M&Ms

staff

Shawn

Meet Shawn, Operations Assistant in Independence. Shawn starts his day with a cup of coffee and says he’s most influenced by his dad and wife. His biggest pet peeve at work is the phone ringing and if he could have anything at work it would be a “designated phone answerer.” Shawn says he’s inspired to continue learning and the best gift he’s ever received is his kids

How do you like to start your day?
Cup of coffee

Who has influenced you the most when it comes to your work ethic?
My Dad and Wife

What drives you to work hard
My kids

What inspires you at work?
To continue learning

What drove you down this career path?
Opportunity

What’s your biggest pet peeve at work?
Phone ringing

If you could add one thing to the workspace, what would it be?
A Designated Phone Answerer

If you could pick a superpower, what would you choose?
I always wanted to be able to shoot lasers from my eyes like superman, but I would like to be able to fly as well!

Name one dead celebrity you would like to have dinner with!
Chester Bennington

Imagine you could step in a teleport for a day and go to any place and time in history. Where and when would you travel to?
I would go back to September 6 1995 to the game when Cal Ripken Jr. broke the record for consecutive games plays

What is the best gift you ever received?
My kids

What is the nerdiest thing you do in your free time?
watch documentaries

When you grew up, you hoped to become a …
Baseball Player

staff

Christy

Christy, Vice President / Retail Banking Manager starts her day talking to her puppy! Christy says her work ethic has been influenced by her parents and is inspired by the employees she works with. Her biggest pet peeve is cludder and say the coolest thing about her job is that it is relaxed and she feels like she can be herself at work.


How do you like to start your day?
Talking to my puppy

Who has influenced you the most when it comes to your work ethic?
Both of my parents

What drives you to work hard?
I always want to do my very best!

What inspires you at work?
The employees. I want to be the best supervisor I can for them. So I hope I lead by example

What drove you down this career path?
I have never thought about banking but had just moved back to town and they took a chance on me!

What’s your biggest pet peeve at work?
Cludder

If you could add one thing to the workspace, what would it be?
Fridays off

If you could pick a superpower, what would you choose?
Fly

Name one dead celebrity you would like to have dinner with!
Robin Williams

If you were an animal, what would you be?
Dog

Imagine you could step in a teleport for a day and go to any place and time in history. Where and when would you travel to?
WoodStock

What’s the coolest thing about your job?
It is a relaxed enviorment where you can be yourself

What is the best gift you ever received?
My kids

What is the nerdiest thing you do in your free time?
Binge watch silly comedy series’

That one song that’s the soundtrack to your life?  Describe.
Hold My Hand – Lady Gaga

What’s the one thing you’re grateful for today?
My family

When you grew up, you hoped to become a …
Dancer

The most courageous or embarrassing moment you remember while at school?
Courageous – Speaking in front of my classmates.
Embarrassing – Getting in trouble and getting paddled in front of the class.

Name one of your guilty pleasures
Pepsi

staff

Chad

Meet Chad, Market President at Fredonia. Chad likes to start his day early and says his dad influenced him the most when it comes to work ethic. Chad says he’s driven to be the best banker in town and has always had an interest in banking. The best gift he’s received is his two daughters and when not at the bank, he enjoys smoking cigars and playing video games.

How do you like to start your day?
Early. Getting in the bank early and enjoying the peace and quiet for a couple hours

Who has influenced you the most when it comes to your work ethic?
My father

What drives you to work hard
Motivation to be the best bank and banker in town

What inspires you at work?
My family

What drove you down this career path?
Myself. I have always had an interest in banking since I graduated college

If you could add one thing to the workspace, what would it be?
Driving Range

If you could pick a superpower, what would you choose?
Be able to fly

Name one dead celebrity you would like to have dinner with!
Larry Hagman

If you were an animal, what would you be?
Great White Shark

Where and when would you travel to?
March of 1994, to snow ski with my Grandpa again

What’s the coolest thing about your job?
Professional relationships with my customers

What is the best gift you ever received?
My two daughters

What is the nerdiest thing you do in your free time?
Play video games

That one song that’s the soundtrack to your life?
I don’t have a particular song. I love all music. My library ranges from Sinatra to Zombie.

What’s the one thing you’re grateful for today?
My family

When you grew up, you hoped to become a …
Quarterback for the Dallas Cowboys

The most courageous or embarrassing moment you remember while at school?
Was never courageous and never embarrassed 🙂

Name one of your guilty pleasures
Smoking Cigars

Identity Theft

How to Avoid Elder Financial Abuse

Do you know an older person who is isolated, home-bound, female, and / or deteriorating health? They might be at greater risk for Elder Financial Abuse.

Who typically commits elder abuse:

  • family members or friends
  • person in a position of authority who has the older persons trust
  • nursing home staff or caregivers
  • complete strangers

Perpetrators may pretend:

  • the elder has won a prize
  • a family member needs the money
  • they are connected to their bank
  • are a contractor to make repairs

Why do people commit Elder Abuse:

  • Fear the elder wont save money for their family
  • feel the belongings are rightfully theirs
  • have financial difficulties, gambling issues or addictions
  • want to keep other family members from inheriting

If you think an older person in your life is being abused, look for the warning signs like:

  • forgeries on signed documents
  • getting charged too much for services
  • sudden change of a will or bank accounts
  • having financial problems or unable to pay bills
  • using possessions without permission
  • unauthorized charges on credit cards
  • sudden changes in financial decisions

If you notice changes like these, don’t wait, take action immediately to keep your older friend safe!

How to protect your older friend:

  • order copies of your credit report at least yearly
  • don’t rush into financial decisions
  • get to know your financial partners and build a relationship with them
  • pay bills with checks and credit card to keep a paper trail
  • never give up personal information
  • shred paper documents with important account info
  • feel free to say “no”
  • trust your instincts

Identity Theft

Don’t get scammed this Holiday Season!

Spot scams before they happen! With Holiday scamming on the rise through email, phone, text message and mobile payments apps, we need to be more vigilant than ever to avoid scammers. Here’s a could quick ways to reduce your chances of being scammed.

  • Never give out personal information
  • Watch out for a false sense of urgency
  • Slow down – think before you act
  • Be skeptical of any communication
  • Don’t click links
  • Don’t rely on Caller ID or in emails, don’t reply on the perceived sender name
  • Avoid doing anything out of the ordinary.

Job Board

TELLER at Fredonia Branch

FirstOak Bank in Fredonia is looking to add a Teller to our staff. We are looking for an outgoing, friendly applicant with strong interpersonal and customer service skills. Responsibilities include providing exceptional customer service and processing teller transactions. Cash handling experience is preferred, banking experience would be beneficial but is not required. We are a community bank that values both our customers and employees.

We are committed to outstanding customer service. We are looking for a reliable teller to process all transactions accurately and efficiently in accordance with established policies and procedures while providing the level of service we strive to achieve. You must be comfortable offering excellent customer service, making dozens of transactions daily, communicating with different clients and promoting the bank’s products/services.

Responsibilities:

  • Conduct routine transactions within time limits and established guidelines (cash checks, accept deposits and loan payments, process withdrawals etc)
  • Assess customer needs and introduce new products and services
  • Go the “extra mile” to build trust relationships, customer loyalty and satisfaction
  • Comply with regulatory requirements
  • Manage risk in every transaction and detect fraudulent transactions to prevent losses
  • Resolve customers’ issues and provide relevant information

Skills:

  • Proven working experience in banking OR cash handling and customer service
  • Strong basic PC knowledge
  • Strong communication and time management skills
  • Customer satisfaction-oriented with excellent customer service abilities
  • Attention to detail and mathematical skills
  • Excellent sales skills

Qualifications:

  • High School degree or equivalent required, some related college courses or degree desired.
  • Excellent communication, customer service, and organization skills
  • Ability to work well with others
  • Outstanding customer service skills
  • Quick learner

Benefits:

  • Competitive pay
  • Competitive Health and dental insurance, life insurance, vacation, sick, holidays off and 401k

Identity Theft

What is Vishing?

Vishing is fraudulent phone calls and / or leaving convincing voicemails acting as a reputable company or agency to convince victims to reveal personal information such as banking, credit card numbers, passwords and more.

Here’s more:

Like Phishing or smishing, vishing relies on technology to convince victims they are doing the right thing by revealing their information. Many times, the fraudster portrays an urgent need for the victim to give up their information quickly. Cyber criminals use threats and presuasive language to make victims feel like they have no other choice. A common tactic is that fraudsters may leave threatening voice mails that the recipient must call back immediately or they risk accounts being frozen, arrest or worse.

Here’s how you can protect yourself!

  • When you get an unsolicited call, don’t act swiftly – act with caution.
  • No financial institution or merchant will ask you to update your account information
  • Never give personal information on the phone,
  • Look out for suspicious calling or texting numbers
  • Refuse to take the bait – don’t respond