Banking Is Personal - Blog

Welcome to Banking is Personal. This blog is a place where Salin Bank hopes to give you information you can use. Our goal is to arm you with resources and knowledge about mortgages, wealth management, business lending and other banking-related issues that affect you and your financial objectives.

Buying a Home During Autumn: The Deals Are Waiting

By Kevin Schultz, Mortgage Consultant, Salin Bank on November 23, 2015

The real estate market isn’t like most businesses - it’s open every day, 365 days a year. It’s true that some months of the year are better than others for buying and selling, as seasonal shifts in real estate are well documented. Spring is hands-down one of the busiest times of the year, but fall has quickly become a close second.
The changing of the leaves can indeed shed some good deals and extra perks for prospective homebuyers:
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Social Media: Lessons Learned

By Jim Badger, Senior Vice President, Salin Bank on October 26, 2015

It’s no secret that social media is enthusiastically embraced by the millennial generation, but older adults, like me, are taking note as well. A new survey from Pew Research Center shows nearly two-thirds of American adults (65%) used social networking sites such as Facebook, LinkedIn, Instagram, Pinterest and Twitter, among others in 2015, up from 7% when Pew Research Center began systematically tracking social media usage in 2005. 
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Protect Your Data During Cyber Security Awareness Month

By Kevin Cox, IT Operations Support Analyst, Salin Bank on October 19, 2015

October is National Cyber Security Awareness month, and the Independent Community Bankers of America (ICBA) and Salin Bank are offering tips to help consumers become more aware of cyber security and data issues and what they can do to protect themselves from potential credit card or bank fraud.
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A Good Credit Report Can Be Your Best Friend

By Jane Harris, Mortgage Consultant, Columbus, Indiana, Salin Bank on October 5, 2015

It’s just three numbers, but the long-range impact can be powerful. I’m talking about your FICO score - that all-important number used by most lenders to assess your credit risk.

FICO scores are calculated by the three national credit bureaus - Experian, TransUnion, and Equifax; scores range from 300 to 850, with an average of about 713 for the entire United States as of October 2014, according to FICO, the company that developed credit scores. (Indiana has a median score of 711.)
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Scam Alerts

By Denise Maines, Vice President, Security Officer, Salin Bank on September 28, 2015

Every year, crooks employ an endless supply of schemes to defraud millions of people out of their hard-earned money. Oftentimes, scammers simply add new twists to old schemes by combining sophisticated technology with tried-and-true tricks to get people to send money or give out personal information. One thing that never changes: Scammers are able to somehow convince plenty of unsuspecting victims to hand over their cash.
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