Blogs

What you need to know regarding ATM Skimming Devices As a reminder that fraud comes in all forms, skimming devices are a constant threat and due diligence needs to be used when paying with your debit and credit cards. A skimming device is a piece of equipment fraudsters attach over card readers at ATMs, self-service payment kiosks at gas pumps, or other point of sale equipment. While the customer tries to make a valid transaction, the debit card or credit card pass through a second card reader (the skimming device) that illegally captures the card number. Criminals also obtain PINs by...

Increase Your Savings With These Simple Tips If you have a limited income, it can seem difficult to put aside money. However, by reducing certain expenses and changing your purchasing habits, you can save money over time. Cook at Home Eating out can cost you a decent amount of money. As such, cooking more meals at home is a simple way to save. Going from eating out every single day to eating at home can save you over $40 to $50 per week. To maximize your savings have a plan for your meals each week. If you know exactly what you need to purchase before going into a grocery store, you can avoid...

Deposit Your Next Check With Your Phone Making a deposit with your phone is an easy process and will save you a trip to the bank. But, if you have never done this before it may be a bit intimidating. At Minnesota Bank & Trust, a division of HTLF Bank, we want to make this process as easy as possible for you - it's as simple as sign, tap, snap, deposit: Sign: Sign and endorse check with “For Mobile Deposit Only.” Tap: Tap “Deposit Check” in the app, enter the check amount and then select your account Snap: Snap a picture of the front and back of your check Deposit: Confirm the details, hit submit and you’re done! We are in...

Use This Powerful Financial Tool with Care Do automatic payments make sense for your finances? Setting up regular withdrawals for your bills and subscriptions can make life significantly more convenient, but it can also come with some downsides. Keep these pros and cons in mind as you consider whether to integrate automatic payments into your everyday life. Types of Automatic Payments Typically, automatic payments are made using one of two methods. With the first method, you can authorize your financial institution to automatically withdraw money from your account and send it as a payment each...

Avoid Using Your Savings For the Unneeded Things Sometimes there’s not enough room in the budget for extras. Perhaps you have your eye on a new pair of shoes, are eager to upgrade your living room with a new couch or you have to be the first in your friend group to possess the latest gadget. If you need funds for a shopping spree or splurge, consider the following tips to earn extra money. Get a Side Gig A part-time job or side gig is one way to earn another paycheck to cover wanted expenses. If you love dogs, offer your services as a dog sitter or dog walker. NerdWallet recommends the Wag...