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Del Norte Bank always has your best interests and security in mind. We have compiled some useful articles and resources to enhance your financial well-being and protection. If you need specific information on a topic, please contact us and we will help answer any of your questions.

Beware of phishing scams

Don't Take the Bait!


Identity thieves like to go "phishing" - pronounced "fishing" - on the interet for consumers' personal financial information using fake emails and websites to trick people into providing Social Security numbers, bank numbers and other valuable details. Read More »


Cybersecurity awareness


Consumers increasingly rely on computers and the Internet - the "cyber" world - for everything from shopping and communicating to baking and bill-paying. But while the benefits of faster and more convenient cyber services for bank customers are clear, the risks posed by these services as well as the strategies for preventing or recovering from cyber-related crimes may not be as well-known by the average consumer and small business owner. Read More »



Will Millennials Change Banking Forever?

Learn More »


Flood notification

Be Protected


We wanted to take a moment to share some valuable information about possible flooding on the Rio Grande River and select tributaries due to the recent wildfires. Due to the vast amout of acreage consumed by the fires the landscape has changed and therefore the potiential for flooding due to spring snow melt or even large amounts of rain fall has increased significantly. Read More »


Safe mobile banking

Our Latest Tips for Protecting Yourself


Using a smartphone, "tablet" computer or other mobile device to manage your finances can be convenient and help you monitor your money from practically anywhere. At the same time, it's important to take steps to protect your account information. Read More »




Sticking to the basics can go a long way.


There is plenty of information available to consumers to help avoid being a fraud or theft victim. "But some people complain that there is too much to remember and that being vigilant can be a daunting task," said Millie Spencer, a financial crimes specialist with the FDIC. Here's a short list of simple ways to avoid many financial crimes. Read More »


Logging in and Locking Out Fraud Artists

What to know about new federal guidelines for how banks confirm the identity of online users


Many consumers appreciate the convenience and speed of banking and bill paying over the Internet. However, some are concerned about the safety of their money and personal information based on news coverage of fraud artists making unauthorized transfers from accounts. That's why the FDIC and other federal financial regulators recently updated the guidelines on how banks should verify that someone logging on to a bank's Web site is the real owner of a particular account. The new guidelines are effective January 1, 2012. Read More »


Your Credit Reports and Credit Scores

Your Credit Reports and Credit Scores: Simple Steps to Make Them Better

It is no secret that the information in your credit report may be used to help determine whether or not you will get a loan and how much you will pay for it - and perhaps even the cost of your insurance or if you can get a new job or apartment. But how much do you really know about credit reports and credit scores and how to improve them? Read More »


Basic Strategies for Simplifying Your Financial Life

Nine ways to eliminate clutter, organize accounts and streamline how you manage your money


There are many reasons to organize and simplify your financial life. Eliminating clutter, saving time and reducing stress are surely among them. And here's another motivating factor: Not keeping tabs on your finances can be costly if it results in fees or interest charges you could have avoided, investment losses, additional taxes or other pitfalls. FDIC Consumer News offers a checklist of nine basic things you can do to get your money matters in order...and keep them that way. (Also see additional tips in other articles in this issue.) Read More »


why interest rates matter to you

Position your finances for a changing environment

Wondering how long interest rates will stay low? The Federal Reserve has kept short-term borrowing rates near zero since late 2008 to stimulate lending and help the economy recover. Rates will head up as the economy gains steam, but exactly when is still uncertain. Now is a good time to assess how changes in interest rates may affect your savings and borrowing plans. Read More »


Your Financial Records

Your Financial Records: What to Toss and When

Bank statements, credit card bills, canceled checks and other documents can be useful for tax purposes, as proof of a transaction or payment, or for other reasons. But how long should you keep them? Read More »


special alerts

E-mails fraudulently claiming to be from the FDIC are attempting to get recipients to click on a link, which may ask them to provide sensitive personal information. These e-mails falsely indicate that FDIC deposit insurance is suspended until the requested customer information is provided. Read More »


starting out on your own

Personal finance tips for Young Adults

While everyone can benefit from learning about money management and taking a more hands-on approach with their finances, young adults - including those just starting a career or a family and others still in high school or college - have plenty to gain by learning to be smart about money, and a lot to lose by making uninformed decisions. Read More »


$250,000 Federal deposit insurance amount permanent

New consumer protection bureau also part of major reform law

The far-reaching financial reform law approved by Congress and signed by President Obama in July includes a variety of new protections for bank customers, including a permanent increase in the basic federal deposit insurance limit from at least $100,000 to at least $250,000 per depositor. Under prior law, the basic federal deposit insurance limit was set to revert back to $100,000 on January 1, 2014. Read More »


Online Banking, Bill Paying and Shopping

10 Ways to Protect Your Money

Online banking, bill paying and shopping are conveniences that most people want to enjoy. And most of the time, high-tech transactions are completed quickly and without a glitch. However, just as with other transactions, in a small percentage of cases something goes wrong. That's why you need to take precautions against theft and errors. Read More »


SBA Warns Small Businesses of Fraudulent Attempts

Offering to Help Them Secure SBA Loans

SBA and SBA's Office of the Inspector General (SBA OIG) have received several complaints from small businesses about abusive marketing practices, scams, and exorbitant fees charged by firms offering to help them obtain a loan, grant, or other federal funds, from SBA. Read More »


Move your money and save

Bigger banks were suppose to lower costs for consumers. That was the promise made repeatedly in 1994 and again in 1999, when Congress dismantled laws that had long restricted the size and scope of banks, ushering in a wave of mergers that left the industry dominated by a few financial giants. Read More »


Take Charge of your money

Take Charge of Your Money Get Your Federal Benefits Electronically

Still receiving your federal benefit payments by paper check? You should know that paper checks can be vulnerable to delays, loss or theft. Read More »


ABA Warns Bankers About Fraudulent Email

The American Bankers Association's, (ABA) name is being used in a new phishing e-mail, the association learned yesterday. The e-mail informs recipients that an "unauthorized transaction" has been charged to their account using their bank card. The amount of the transaction is listed, and recipients are asked to click on a link to review the transaction. Read More »


Fraudulent E-Mails Claiming to be from FDIC

The Federal Deposit Insurance Corporation (FDIC) has become aware of e-mails appearing to be sent from the FDIC that are asking recipients to download and open a "personal FDIC insurance file" to check their deposit insurance coverage. These e-mails are fraudulent and were not sent by the FDIC. The FDIC is attempting to identify the source of the e-mails and disrupt the transmission. Read More »


Bogus "Help" with Credit and Debt Problems

In some cases, con artists "guarantee" loan approvals to people with credit problems, then they disappear after collecting a nonrefundable fee and without delivering any services. Others involve companies that advertise credit counseling or promise to settle debts for less than is owed. They charge high fees and provide little or no assistance.


Scams Tied to the Obama Administration's Economic Stimulus Package

The Federal Trade Commission has warned about fraudulent Web sites and e-mails asking consumers for bank account, credit card and other personal information, supposedly for help getting money from the stimulus fund or for direct deposits of government payments. Instead, these scammers are collecting information to make unauthorized charges to credit cards or to withdraw money from bank accounts. For more information visit the Federal Trade Commission website.


Beware of Various Frauds Tied to the Economic Slowdown

In addition to mortgage rescue scams (see Foreclosure Rescue and Loan Modification Scammers), consumers should beware of a variety of other frauds tied to current economic difficulties.


Con Artists Preying on People who Need Jobs

One common example involves attractive offers to work part-time from home but the end result is that the new "employer" commits identity theft or check fraud. Another involves "mystery shopper" programs for which consumers are supposedly hired to report on their experience doing business at a retailer but instead lose money in a fake check scam. Read More »





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