Imposter scams are becoming commonplace. If you receive a call from someone claiming to be an F&M Trust employee, don’t trust your caller ID - it may be an imposter attempting to gain access to your account. F&M Trust will not ask you to provide your online banking username and password and will never ask for sensitive personal information by text or email. Never click on any links that person might send you and, if you receive a verification code by text, phone, or email, do not give it to anyone. If you aren’t sure about the caller’s identity, please hang up and call F&M Trust directly at (717) 264-6116, or visit your local community office.
Show MoreHave you accumulated student loan debt? If so, you are not alone. We hear talk in the news of staggering U.S. student loan debt, but if properly prioritized, there is no reason your student loans should keep you from reaching your financial goals. Just getting your student loan debt down in writing — in your budget — is the first step to bringing what may seem to be an overwhelming sum into perspective.
First, budget the fixed amount of your monthly student loan debt bill into your budget. Then, if possible, plan to pay a little more in the “want” category of your budget. This way, you are making your regular student loan debt payments, thereby increasing your credit score but also paying down your loan faster, as your budget allows.
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