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News You Can Use

Losing Your Luggage Sucks. Losing Your Identity Is Way Worse

March 26, 2018

Tips to Apply Online with Sherry Jones


Sherry Kay Jones

Vice President – Mortgage Lender

NMLS# 416642





1. Click Here to apply for a mortgage with Sherry Jones.
2. Create an account
3. Consent to do business electronically and complete the application.
4. Submit Application

To complete the creation of your account, you will receive an email from. noreply@elliemae.com requesting verification of your email address. Please respond to the instructions in that email within one hour of receipt to complete verification.

Upon submitting your application, you will receive a second email from noreply@elliemae.com, containing a list of information your lender will request in order to facilitate a speedy loan approval.


  • If eSign is preferred, all applicants must eConsent
  • If there is more than one borrower, each will need to create a Consumer Connect account. The first applicant’s account is created at the time of online application. Once the application has been submitted, you will receive an email with a link for the second applicant to create their account.
  • The Consumer Connect account will be used throughout the loan process as well as for future applications.
  • The verification link must be acknowledged within one hour to complete the creation of the Consumer Connect account.
  • The authorization code is the last four of the individual borrower’s SSN
  • The email address should not be changed once eConsent is granted as doing so can cause delays
  • Please submit all requested documents as quickly as possible to facilitate a faster approval


Q:Can I use my work email address?

A:Yes, depending on employer restrictions. Ensure you can receive and open outside emails at work. You will also need to be able to access links and download PDF information from outside sources.


Q: Can we use the same email address?

A: Yes, however you will each need to create your own Consumer Connect account.


Q:Can I begin an application, save and then complete it later?

A: Yes, although this may be impacted depending on which page was last completed.  Save the application often as the data will be lost if you are timed out, there is a system error or connectivity issue and you have not saved.


Q:What happens if I forgot my User ID or Password?

A: These can be reset or retrieved via the Forgot username or password links in the Consumer Connect login screen.


What Are Tech Support Scams?

NYCU: How to Protect Your Home Delivered Packages from Porch Pirates

More and more people say they prefer the convenience of online shopping over conventional store shopping. But the advantages of click over brick – saving time, more choices, on spot reviews and comparisons, avoiding crowds – come with some risks. More than 23 million Americans have had their packages stolen from their homes. During the Holidays, the ubiquitous Christmas packages have become a sought after item for burglars.
So how can you stay ahead of would-be “Porch Pirates”?
  1. Pick up at your local UPS, FedEx or USPS facility
  2. Use signature confirmation
  3. Leave delivery instructions to drop off the package someplace out of sight
  4. Deliver to your workplace
  5. Use UPS “My Choice” and FedEx “Delivery Manager” to track packages, receive delivery alerts, and schedule delivery time
  6. Use a relative’s or a neighbor’s address
  7. Keep a camera visibly pointed at your porch

A stolen package can ruin your day. Follow these tips to help you protect your purchases and reduce stress this Holiday season!

News You Can Use – IRS Tax Scam

The IRS is warning against a new phishing scam that encourages you to download an FBI questionnaire. If you click the link, your computer will be infected with Ransomware. Be cautious; the scam email uses the emblems of both the IRS and the Federal Bureau of Investigation.

Remember that the IRS does not use email, text messages or social media to discuss personal tax issues, such as those involving bills or refunds. THINK BEFORE YOU CLICK!


Protect your identity, be vigilant about what you shred!

Identity theft is one of the fastest growing crimes. When you throw something in the trash or place it in the recycling bin, it becomes available to any thief searching for ways to steal your identity. Moreover, the Supreme Court, in the decision California vs. Greenwood, stated that the “expectation of privacy in trash left for collection in an area accessible to the public… is unreasonable.”
What documents should you shred? Anything that contains account numbers, social security numbers, and all other personal information should be shredded. Some examples include:
  • ATM receipts
  • Birth certificate copies
  • Canceled and voided checks
  • Bank statements
  • Employment records, paystubs and résumés
  • ID cards and any documents with driver’s license numbers
  • Credit card bills and receipts
  • Travel documents and itineraries
Remember to make shredding a regular habit. It’s fundamental to protecting your identity!

Click here to learn more about protecting your finances.

Using laptops in public: what you need to know

Public use of Personal Laptops:

Establishing personal firewalls on you PC will help protect you when using your laptop in public networks. In addition you should routinely update your security software and applications.

Avoid using public networks to access your financial accounts. Rogue networks are looking to deceive you. Always verify the network address is legitimate with at the staff at the facility. Make sure to logout each time you finish and close the browser as well.

Click here to learn more about protecting your finances.

News You Can Use – Scams in the Name of Charity

July 6, 2017

by Lisa Lake 

Consumer Education Specialist, FTC

Scammers are creative, cunning and cruel – and they often mix in a little truth to spice up their big lies. This scheme shows just how low they can go.
Government imposters claiming to be with the FTC, or another agency like the fictitious “Consumer Protection Agency,” are calling to inform people they have won a huge sweepstakes from the Make-a-Wish Foundation, a well-known charity for very sick children. To get the money, the callers say, the “winner” must first pay thousands of dollars to cover taxes or insurance on the prize. The call may even come from a 202 (Washington, DC) area code to appear credible – since the headquarters for the FTC and most federal agencies are in DC.
This is just a scheme using the well-known names of Make-a-Wish and the FTC to rob thousands of dollars from people. Once you wire money or send banking information, you will never see your money again.
Here are a few facts and tips to protect yourself and others:
  • If someone asks you to wire money or provide your bank account information over the telephone, it’s a scam.
  • Anytime you have to pay to get a prize, it’s a scam.
  • The FTC doesn’t oversee sweepstakes and no FTC staff is involved in giving out sweepstakes prizes. We do, however, go after sweepstakes scams like this one. 
  • If an FTC case results in refunds, you can find the details at ftc.gov/redress.
  • The Make-a-Wish Foundation has information about this specific scam on its fraud alerts page.
  • If you encounter this or other scams, report it to the FTC at 1-877-FTC-HELP or ftc.gov/complaint.
  • Talk to your friends and family about scams. Visit FTC.gov/PassItOn to find out how.

What to do when your information is lost or exposed

When Information Is Lost or Exposed

Did you recently get a notice that says your personal information was exposed in a data breach? Did you lose your wallet? Or learn that an online account was hacked? Depending on what information was lost, there are steps you can take to help protect yourself from identity theft.

What information was lost or exposed?

Social Security number:

  • If a company responsible for exposing your information offers you free credit monitoring, take advantage of it.
  • Get your free credit reports from annualcreditreport.com. Check for any accounts or charges you don’t recognize.
  • Consider placing a credit freeze . A credit freeze makes it harder for someone to open a new account in your name. If you place a freeze, be ready to take a few extra steps the next time you apply for a new credit card or cell phone – or any service that requires a credit check. If you decide not to place a credit freeze, at least consider placing a fraud alert.
  • Try to file your taxes early – before the scammer can. Tax Identity theft happens when someone uses your Social Security number to get a tax refund or a job.  Respond right away to letters from the IRS.
  • Don’t believe anyone who calls and says you’ll be arrested unless you pay for taxes or debt – even if they have part of all of your Social Security number, or they say they’re from the IRS.
  • Continue to check your credit reports at annualcreditreport.com. You can order a free report from each of the three credit reporting companies once a year.

Online login or password

  • Log in to that account and change your password. If possible, also change your username. If you can’t log in, contact the company. Ask them how you can recover or shut down the account.
  • If you use the same password anywhere else, change that too.
  • Is it a financial site, or is your credit card number stored on that site? Check your account for any charges that you don’t recognize.

Debit or Credit card number

  • Contact your bank or credit card company to cancel your card and request a new one.
  • Review your transactions regularly. Make sure no one misused your card. If you find fraudulent charges, call the fraud department and get them removed.
  • If you have automatic payments set up, update them with your new card number.
  • Check your credit report at annualcreditreport.com.

Bank account information

  • Contact your bank to close the account and open a new one.
  • Review your transactions regularly to make sure on one misused your account. If you find fraudulent charges or withdrawals, call the fraud department and get them removed.
  • If you have automatic payments set up, update them with your new bank account information.
  • Check your credit report at annualcreditreport.com.

Driver’s license information

  • Contact your nearest motor vehicles branch to report a lost or stolen driver’s license. The state might flag your license number in case someone else tries to use it, or they might suggest that you apply for a duplicate.
  • Check your credit report at annualcreditreport.com.

Children’s personal information

  • Request a credit freeze for your child – if this service is available in your state. A credit freeze will make it difficult for someone to use your child’s information to open accounts. To place a freeze, follow the specific instructions for each credit bureau:
  • Equifax    
  • Experian 
  • TransUnion
  • No matter what state you live in, you can check to see if your child has a credit report. Each bureau has specific instructions for these reports:
  • Equifax 
  • Experian (click on “Minor child instructions” under “Additional resources”)
  • TransUnion 
  • If a credit bureau has a credit report for your child, the credit bureau will send you a copy of the report. Use the instructions provided with the credit report to remove fraudulent accounts.
  • Review the FTC’s information on Child Identity Theft 

The information provided in this article was provided from the Federal Trade Commission Identity Theft.gov

Click here to learn more about protecting your finances.

Fake emails could cost you thousands

May 16, 2017
by Christina Tusan – Attorney, Western Region, FTC

Think you got an email from a business you know? Scammers sometimes use emails that look legit to trick you into sending money to them.
The email might say it’s from a real estate professional you’re working with, telling you there’s a last-minute change and you should now wire your closing costs to a different account. Or it could seem to be an email – with an invoice – from your utility company, telling you to wire payment. Whatever the story, if you wire that money, it goes to the scammer – and you may never see your money again.
These scammers might get your information by hacking into a business. Once they know about you, they send an email that seems to come from the business, telling you where to send money. So, how can you spot these scams?

  • Never wire money to anyone who emails – or calls – and asks you to. Instead, check it out.
  • Contact the company through a number or email address you know is real. Don’t use phone numbers or links in the email.
  • Don’t open email attachments, even from someone you know, unless you’re expecting it. Opening attachments can put malware on your computer.

If you’ve already sent in money to a scammer, act quickly.

  • If you wired money through your bank, ask them right away for a wire recall. If you used a money transfer company, like Western Union or MoneyGram, call their complaint lines immediately.
  • Report your experience to the FTC and to the FBI’s Internet Crime Complaint Center at ic3.gov. Give as much information as you can, including all requested banking information. The sooner you get this report in to ic3, the more likely they can help you.
  • If your bank asks for a police report, give them a copy of your report to ic3.gov.

Click here to learn more about protecting your finances.

Guard Your Mail

Gurad Your MailYou may think your home mailbox is a safe receptacle for outgoing mail, think again. Thieves use mailboxes to gather your personal information on checking accounts as well as credit cards. Take mail containing payments with checks to Post Office collection boxes. Always gather your mail daily and if you will be gone, have the Post Office hold your mail. If routine bills do not arrive at normal intervals, contact the creditor; a thief may have falsely changed your address to divert your information.

Click here to learn more about protecting your finances.

Cybersecurity – 7 Ways to Thwart Cybercrime

7 Ways to Thwart Cybercrime Screen Shot 2017-02-28 at 8.23.08 AM

WASHINGTON – Cybercrime continues to be a growing problem in the U.S. According to the FBI’s Internet Crime Complaint Center, though we do not have 2016 totals, in 2015 the agency received approximately 288,000 complaints from consumers who were exposed to online fraud – up from nearly 270,000 in 2014. First Savings Bank and the American Bankers Association is urging online users to take simple steps to safeguard their personal information, protect their networks and stop fraud.

“Fraudsters are using the Internet to facilitate all types of scams,” said Doug Johnson, ABA’s senior vice president of payments and cybersecurity policy. “As a result, it is extremely important that online users secure their Internet connection and install the latest security software to lessen their exposure to online threats.”

ABA recommends the following tips to protect yourself while navigating the web:
- Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.

- Create complic@t3d passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.

- Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with. Forward phishing emails to the Federal Trade Commission (FTC) at spam@uce.gov – and to the company, bank, or organization impersonated in the email.

- Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc. Be wary of requests to connect from people you do not know.

- Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.

- Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.

- Read the site’s privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don’t see or understand a site’s privacy policy, consider doing business elsewhere.

The American Bankers Association is the voice of the nation’s $16 trillion banking industry, which is composed of small, regional and large banks that together employ more than 2 million people, safeguard $12 trillion in deposits and extend more than $8 trillion in loans.

Click here to learn more about protecting your finances.

SCAM ALERT! Suspicious Phone Call

Suspicious phone call:

We have been informed by a few of our customers they have received a suspicious phone call which appears to be initiated from First Savings Bank. The call states, “you have won a fabulous trip”. This is a scam. Please do not return the phone call and more importantly do not release any personal information about your accounts to anyone. We will not call you requesting your account information in return for a prize. Be vigilant about protecting your financial information!

Click Here for more tips.

Tips for Financial Safety When Traveling

Spring Break is almost here! Make sure your finances are safe during your next vacation with the following tips:

- Notify your bank debit card and credit card department that you will be going out of town so that your cards are not frozen for suspicious activity out of your spending area.

- Place a hold on mail delivery so that any checks you might be receiving stay at the post office until you return.

- Make copies of all IDs, credit cards, and debit cards. Keep one copy with you, and keep the other copy at home. You can also use an app like Keeper on your phone to save that information.

- Save the toll free numbers for all credit and debit cards you keep in your wallet.

What to do in case your debit or credit card is lost or stolen:

- Immediately notify the creditor(s) so they can cancel your card(s) and issue new ones. You would then need to file a police report.

First Savings Bank’s Debit Card customers can call:

First Savings Bank’s Credit Card customers can call:

Click here for more tips.

What to do if your card is lost or stolen

Record the toll-free numbers of all credit cards you carry in your wallet in a secure place. If your card(s) become lost or stolen, immediately notify the creditor(s) so they can cancel your card(s) and issue new ones. You would then need to file a police report.

First Savings Bank’s Debit Card customers can call:

First Savings Bank’s Credit Card customers can call:

For More Tips, click here.

ATM Safety

Automatic Teller Machines (ATMs) are a convenient way for you to transact banking. Follow these 5 tips to make your transaction safe whether you are using your neighborhood First Saving Bank ATM or one halfway across the globe:

1.Prepare your deposit slips, envelopes, and calculations prior to arriving so you can minimize your time at the ATM.

2.Scan the area to make sure it is well lit and that no one is lurking, be aware of your surroundings at all times.

3.When possible, use drive-up ATMs so you can stay inside of your vehicle.
Remember to take the card when you have completed your transaction.

4. Make sure to place your card, cash and receipt in your wallet.

- As you travel, know that you have access to over 2,200 Fifth Third ATMs at no additional charge to you.

- Also, to avoid interruption using your Debit Card make sure you let us flag your debit card before you go on vacation.

Thank you and have a safe summer!

Credit Review

Review your credit annually: it pays off!

One of the easiest ways to protect your credit is to review
it once a year. It’s a simple safeguard that can save you money, time and headaches down the road. The law requires that major consumer reporting agencies provide you a copy of your credit report annually.

You can get started on any of the following sites:

While you may not know that something is wrong with your credit until you review it, indications that something may be wrong include: a bill that does not arrive as expected, receiving a denial of credit that you did not apply for, or receiving calls, emails or letters about purchases you did not make.

Remember, your best safe guard is routinely checking your credit!

Scam Alert – Federal Trade Commission (FTC) Investigation

FAKE “Federal Trade Commission (FTC) investigation” emails making the rounds again.

December 28, 2016

by: Ari Lazarus
Consumer Education Specialist, FTC

Scams are like weeds: they crop up, are treated and disappear, only to find a way to pop up again. Such is the case with a scam we’ve written about before. In this scam, the fraudster pretends to be from the FTC and emails people, telling them they’re under investigation and to click on a link for more information.
If you get one of these emails, stop. Do not click the link. The federal government doesn’t tell people they are under investigation by email. Sometimes, the emails are phishing scams designed to collect personal information, including your email and IP addresses – information that could be used to commit identity theft. Other times, the links are used to install malware on your computer, which can make your device crash, or let the scammer monitor and control your online activity, steal your personal information, send spam, and commit fraud.
Bottom line: If you get an email saying you’re under investigation by the FTC, or required as a witness, the email is fake. You can forward the phony email to spam@uce.gov, the FTC’s email address for spam. This database helps the FTC bring cases involving scams promoted via email. But, most importantly, delete the email.

For more information on how to spot an imposter scam, check out our Imposter Scam page.

Why is it so important to keep your smartphone updated?

Whether you are an Android, iPhone or Windows Mobile user, updating your phone when new software updates become available is an easy and safe way to make sure your smartphone is as secure as possible, you are getting the best mobile experience, and bugs you might not even know exist are fixed before they become a problem.

At some point, maybe once or twice a year, your smartphone will tell you there’s a new update available. Most updates come via the settings application. Interrupting what you are working on and losing access to your phone for a while can be annoying, but it is critical to stay on top of your software updates to keep you safe.

iPhone *
Make sure you have a recent iCloud backup.
Launch Settings from your Home screen.
Tap on General.
Tap on Software Update.
Tap on Download and Install.
Enter your Passcode, if prompted.
Tap Agree to the Terms and Conditions.
Tap Agree again to confirm.

Android *
Open the Settings menu.
Scroll down to About.
Tap the Software Update or System Updates option. Your phone will scan for updates.
Scan for updates.
Tap Download to begin installing an available update.

Windows 10 *
Go to Microsoft’s website to check if the upgrade is available for your phone.
Get the Windows 10 Advisor app, available for free.
The Advisor app will guide you through the process.
Remember, installing updates to your operating systems and applications may be an inconvenience sometimes, but it is key to protect your online security!

* Instructions vary slightly depending on phone manufacturer and
service provider.

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