Lyon County State Bank

Personal Banking

Debit, Credit and Prepaid Cards: There Are Differences

Many consumers use debit, credit and prepaid cards, often interchangeably, to purchase goods and services. However, these three types of cards are quite different. Consider the following. Each card works differently. If you use a credit card, you are borrowing money that you must pay back, in addition to… Learn More

Teaching kids about money, Grades 9-12

Here are key tips to help your high school students begin to connect the facts of personal financial education with real-life opportunities … and then to begin implementing them. Get to know what taxes are: If you haven’t already, review a pay stub together and explain that the taxes… Learn More

For Newlyweds: Starting a Household on Solid Ground Financially

For newlyweds, the first big financial decisions go beyond how to pay for the honeymoon and how to invest all those checks. They also involve starting a new household on solid ground financially. “Financial incompatibility is a primary reason for a significant number of failed marriages,” said Lee Bowman,… Learn More

Teaching kids about money, Grades 6-8

Middle-school children are more likely to begin earning money outside of the house, and their increasing “wealth” and independence can open the door to costly impulse purchases. What advice can parents and guardians pass along to them? Work more, earn more: Create opportunities for your child to earn more… Learn More

5 Things to Know About Safe Deposit Boxes, Home Safes and Your Valuables

1. Think about what should or should not be kept in a bank’s safe deposit box. Good candidates include originals of key documents, such as birth certificates, property deeds, car titles, and U.S. Savings Bonds that haven’t been converted into electronic securities. Other possibilities include family keepsakes, valuable collections,… Learn More

10 Ways to Protect Your Personal Information and Your Money

Audio (MP3 12.5 MB) The news often includes reports about thieves gaining access to sensitive personal information that can be used to commit fraud or steal money, sometimes involving major security breaches at large companies such as retailers. “These reports may cause some consumers to be skeptical about engaging… Learn More

Teaching kids about money, Grades 3-5

Kids in this age group are ready for meaningful lessons about saving and spending money wisely. Many also are ready to open their first savings account, if they haven’t already. Here are key concepts to teach. Think before you buy: Continue discussing with children how to separate their needs… Learn More

5 Tips to Help Rebound From a Bad Credit History

For people grappling with a history of debt payment problems, improving their credit record may seem like a daunting task. FDIC Consumer News offers these tips, which can help increase the chances of qualifying for better loan terms, lower insurance rates and perhaps even a new job or apartment.… Learn More

Safe Shopping, Buying and Paying: How to Protect Your Money

Criminals often try to steal money or commit fraud by targeting consumers as they are buying and paying for things or by obtaining valuable personal information from previous purchases. We have compiled simple ways to help you be as safe as possible. When Shopping in Person Provide only the… Learn More

If You Need to Borrow for Higher Education

College or graduate degrees can provide career options and higher income, but they also can be expensive. If you need to borrow for school, carefully consider your options, keep the loan amount as low as possible, and have a clear repayment plan. Here are strategies to keep in mind.… Learn More

Protect Yourself From Mortgage Scams

Let’s say you are a homeowner in financial distress and at risk of losing your home. You may also have heard that the government is requiring mortgage servicers to mail offers of assistance to borrowers who are behind in their payments. Then, an official-looking letter arrives “guaranteeing” to save… Learn More

Teaching kids about money, Grades Pre-K to 2nd Grade

Children in this age group are naturally curious about the world around them, including money. By introducing several basic concepts — and being a good role model — you can help them gain financial skills that can last a lifetime. Learn about how money is made and used: Children… Learn More

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