Articles & Resources

Your Resource for Helpful Financial Information

There’s always something important to know about personal finance. We try to cut through the seemingly bottomless well of information to provide a manageable collection of articles and resources listed for you here.

Online Security Tips from Two Rivers Bank & Trust

Cyber Tips:

Financial education from the FDIC:

HSA Info:

Identity Theft and Fraud:

Financial Tips for Seniors:

Savings Bonds:

Managing Someone Else’s Money:

Click on the heading you would like to read more about:

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Consumer Fraud Alerts

Tips for Avoiding Mortgage Modification Scams

Cardholders Beware:

Please do not respond to any email or phone call that directs you to update your personal information by dialing a telephone number. If you should ever need to contact your card company, use the telephone number on the back of your card ONLY.

Scammers use this method to get your personal information so they can use it for their benefit. Once they get it, they can use your credit/debit card information to make purchases for themselves and you get the bill.

Please be assured that your bank and/or your card company already have your information. We do not need to call you to ask you for this information. If someone would contact you saying they are from the bank and you are not sure, you can hang up and call the bank directly and ask for the person that called you.

Online Banking: Safe and Secure

When you log onto the web, you want to feel safe and protected. This is doubly true when you access your bank’s website. You want to feel assured that your financial information is protected.

When you use online banking to access your account, you can rest easy knowing your information is safe. Our online banking service provides one or more of the following:

Password Protection

No one can access your account information without knowing your log in information, including a secure password that you choose yourself. DO NOT SHARE THIS WITH ANYONE. This is for your information alone, and for your own protection.

Multi-Factor Authentication

Your identity verification involves more than just a password—anyone wishing to access your account must also provide additional login information, ensuring no one can access your account with just your password. This usually involves something you know, such as your password or PIN, with something you have in your possession, such as your ATM card.

Encryption

Once you are logged in, your actions are protected by secure encryption that converses your information into code so that is only readable by you and your bank.

Privacy Policy

We work hard to make sure your private information stays that way. Take a look at our strict privacy policy to see exactly how we do it.

BE SAFE WHEN BANKING ONLINE

Just as it is important we do everything we can to keep your information safe, it is equally important that you take certain precautions to make sure your data stays secure.

When you use online banking make sure you always follow these guidelines:

  • Create a strong password: Make sure your password is something besides “1234,” your name or birthday, or the word “password.”
  • Get anti-virus protection: Keep your anti-virus software up to date and make sure it scans every email you receive.
  • Email is not encrypted: be aware that email is generally not encrypted. Do not send important information or private data such as account numbers or passwords via email. If you need to relay important information, take the time to call the recipient directly.
  • Always log out: When you are done using online banking, don’t forget to log out so that the next person at the computer won’t be able to see or use your data. This is especially important at a public computer.
  • Stay alert: Criminals are always coming up with new and creative ways to separate you from your private information. Stay on your toes and trust your instincts—when anything seems suspicious, that’s probably because it is.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA)

Two Rivers Bank & Trust and its affiliates does not knowingly solicit individually identifying personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children’s identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.

Service Members Civil Relief Act

The Servicemembers Civil Relief Act provides protection for individuals (and their dependents) in the United States armed forces. This includes members of the U.S. Marines, Air Force, Army, Navy, and Coast Guard. Reservists and members of the National Guard (when in active federal service) are also protected under the act beginning on the first day of active duty, which means when the person ships out to basic training (basic training and job school are considered active duty for National Guard and Reserve personnel, as well as active duty personnel). The purpose of the Act is to prevent loss of residence, automobile, or similar personal property when the debtor is on active duty and living on a military pay scale.

If a servicemember’s military obligation has affected his/her ability to pay on financial obligations, such as credit cards, loans, mortgages, etc., the servicemember can request to have his/her interest rate capped at 6 percent for the duration of the servicemember’s military obligation, or in the case of a mortgage loan for one year after the end of the military obligation.

Qualifying debts are debts that were incurred prior to the servicemember coming on active duty. The servicemember must be on active duty at the time of the request, and the servicemember’s military career must have materially affected the servicemember’s ability to pay on the debt. This provision does not apply to federally guaranteed student loans.

All Loans

The Bank will apply a maximum rate of 6 percent on loans made prior to the start of the individual’s active military service. This interest rate limitation will apply during the individual’s term of active service unless otherwise directed by a court. All interest in excess of 6 percent will be forgiven, not deferred.

Mortgage Loans

In general, if a mortgage loan is originated before the period of the servicemember’s military service and for which the servicemember is still obligated, and is secured by a mortgage, trust deed, or other security in the nature of a mortgage, the Bank may have limited rights in foreclosure court. During the servicemember’s military service or within 9 months after their service has been completed the court may:

  • Stay the proceedings for a period of time as justice and equity require, or
  • Adjust the obligation to preserve the interests of all parties

For further assistance to servicemembers or their dependents, please call the toll-free military one source number (1-800-342-9647).

Website Cookies Policy

Important information we get from you visiting our website.

This policy explains how cookies are used on our website. This policy may be amended from time to time. When it is amended, we will notify you by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. By using our website, you agree to the placement of cookies on your computer in accordance with the terms of this policy. If you do not wish to accept cookies from our website, please disable cookies from your computer or refrain from using our website.

What are Cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies do not contain any data that enables us to determine your actual identity, and they are useful because they allow a website to recognize a user’s device. We use cookies and similar technologies to identify your browser or device. You can find more information about cookies at: http://www.allaboutcookies.org.

Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences, and generally improve the user experience. They can also help to ensure that advertisements you see online are more relevant to you and your interests.

What are Pixel Tags?

Pixel tags are small, invisible images on a webpage or other document that allow us to set, read and modify cookies. When you visit our website, the pixel tag helps us better understand how you interact with our website by observing which pages you’ve visited.

We use analytics tools and other third party technologies to collect non-personal information in the form of various usage and user metrics when you use our site or online services. These tools and technologies collect and analyze certain types of information, including cookies, IP addresses, device and software identifiers, referring and exit URLs, onsite behavior and usage information, features use metrics and statistics, usage and purchase history, MAC Address, mobile unique device ID, and other similar information.

The third-party analytics companies who collect information on the site and/or other online products and services may combine the information collected with other information they have independently collected from other websites and/or other online or mobile products and services relating to your activities across their network of websites as well as online and/or mobile products and services. Many of these companies collect and use information under their own privacy policies.

Opting out and your privacy rights

To learn more about or to opt out of interest-based advertising, please visit the industry opt-out pages operated by the Network Advertising Initiative and by the Digital Advertising Alliance. To obtain more information and/or to opt out of personalized advertising for Google and its partners sites, use the following link: http://adssettings.google.com.

Please note, even if you opt out of interest-based advertising, you may still see other kinds of non interest- based advertising from us.

Funds Availability Disclosure - Next Day

FUNDS AVAILABILITY
YOUR ABILITY TO WITHDRAW FUNDS
EFFECTIVE DATE JULY 1, 2020

Our policy is to make funds from check deposits available to you on the first business day after the day we receive your deposit. Cash and Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal Holidays. If you make a deposit before the end of our business day, on a day we are open, we will consider that day to be the day of your deposit. Our earliest business day cut-off time is 4:00 p.m. The business day cut off time may vary by branch location. Our business hours are posted on the doors of our facilities and can be located on the bank’s website at www.tworiversbank .com. The cut-off time for Two Rivers Bank & Trust ATMs will be no earlier than 4:00 p.m., but may vary by location. Mobile Deposits confirmed as received before 3:30 P.M. Central Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:30 P.M. Central Time or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available on the first business day.

If we are not going to make all funds from your deposit available on the business day we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard Exception Delay – In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposited will not be paid.

You deposit checks totaling more than $5,525 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months.

There is an emergency, such as a failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after your deposit

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

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