Improve Your Finances & Increase Personal Money IQ
Twin Cedars is a community bank in Iowa committed to exceptional customer service and consumer protection. Because of this, we’re dedicated to helping you navigate the complexities of personal finance and financial literacy. Explore our comprehensive video library on essential topics such as AI phone scams, social media privacy, budgeting, home buying, QR code scams, travel insurance, and mortgages with federal funding rates. We want to equip you with valuable knowledge and tools to make informed financial decisions. Trust Twin Cedars Bank to support you every step of the way with our extensive range of banking products and services, including personal checking and business checking accounts, wealth management, credit cards, and more.
Explore the Ways Twin Cedars Can Help
If you found these videos helpful, Twin Cedars Bank has additional personal financial resources on the Personal Product Demos and Tutorials page. We are here to empower you with the insights needed to safeguard and grow your finances in today’s digital age. For personalized assistance or to learn more about our banking products, including competitive rates and favorable terms, don’t hesitate to contact our dedicated team. At Twin Cedars Bank, we are committed to providing the support you need for your personal finances, your business, or your farming operation. Let our financial experts help you stay informed, stay secure, and help you achieve your financial goals!
Scam and Identify Theft Education
What to do if you were Scammed?
Find out what to do if you paid someone you think is a scammer, or if you gave a scammer your personal information or access to your computer or phone.
Learn What To Do
Identity Theft
How it happens: Someone obtains your personal information and racks up debt in your name. They might use your Social Security or Medicare number, credit card, or health insurance information — all linked to your identity.
Learn About Identify Theft
Identity Theft? What You Should Know and Do
Is someone misusing your personal or financial information to make purchases, access benefits, file taxes, or commit fraud? Here are the initial steps you can take to reduce your risk and reclaim your identity.
What You Should Know and Do
10 Tips to Avoid Fraud
Fraudsters employ sophisticated tactics to scam millions of people each year. They often blend new technologies with classic methods to trick people into handing over money or personal details. Here are 10 practical tips to stay one step ahead.
Read the 10 Tips to Avoid Fraud
Home Repair Scams
A contractor might approach you, offering to fix your leaky roof, install new windows, or provide energy-efficient upgrades. They often show up after natural disasters like floods or storms and push you to decide quickly, ask for cash upfront, or offer to secure financing for you.
Learn About Home Repair Scams
Money Mule Scams
Someone may offer you a job, claim you’ve won a prize, or start an online relationship. The next thing you know, they want to send you money and ask you to forward it elsewhere. Usually, they’ll ask for a wire transfer or gift cards, but the money is stolen. There never was a job, prize, or romance—just a scam.
Learn About Money Mule Scams
Telephone Scams
Every year, countless people lose money to phone scams—ranging from a few dollars to their life savings. Scammers might sound friendly, call you by name, make small talk, and ask about your family to win your trust. They may even send you letters or post ads to persuade you to call them.
Learn About Phone Scams
Impostor Scams
You receive a call or email claiming you’ve won a prize, or the message appears to come from a government official or someone you know, like a grandchild or friend. Or perhaps it’s from someone you've met online but never in person.
Learn About Imposter Scams
Health Care Scams
You see an ad on TV about a new law requiring you to get a new healthcare card, or you get a call promising big discounts on health insurance. Some even claim to be from the government, asking for your Medicare number to send you a new card.
Learn About Health Care Scams
"You’ve Won!" Scams
You receive a card, call, or email announcing that you’ve won a prize—maybe a trip, a lottery, or sweepstakes. The person contacting you is thrilled and eager for you to collect your prize, but there’s a catch: they ask for fees, taxes, or customs duties upfront and request your credit card details.
Learn About "You've Won!" Scams
Tech Support Scams
A pop-up or urgent message appears, warning you that your computer is infected. It may seem like it's from a familiar company like Microsoft or Apple, or your internet provider, urging you to call a number to avoid losing personal data. But is this a legitimate threat?
Learn About Tech Support Scams
Grandkid Scams
You get a panicked call: "Grandma, I need money for bail" or to pay for a medical emergency. The caller stresses urgency and tells you to keep it secret. But is the caller really who you think they are?
Learn About Grandkid Scams
Online Dating Scams
You meet someone special online, and soon they want to shift communication to email or phone. They profess their love but claim to be far away, possibly for work or in the military. Then, they ask for money—maybe for a plane ticket to visit you or for emergency surgery.
Learn About Online Dating Scams
Money Wiring Scams
While wire transfers are a convenient way to send and receive money, scammers love using this method for their schemes.
Learn About Money Wiring Scams
Scams and Your Small Business
If you run a small business or nonprofit, you invest time and effort into making it successful. But when scammers target your business, it can harm your reputation and financial stability. The best defense? Learn to recognize the warning signs of business-targeted scams, and educate your team on what to look out for.
Learn About Scams and Your Small Business
