Recognizing and Avoiding Text Message Scams (Smishing)
Fraud tactics continue to evolve as criminals look for new ways to steal personal and financial information. One of the fastest-growing threats today is the text message scam, also known as smishing. These fraudulent messages are designed to trick people into clicking malicious links, sharing sensitive information or sending money. Banks and financial institutions across […]
How to Fix Your Credit Score: A Fresh Start Guide for 2026
Let’s be honest — your credit score can feel like this mysterious number that controls your financial life. Whether you’re trying to buy a home, finance a car or even just get approved for a better credit card, that three-digit number matters more than most of us would like to admit. The good news? Your […]
How to Open a Joint Checking Account: Your Complete Guide
Whether you’re newlyweds combining finances, long-term partners ready to share expenses, or family members managing household costs together, opening a joint checking account is a significant financial milestone. While the process may seem complex, understanding the steps and requirements can make it straightforward and stress-free. At Community Point Bank, we’re here to guide you through […]
Buy Now, Pay Later Christmas Presents: What You Need to Know
The holiday season is here, and with it comes the pressure to find perfect gifts for everyone on your list. As you browse online stores this year, you’ve probably noticed a tempting option at checkout: “Buy now, pay later.” These services promise to let you spread the cost of Christmas shopping over several weeks or […]
Mortgage Scams to Avoid: Protecting Yourself When Buying or Refinancing a Home
Buying a home is one of the biggest financial decisions you’ll ever make. Unfortunately, it’s also a prime target for scammers. Mortgage scams are fraudulent schemes that trick homeowners or prospective buyers into losing money, property or sensitive personal information. Scammers often target financially vulnerable people with promises that are too good to be true […]
What Is a Financial Wellness Checklist and How to Create One?
Managing money can sometimes feel overwhelming, especially when you’re juggling bills, savings goals and long-term plans for retirement. A financial wellness checklist is a simple yet powerful tool that helps you take control of your personal finance, identify your priorities and track your progress toward financial success. In this blog, we’ll define financial wellness, explain […]
Work From Home Scams: How to Spot and Avoid Them
The dream of working from home is more alive than ever. Trading your commute for a cozy home office? Yes, please! But as remote work has boomed, so has a shadowy industry of scammers looking to cash in on our dreams. It’s a bigger problem than you might think. The Federal Trade Commission (FTC) reported […]
AI in Finance: Can It Help You Build a Better Budget?
Artificial intelligence has woven itself into nearly every aspect of our daily lives. From the voice assistant that sets your morning alarm to the recommendation algorithm that suggests your next Netflix binge, AI is everywhere. Now, this powerful technology is making waves in personal finance, promising to revolutionize how we budget, save and manage our […]
Military Romance Scams: Protecting Your Heart and Your Wallet
Romance scams have become one of the most devastating forms of fraud, with losses reaching $1.3 billion in 2022 according to the FTC. Among these heartbreaking schemes, military romance scams hold a particularly painful place, exploiting both our respect for service members and our desire for meaningful connections. If you’re wondering whether that charming soldier […]
Rent My Car On Turo? Weighing the Risks and Rewards
As the side hustle economy continues to grow, many vehicle owners are exploring car-sharing platforms like Turo as a potential source of income. The concept is appealing—turn your parked car into a revenue-generating asset. However, like any financial decision, it’s crucial to carefully evaluate both opportunities and risks before diving in. At Community Point Bank, […]