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National Iron Bank Receives 5 Star Rating from BauerFinancial
BauerFinancial, the Nation's Premier Bank Rating Firm, just gave National Iron Bank its highest 5-Star Superior rating. National Iron Bank is no newcomer to Bauer's 5-Star Rating. In fact,...5 Scams to Watch Out For During the Holidays
...IRA Contribution Limits
For those of you who contribute to an IRA, we want to remind you of the contribution limits for Traditional and Roth IRAs....
Norfolk Featured Artist - Karen Rossi
Come to the Norfolk Branch to view the stunning work of local artist Karen Rossi. Working in multiple mediums, she creates whimsical paintings, sculptures, mirrors, mobiles, wearable art and mor...Stop. Think. Connect.
You can find Wi-Fi almost anywhere you are these days. Unfortunately, that also means identity thieves have more opportunities to steal your information whenever you have an Internetenabled device in ...Beware of Fake Check Scams
Here’s a scenario that’s already victimized hundreds of unsuspecting people: Have you ever received a letter and cashier’s check claiming you’ve won a sweepstakes or lottery? A...Does it Pay to Refinance?
With interest rates at historic lows, you may be wondering if this is the time to refinance your home loan. While it’s hard to say “no” to super low rates, refinancing may not always...Children and Identity Theft
Financial institutions, credit card companies and the media often warn adults about the dangers of identity theft, but what about children? According to the Federal Trade Commission, 400,000 child ide...Is an Adjustable-Rate Mortgage Right for Me?
An adjustable-rate mortgage (ARM) can be a great option for many homebuyers, helping to reduce monthly payments and cut long-term costs in some cases. Unlike a traditional fixed-rate mortgage, an ARM ...Protect Yourself from Identity Thieves
Identity theft is one of the fastest growing crimes in the country. And here at National Iron Bank, we are doing all we can to help protect you. Along with following the suggestions below, we have a p...Your Social Security Number: When You Should Give it Out
With the extreme surge in identity theft these days, you should heed extra caution to carefully protect your Social Security number. Avoid giving it out unless you are convinced it is required or is t...Applying for a Loan or Credit Card?
Check Your Credit Report First. Whether you are applying for an loan or a credit card, what you have done with your finances in the past may affect whether or not you get the new line of credit &ndas...Keeping Score - Facts about Credit Scores
Who’s keeping score? The credit industry is. Every time you apply for a new credit card, a mortgage, perhaps even an insurance policy or a job, your application is judged in part on your credit ...Check Washing: What is it?
According to the National Check Fraud Center, check washing takes place to the tune of $815 million every year in the U.S. And it is increasing at an alarming rate....Preventing Debit Card Fraud
Consumer use of debit cards is surging in popularity, and unfortunately, so is debit card fraud. To avoid becoming a victim of debit card fraud, the American Bankers Association offers these tips:...New Scams You May Not Know About
Alert: New Scams You May Not Know About Identity thieves rely on some common, old-fashioned techniques to get your information, such as stealing your wallet, going through your garbage to find persona...Text Message Scam Alert!
There's a new scam that fraudsters are using to obtain your personal financial information, and it's coming to a cell phone near you. Beware of text message scams!...Safe Online Shopping
The holidays can be a busy time of year, and doing your holiday shopping online can be a great way to save time while you find the right gifts at the best price. You’ll skip the parking lot wars...Know Before It's Too Late: Protecting Yourself from Fraud
Many times, people have the It-Can-Never-Happen-To-Me mentality about fraud. Unfortunately, this is a growing problem. Although not always completely preventable, there are many techniques and multipl...Storing your important documents
When it comes to record keeping, do you feel like a packrat, storing years of bank statements in the back of your closet? Or maybe you don’t store enough, and find yourself wishing you’d k...Finance All Your BIG PLANS with a National Iron Bank Home Equity Loan!
Do you have big plans to tackle a home improvement project? Consolidate debt? Finance a college education? Buy a new car? With a home equity loan from Mountain Community, it’s possible!...Don’t Take the Bait - Protect Yourself from Phishing Scams
Phishing is a type of online scam designed to get valuable personal data from you – like your Social Security number, credit card numbers, passwords, account data and other personal identifying ...Beware of Vishing Scams
Vishing, which is another form of fraud like phishing, uses a two-part technique to get personal information from consumers just like you....Manage Your Online Information
As consumers of online services, we create information through our use of social media, online shopping and many other activities. Public records are also a source of information about an individual, ...How Long Should You Keep Your Statements?
We all have one – that desk drawer or folder stuffed with financial paper statements. Every once in a while, you might go through and throw out everything you don’t “think” you...Create a Hacker-proof Password
Online passwords may seem more like a nuisance than a security device, but creating hacker-proof codes is extremely important. It is tempting to create passwords that are easy to remember, like using ...Buying your First Home?
Here’s some information no one else will tell you! Buying your first home can be stressful, but we’ve got some tips to make buying your first home easier. And best of all, you’ve go...Roth and Traditional IRAs: Which One is Right for You?
Establish that nest egg you’ve always wanted – starting now! Many people put off saving for retirement, which can seriously set them back on retirement planning. And these days, it’s...Online Banking
For day-to-day monitoring of your National Iron Bank accounts, nothing beats Online Banking. All you need is a spare moment to log on to the Internet and you can keep tabs on your account activity, tr...Get on Track for Retirement – 10 Smart Tips
Many times, people put off saving for retirement, which can seriously set them back on the track to retirement planning. While it’s always a good idea to have a trusted financial advisor with wh...What to Do with Your Retirement Savings When Changing Jobs
Even though we usually accept new positions for positive reasons, changing jobs can still be stressful, especially on finances....Snap. Click. Deposit. Remote Deposit Capture from National Iron Bank is Here!
No more running to the bank to deposit checks. With remote deposit capture from National Iron Bank, you can do it whenever, wherever with just the click of a button!...Simplify…Your Paperwork - Your Finances - Your Life!
Buried in forms and statements? Confused by choices and changes in how you bank? Overwhelmed by the time it takes to manage your finances?...Online Bill Pay
As an added convenience for our customers/members, National Iron Bank offers Online Bill Pay through our Online Banking services....10 Easy Ways to Save Money
There is a lot of advice going around for how to save money, but here are some tips that are useful… and totally easy to follow!...Is a Roth IRA for You?
More and more Americans are choosing to put money into Individual Retirement Accounts (IRAs)....Mapping Out Your Retirement
When vacation time comes around and you plan that road trip with your family, don’t you map things out, decide where you’ll stay each night, what attractions there are to see and how much ...Online Banking is Safe
Online Banking is a free service provided by National Iron Bank, allowing customers to enjoy secure access to their accounts, anytime, anywhere....Stay Out of Debt: Create an Emergency Fund
According to a survey by Bankrate.com, more than one-quarter of Americans (27 percent) have no emergency savings, and only half say they have enough to cover three months’ worth of expenses....Understanding Regulation D
When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form....IRAs – They’re Not Just for Tax Time
Contrary to what many people think, an IRA (Individual Retirement Account) can be opened or contributed to at any time during the year, not just at tax time....Sign Up for e-Statements
Save time. Save space. Save money. Save a tree! Environmentally-conscious and security-minded people are choosing to receive e-Statements in place of traditional paper statements. National Iron Bank o...Manage Your Money on the Go
Mobile Banking from National Iron Bank puts banking at your fingertips! You’re busy, and managing your money on the go can be a challenge. Now you can stay on top of your finances anytime, anywh...Making Home Improvements? Save Some Cash!
Home improvements can be costly, but with good planning – and a consideration of your skills and free time – you can most likely save a good chunk of cash on your next project! Here are so...Eight Smart Ways to Lower Your Food Costs
Groceries take up a huge portion of people’s monthly budgets, especially when there are children involved. Since food prices will more than likely continue to climb, wouldn’t it be nice if...5 Money Mistakes & 5 Easy Fixes
It’s scary but true – just a few financial mishaps here and there can add up to a lot of lost cash. Check out these five common money mistakes and follow the advice to help spot money leak...There's No Better Time to Buy a Home.
Take Advantage of this Window of Opportunity! In today’s turbulent economic climate, making a major purchase—such as a home—probably doesn’t strike many as a great idea. But a...Budgeting Your Money in a Tough Economy
Budgeting your money and staying in control of your finances is never easy, but the difficulty of it soars in a troubling economy. Money is tight just about everywhere right now, and it’s more i...Selling Your Home for Top Dollar on a Tight Budget
Getting a good price for your home doesn’t have to mean spending a fortune installing granite countertops, sky lights or radiant floor heating. Instead, try out these tips for maximizing your ho...Cheap Alternatives for Expensive Entertainment
Looking for ways to cut back on expenses without sacrificing your quality of life? Read below for tips on how to have both a fun—and frugal—lifestyle....Home Equity Loan vs. Home Equity Line of Credit
What’s the difference? With the equity you’ve built up in your home over the years, you could be sitting on a lot of money! When you’re ready to put your home’s equity to work...Grab New Opportunities... for a Richer Life
...Live Well on Less
In an era when Americans have a lower savings rate than during the Great Depression, it seems that “budget” is a dirty word. Eating out, $5 cups of coffee and designer labels have become s...Get a Mortgage from the People You Trust
Every house needs a solid foundation, and a mortgage from National Iron Bank is just the foundation you need. Whether you’re applying for a new loan or refinancing your existing mortgage, you ca...The Best Time to Buy Just About Everything!
Don’t miss out on your chance to save big! Paying attention to market trends will allow you to purchase just about anything at a reduced price....Think First before Buying a Second Home
Imagine leaving behind the stress of your day-to-day life and jetting off to your very own island beach home every weekend. Sounds pretty nice, right? But in reality, while owning a second home certai...What is a HELOC?
HELOC stands for Home Equity Line of Credit. Simply put, a HELOC is a loan against the equity you have built up in your home. It differs from a traditional home equity loan in that a HELOC offers a re...Starting Your Own Business? Let Us Help!
The key to starting a successful business is lots of careful planning. If you’re considering starting your own business, consider these tips from the Small Business Administration and National I...How to Promote Your Small Business
Trying to get your small business off the ground? Check out the information below for tips on how to promote your business and set yourself on the path to success!...Disaster Recovery Plans - Are You Ready?
As technology becomes more and more advanced, so does the potential for something to go wrong with it. If a disaster was to strike your business, would you be ready?...Switching from Credit to Debit
National Iron Bank has always encouraged the smart use of credit cards and advises you to be careful of how you spend your money, especially when you reach for your plastic....Money at Your Fingertips with Surcharge-Free ATMs
National Iron Bank gives you anytime, anywhere access to your money - just use your ATM card at any of the MoneyPass® network ATMs and you won’t pay a surcharge!...Reducing your Heating Bill
If you live in a cold-weather state, you’ve most likely felt the pain of winter heating. With energy costs continuously rising, the outlook of a heating bill lowering on its own is not so hot....Traveling Abroad? Let Us Know!
If you will be traveling abroad and intend to use your National Iron Bank debit card during your trip, please call to let us know!...What's the Difference between Choosing Credit and Debit?
Decisions, decisions. Every time you go shopping and use your debit card to pay at the register, you’re asked to choose debit or credit. So what’s the difference?...What You Should Know About Health Savings Accounts
What is a Health Savings Account (HSA)? An HSA is a tax-favored savings account for individuals and families covered by a high deductible health plan (HDHP). Contributions to an HSA are tax-deductibl...Benefits of a Debit Card vs. Cash or Check
When making purchases, millions of consumers are now opting to pay with a debit card instead of reaching for the more traditional payment methods of cash or check....Check Imaging at National Iron Bank
To ensure safe and efficient banking, National Iron Bank utilizes check imaging for our business checking customers. During this practice, an electronic image is created of the front and back of every...Simple Money Management: Balancing Your Checkbook
Balancing your checkbook may seem old-fashioned, but reconciling your finances each month is one of the most basic habits of good money management. If you don’t already record your purchases, wi...5 Ways to Avoid Overdraft Fees
The average overdraft fee on a checking account is $26 – money that you could undoubtedly use for more important things....Save Time with Direct Deposit!
National Iron Bank knows that there are more important things in life than going to your bank. Save yourself a trip by signing up for direct deposit. No more waiting in line to cash your check. Your m...Go Green!
You’ve probably spent plenty of time thinking about how to invest your money, but how often have you considered investing in the environment?...Reduce Energy Use & Stop Draining Your Wallet
$160 billion is a huge amount of money. But that’s how much Americans spend annually on heat, air conditioning and electricity....Tax Credits for Energy-Efficient Improvements
Making energy-efficient home improvements might be well worth your time – and dime! If you can come up with the money to make a few changes in your home, you could reap substantial savings from ...Save Smart with a Health Savings Account
Skyrocketing insurance premiums and rising prescription drug costs have us all worrying about how to best manage our medical expenses. At National Iron Bank, we can help you prepare for the future wit...Want to Buy a Foreclosed Home? Get the Facts.
Home prices are falling all across the country, but foreclosures are on the rise. If you’re in the market to purchase a home and have been considering a foreclosure, it can become a stressful an...You Can Lower Your Medical Bills
When purchasing a new home or vehicle, we expect to negotiate what we think is a fair price. We wouldn’t pay full price up front, right? So why do we pay full price for our medical bills?...Tips to Sell Your Home Faster
If you are gearing up to sell your house, you’re probably wishing for a fast and painless process. One way of increasing your chances of a quick sell is by sprucing the place up. Even if you hav...Tips to Increase the Resale Value of Your Home
Everyone knows that home improvements – in general – can help boost a home’s resale value. But don’t kid yourself into thinking that all home improvements will deliver on their...
Welcome to Our New Website!
Customers and visitors can now enjoy the convenience of having a virtual branch at their fingertips....