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Safety Tips for the Holiday Season

Posted by PromiseOne Bank in News

[11/03/2022] PromiseOne Bank cares about protecting yourself, your loved ones and your finances during this busy holiday season. Here are some tips to keep yourself, your money, and your identity safe during the hustle and bustle of the season. Beware of Scams ‘Tis the season for scams. Email scams asking for account information and passwords increase this time of year, as do robocalls with a voice telling you they are from a reputable business such as “Visa Services” or “Amazon”. No reputable retailer or financial institution will ever call you and ask for your personal information. These scams may come in the form of phone calls, text messages and emails. Make sure to hang up the phone calls, and delete unsolicited text messages and emails. If you are concerned, you can call the business back using the phone number provided from their website. Do Not Shop Online Using Public Wi-Fi Utilizing public WiFi is not a safe method when shopping online. To protect yourself, make all online purchases from your home or turn off public Wi-Fi and use data instead. Entering your credit card number or other sensitive bank account information makes you much more susceptible to fraud when using an unsecured network. Carrying Cash or Making Large Cash Transactions Always be aware of your surroundings when you plan to carry large amounts of cash on your person. This includes when you make a large cash deposit or withdraw cash from a teller window or ATM. PromiseOne Bank has security guards in all branch locations for your safety. If withdrawing from an ATM be sure to try to do so in the day time and be aware of your surroundings, including when entering your PIN information. Personal Safety Tips for this Holiday Season

  • Shop during daylight hours whenever possible. If you must shop at night, go with a friend or family member.
  • Avoid wearing expensive jewelry while out casually shopping.
  • Avoid carrying large amounts of cash.
  • Keep cash in your front pocket.
  • If your debit or credit card is lost or stolen, contact your financial institution right away.
  • Beware of strangers approaching you for any reasons. At this time of year, “con artists” may try various methods of distracting you with the intention of taking your money or belongings. Large displays of holiday gifts should not be visible through the windows and doors of your home.
  • Be extra prudent to lock your doors and windows when you leave your house or at night.
Stay safe, be well, and happy holiday from everyone at PromiseOne Bank.

2022 PromiseOne Bank Scholarship

Posted by PromiseOne Bank in News

[09/01/2022] The 8th PromiseOne Bank Scholarship with Choson Foundation Look Forward to the Future!   To encourage the academic future of students of the community, PromiseOne Bank and Choson Foundation jointly offering scholarship to 10 students.

  • Who: High School Senior and College  Student of 2022-2023 school year for schools located in Gwinnett, Fulton, DeKalb, Harris (TX) Counties.
  • Scholarship Amount: $2,000.00 per person (Total 10 Students)
Documents required:
  1. Application for Scholarship
  2. Unofficial Transcript – If the student’s application is selected, we may ask that a sealed official transcript to mailed to us prior to the disbursement of the scholarship award
  3. 2021 tax return of student’s parent/guardian
  4. Essay – “What's the most difficult challenge you've ever faced? How did you handle it?"
  • Where to send complete application: PromiseOne Bank Scholarship Committee Scholarship@promiseone.bank
  • Deadline: 10/21/2022
 

Tips to Protect Yourself from Fake Check Scams

Posted by PromiseOne Bank in News

[6/17/2022] Fake Check Scams As the pandemic continues and as inflation continues to increase, fraud will continue to rise with it. One of the methods fraudster use is known as a fake check scam. In a fake check scam, fraudsters will issue you a check or money order worth more than the amount owed to you and instruct you to wire the excess funds back to them before receiving your lump sum payment. After you have sent the money, you find out that the check or money order is fake. Some scams involve payment for a new job, overpayment for something sold online, or “prize money” from a lottery or sweepstakes that you have “won”. Regardless of the situation, the scammer’s goal is always the same, try to convince you to deposit the fraudulent check or money order and then send some of the money back. Real life scenario: A fraudster emailed the victim saying he found her resume online and after an “interview” conducted over a texting platform, she was “hired”. The new boss needed her to buy a computer and told her he was going to send her a check for $1,900. The victim thought this was legitimate and deposited the check into her account. The money showed up in her account with no problem (so she thought). The boss then instructed her to send payment to an individual via Zelle for payment of the new computer. The victim knew the money was gone, but assumed it was their money to lose and did not suspect any foul play. What she did not realize was the money was never really there. The job was fake, the check was worthless, and ultimately bounced, leaving the victim overdrawn and liable for the amount overdrawn. Federal law requires financial institutions to make some portion of the check funds available immediately (Regulation CC), even before the check clears. However that does not mean that the check cannot come back and reverse. This is why you should be careful when depositing checks from individuals unknown to you. How to protect yourself: If you are suspicious about a check you received, ask yourself:

  • Is the check for more than you expected?
  • Did you receive specific instructions on how to deposit the check?
  • Are you asked to send money back using an immediate form of payment such as, a money order, gift card, wire transfer, or mobile payment?
  • Are you directed to act quickly to make the deposit and return the money?
  • Does the person who sent the check keep asking when you’re going to send the money?
If you answered ‘yes’ to any of these questions, don’t deposit the check. Be aware: It can take weeks for a bank to confirm a bad check after it’s deposited and you may be out the amount of the check and any money sent to the scammer.

JA Discovery Center Gwinnett

Posted by PromiseOne Bank in News

[5/12/2022] PromiseOne Bank team had a great time volunteering with Junior Achievement of Georgia at their Discovery Center in Gwinnett. Our dedicated volunteers assisted Jordan Middle school student through the rare opportunity to experience their personal financial futures first-hand. Volunteers assisted students in an immersive simulation that enabled the students to develop skills to successfully navigate todays complex economic environment and discover how decisions today can impact tomorrow. It was fun working with the students and sharing our financial knowledge that the students can utilize as they plan for the future! PromiseOne Bank will be planning future events and will continue support for our community!

PromiseOne Bank Mobile App

Posted by PromiseOne Bank in News

Google (Android):  Download Apple (iOS): Download

E-Statement

Posted by PromiseOne Bank in News

Shredding Event

Posted by PromiseOne Bank in News

Shredding Event

  • May 14, 2022 (Sat) 10am - 12pm
  • PromiseOne Bank, Duluth Branch Parking Lot (2385 Pleasant Hill Road, Duluth, GA 30096)
  • by Appointment only: Call (678) 722-8068

COMMUNITY REINVESTMENT ACT

Posted by PromiseOne Bank in News

Security Tips

Posted by PromiseOne Bank in News

[12/02/2021] Security Tips The holidays are upon us, the most magical – and sometimes the most hectic and stressful – season of all. Don’t let security threats and scams ruin your holiday jeer. With most consumers planning on doing the majority of their holiday shopping online, fraudsters know ‘tis the season to commit fraud. Unfortunately, cybercriminals take full advantage of the holiday hustle and bustle. Here are some tips to stay safe during the holiday season:

  1. Do your online shopping from home or on a trusted network. Connecting to public wifi allows fraudsters the opportunity to intercept your personal information. If you cannot wait to get home to make a purchase, use your mobile service provider’s internet connection as opposed to a public wifi as available at most retailers.
  2. Be aware of phishing attempts. Watch out for fraudulent emails and text messages that appear to be from legitimate sources. Fake shipping notices, offers “too good to be true” and phony fraud warnings that fraudsters use to trick consumers into providing sensitive information or could infect your computer and/or mobile device.
  3. Monitor your bank account. Review transactions for legitimacy. If you see anything suspicious, notify your Bank right away.
  4. Use trusted vendors and apps. Be sure to make your purchases from established and trusted vendors. Watch for links or sites that redirect you to another site.
  5. Create unique passwords and do not save sensitive information on your phone. Never store secure information such as passwords, social security numbers, or banking information on your phone.
Protecting your privacy is our highest priority. By increasing your awareness, you can help avoid becoming the victim of cybersecurity and identity theft issues. We hope all our customer’s have a happy and healthy holiday season.

We Are HIRING!

Posted by PromiseOne Bank in News

We Are HIRING !

  • Lending Department : 00
  • Deposit Operations : 00
  SEND RESUME TO: Career@PromiseOne.Bank