Author: Brooke Wiles

Where To Get Financial Help During The COVID-19 Crisis

Written by Brooke Wiles on April 13, 2020. Posted in Money Matters, Uncategorized.

Over the past several weeks, as the COVID-19 global pandemic has spread, so has the need for resources and emergency aid. Each hour brings with it new developments, announcements, and changes, making it hard to keep up or know exactly where to reach out in the event you need assistance.

We’ve rounded up some of the most needed resources and tips on who to contact should you need help during the Coronavirus crisis.

If you need help paying your bills

While you may feel financially overwhelmed, the best option is always to face it head-on and make a plan, rather than ignore it. If you are struggling to pay your bills due to job reduction or loss, the best course of action is to call your lender or utility company.

Many lending companies, utilities, and other organizations are working with their borrowers and customers during this crisis. Contact your lenders, communicate your needs, explain your situation, and they may be able to help.

Being proactive and having a plan of action during this time will be the easiest way to reduce stress and anxiety.

Basic Necessities

If you are unable to purchase food and basic essential needs for your household, you may be eligible for the Supplemental Nutrition Assistance Program (SNAP). To locate your local office, visit the state directory (https://www.fns.usda.gov/snap/state-directory), or contact the SNAP hotline at 1-800-221-5689.

If you don’t qualify for SNAP, there are still resources available for help. Locate a local food bank or pantry by visiting Feeding America or FoodPantries.org

Unemployment Benefits

The federal government has given states the authority to expand their unemployment benefits programs and offer new options in response to COVID-19. For the most updated information and to easily find your state’s unemployment benefits program, visit CareerOneStop.

Filing Taxes

The IRS has developed a special page on its website to support Americans affected by the COVID -19 virus. Visit the page here to see updates as new information is available.

It has been recently announced that the tax deadline for filing and payments has been extended to July 15, 2020. Additionally, several VITA (Volunteer Income Tax Assistance) sites have suspended operations and may offer alternative solutions, such as virtual assistance and drive-by drop off locations.

While federal payments have been extended, states may have different guidelines. For state developments, visit this list by the American Institute of CPAs, which is updated often.

Student Loans

While President Trump has recently announced an interest freeze on student loans, there’s still much uncertainty around what steps to take. The freeze only applies to federal student loans, meaning private loans are currently without relief.

“It’s not always the best idea to keep deferring payments – especially if you are trying to qualify for the federal student loan forgiveness program,” advises Lila Quintiliani, AFC and Military Saves Program Manager. “People might do better to switch to income-driven repayments, particularly if their income is reduced.”

To find out your specific repayment options, contact your lender directly.

Beware of Scammers

You must be careful to ensure you and your family members, especially the elderly, don’t fall prey to scams. Verify contact information with reputable sources, such as a company’s official website. Also, beware of giving any personal data that is requested via email. You can learn more about how to avoid scams or report a scam by visiting the Federal Trade Commission’s website.

During times like this, it’s more important than ever that we look out for each other, build community, and take positive action so that we are better prepared as a nation in the future.

Source: AmericaSaves.org/blog

4 Steps to Spending Your Stimulus Check Wisely When You Don’t Have An Emergency Fund

Written by Brooke Wiles on April 13, 2020. Posted in Money Matters.

Most Americans don’t have an emergency fund. While we’re all experiencing this pandemic very differently — some having only minor inconveniences and others finding themselves without a job or having to close their business — those without a savings cushion are vulnerable to feeling the ramifications of COVID-19 for a very long time.

With stimulus checks on the way, there will be tough financial decisions to make once received. Here are active steps you can take, along with things to consider to help you develop a solid spending plan.

1. Make a list of all expenses

Write out every single expense that you have, including essentials like food and utilities. Be sure to go through your checking and savings account history to make sure you don’t have any “vampire” expenses, like monthly subscriptions that you may have forgotten about and no longer need.

2. Talk to all creditors and lenders

The CARES Act puts into effect two mortgage relief provisions: protection from foreclosure, and a right to forbearance (pausing or making partial payments) for those experiencing loss of income due to COVID-19. However, the provisions are not automatic and are only for federal loans, so you MUST talk to your lender.

If a creditor/lender offers you a payment plan or other relief, make sure you get it in writing and take note of the names and dates of the customer service representatives with whom you speak.

Thankfully, some utility companies have announced they won’t cut off services if they aren’t being paid. Be sure you know all of your utility and service providers’ stance on this, so there are no surprises. You don’t want to make any assumptions.

3. Prioritize expenses

Expenses relating to food, shelter, and medicine should come first. This would include mortgage, rent, utilities, groceries, diapers, and medications. It also includes medical insurance premiums and homeowners/renter’s insurance.

If you need childcare to work, that is another essential expense. Next in line are auto-related expenses, including transportation, gas, insurance premiums, and car payments.

Loans that are secured by collateral (for example, mortgages and auto loans) are generally considered more important than those without collateral, like consumer credit card debt. For example, if you don’t pay your mortgage, a bank can foreclose on your property; if you don’t pay your car loan, the bank can seize your car. While not paying your credit card bills will negatively affect your credit score, credit card companies will not come into your house and take your personal possessions.

Federal student loans are currently not accruing interest until September 30, 2020, and can be put into forbearance so that no payments are due. If you have a private or institutional loan, you will have to contact the lender for other options.

Remember, if you can afford the minimum payments on your credit cards, then make those payments. It will help to maintain your credit score.

Expenses for “elective” items, like gym memberships, streaming services, and other subscriptions, come last. Before simply canceling a contract, make sure to contact the vendor – canceling may come with a hefty penalty, but you may be able to temporarily “pause” the service.

4. Pay your debts in the order of priority.

Now that you know all your expenses, have prioritized them, and know your payment options with creditors and lenders, it’s time to make the payments in order of priority.

It’s important to note that many are still receiving their tax refunds now, too. If you receive a refund, you can apply the same process to that extra income.

If you are still unsure or are overwhelmed with where to start, use our decision tree for guidance on what to do with your stimulus check and tax refund.

Written by Carolyn Pemberton, AmericaSaves.org/blog

FNB Paducah Mini Golf Open

Written by Brooke Wiles on September 12, 2019. Posted in Happenings.

Join us at FNB’s first Paducah Mini Golf Open on Thursday, October 3rd in the Rear Parking Lot of Mellow Mushroom and Dry Ground Brewing at the Historic Coke Plant. Mellow Mushroom will provide a buffet and appetizers for registered mini golfers from 4:30-5:15 pm. Shotgun Start will be at 5:15 pm. Limited spots are available and will be filled on a first come first serve registration basis. Awards will follow the round at approximately 6:30 pm, as it takes an 18 hole round of mini golf about 45-60 minutes. Awards, Prizes and tons of Fun are in store!

All proceeds will benefit two wonderful charities:
– Child Watch Counseling and Advocacy Center, Inc.
– Western Kentucky Heart Walk

Registration Info:
– Featured Foursome – $175
– Foursome – $100
– Hole Sponsor – $100

Don’t have a team and still want to play?

After the tournament has concluded, the mini golf course will be opened up to the public. Everyone is welcome to come out and enjoy 18 holes of mini golf from 6:30-9:30pm. All proceeds from open play will also go to our charities.

Download the Event Information here.

Download the Registration Form here.

Join our Paducah Mini Golf Open Facebook Event Page to stay up to date with all the latest happenings about the bank here.

Electronics Recycling Event at FNB Bank on May 4, 2019

Electronics Recycling Event at FNB’s Cadiz Main Office

Written by Brooke Wiles on August 8, 2019. Posted in Happenings.

FNB Bank is proud to offer our community the opportunity to responsibly recycle obsolete electronics for FREE* on Saturday, September 7 from 9:00 AM to 12:00 PM. The event will take place at FNB Bank’s Cadiz Main Office located at 2558 Main Street in Cadiz.

All materials, recycled or shredded, will be disposed of in a safe and environmentally-responsible manner by OK E-Scrap LLC. Come enjoy a day of Fall Cleaning, FNB Giveaways and a Live Remote by WKDZ Radio. Stay up to date with our event on our Electronic Recycling Facebook Event Page.

FREE Acceptable E-Waste

Computers, Servers, Hard Drives, iPads/Tablets, Kindles, Electronic Book Readers, Flat Screen Monitors/TVS, Laptops, All Circuit Boards, DVD Players, VCRs, Modems, Cable Boxes, Satellite Recievers, Routers, Cell/Mobile Phones, Telephone Systems and Hardware, Insulated Cable and Wire, Video Games/X-Boxes, USB Cords and Batteries.

Unacceptable E-Waste

CRT Monitors, Console TVs, Projection TVs, Paint or Varnish, Glass Bulbs, Household Batteries (Ni-Cd, Alkaline, Lithium Primary)

*Certificates of Destruction are available upon request for $5/each.

FNB's new Murray-Calloway County Office is coming soon

FNB Announces New Murray-Calloway County Office Coming Soon

Written by Brooke Wiles on July 1, 2019. Posted in Headlines.

FNB Bank is proud to announce the addition of a second branch in Murray-Calloway County. FNB’s new banking facility will be located at 611 South 12^th Street and will add an extra level of convenience for customers on the opposite side of town from our existing Murray Office, located at 1445 Lowes Drive.

“We are excited about our southside office in Murray for many reasons,” stated Marty Nichols, FNB President & CEO. “We are not only adding an extra location and convenience for our customers; we are revitalizing an existing building that was vacant in Murray’s South Business District.”

Murray’s South Business District has undergone many structural updates as of late that is giving new life and charm to the area. “The area is filled with great local businesses that have a lot to offer the community,” added Nichols. “We are glad to be a part of that revitalization movement and are proud to make an investment in Murray’s southside.”

The new banking facility will be FNB’s first concept branch. “Our new office will feature a modern look and our ‘Start Something Today’ brand will be the focal theme utilized throughout the office,” stated Sally Hopkins, FNB COO. The new office will offer new modern banking amenities, such as a self-serve kiosk and image deposit-taking ATM. All the while, the new office will still offer traditional banking services and delivery channels to appeal to all customers bases.

The grand opening of FNB’s new Murray South office is projected to open late summer. A ribbon cutting and grand opening event will be announced as construction plans are finalized.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. The bank currently has eight locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah, Murray, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

NB presents $13,750 grant to benefit Murray-Calloway County Habitat Family

FNB PRESENTS $13,750 GRANT TO BENEFIT HABITAT FAMILY

Written by Brooke Wiles on May 24, 2019. Posted in Headlines.

May 21, 2019 (Mayfield, KY) FNB Bank proudly presented a $13,750 grant to the Murray-Calloway County Habitat for Humanity’s 15^th family, which will be paid in installments over five years. The grant was awarded through the Affordable Housing Program by the Federal Home Loan Bank of Cincinnati (FHLB Cincinnati) and was made possible by FNB’s sponsorship.

The grant was a joint effort for both FNB and the Murray Calloway County Habitat for Humanity. Carolyn Todd, FNB Office Manager and President of the Murray Calloway County Habitat for Humanity saw the opportunity for the partnership in 2017. “We (Habitat board members) attended a training session sponsored by Habitat of Kentucky in the Fall of 2017. A Federal Home Loan Bank representative spoke at the event about the grant opportunities available through bank partnerships. For me, it was a natural fit. This was Habitat’s first attempt at a grant since 2000 and we were excited about the opportunity.”

FHLB sets aside 10 percent of net earnings annually to be used as subsidies to finance development of affordable housing, with those funds made available only through financial institutions that are members of FHLB. At that point, FNB saw an opportunity and gladly took on the sponsorship role, being a member of the FHLB.

“FNB is proud to partner with FHLB and Habitat for Humanity to assist in providing this family an affordable home that will meet the family need. A permanent home for a family can be life changing. We were honored to assist with this project and hope to partner again with Habitat for Humanity to sponsor a grant when available,” stated FNB Chief Operating Officer, Sally Hopkins.

The grant money was put towards the construction of an energy efficient home and was specifically designed for a moderate-income first-time home buyer family with special circumstances. The original funding announcement presentation took place on February 8, 2017, with funding subject to construction completion as specified within the grant.

Construction on the 3-bedroom, 2 bath home began in May 2017 and the family moved in on August 2018. Lead contractor, Steve Arant, worked with several area contractors throughout the construction phase. Many area churches, along with the local contractors, were instrumental in donating their time and skills for the project.

GCMS students posing with FNB Spirit Debit Card Check

FNB Donates over $18,000 Back to Local Schools through Spirit Debit Card Program

Written by Brooke Wiles on May 9, 2019. Posted in Headlines.

May 9, 2019 (Mayfield, KY) FNB Bank is proud to announce that they have donated over $18,000 back to Mayfield, Graves County and Trigg County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 1st quarter 2019 Spirit Debit Card Reward Program.

“We are proud to offer our exclusive FNB Spirit Debit Card Program to our local schools,” stated Brooke Wiles, FNB Marketing Director. “Our customers have pride in knowing that they are making a difference in the lives of our youth by simply swiping their Spirit Debit Cards at the checkout. The donated funds allow the school systems the opportunity to do more for their students and staff, which is an invaluable asset to our community.”

The FNB Spirit Debit Card Rewards Program allows FNB and their customers the opportunity to give back to their local schools when they use their FNB debit card. FNB currently offers Spirit Debit Cards for Mayfield, Graves County and Trigg County Schools. The Spirit Card works like a traditional debit card and for each signature-based transaction (not using your PIN), FNB donates $0.10 to the corresponding school. The tracking process is hassle free for the card holder, as FNB does all the tracking and submits the check to each school on a quarterly basis. The donated funds are utilized at the school’s discretion.

In 2018, FNB donated over $66,000 to their participating schools through the Spirit Debit Card Program. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit www.GrowWithFNB.com.

FNB Donates Over $66,000 Back to Local Schools through Spirit Debit Card Program

Written by Brooke Wiles on February 7, 2019. Posted in Headlines.

January 2, 2019 (Mayfield, KY) FNB Bank is proud to announce that they have donated over $66,000 back to Mayfield, Graves County and Trigg County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 2018 Spirit Debit Card Reward Program.

The FNB Spirit Debit Card Rewards Program allows FNB and their customers the opportunity to give back to their local schools when they use their FNB debit card. FNB currently offers Spirit Debit Cards for Mayfield, Graves County and Trigg County Schools. The Spirit Card works like a traditional debit card and for each signature based transaction (not using your PIN), FNB donates $0.10 to the corresponding school. The tracking process is hassle free for the card holder, as FNB does all the tracking and submits the check to each school on a quarterly basis. The donated funds are utilized at the school’s discretion.

In 2017, FNB donated over $55,000 to their participating schools through the Spirit Debit Card Program. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit www.GrowWithFNB.com.

FNB makes $4,000 donation to the Feeding America Program

FNB Makes $4,000 Donation to Mayfield-Graves CASA and Feeding America

Written by Brooke Wiles on January 31, 2019. Posted in Headlines.

January 31, 2019 (Mayfield, KY) FNB proudly donated $4,000 to two worthy community agencies as a result of FNB’s 2018 philanthropic fundraising efforts in Graves County. Both the Mayfield-Graves County Child Advocacy (CASA) Program and the Feeding America Backpack Program for Mayfield and Graves County Schools received $2,000 donations to assist with their daily missions of serving the community.

“Giving back to our local community is something we do every day at FNB,” stated Brooke Wiles, FNB Marketing Director. “We coordinate numerous fundraisers throughout the year to support our selected charities. This year we split our fundraising dollars in effort to assist two worthy programs that make a positive impact in the lives of children in our community.”

Throughout 2018, FNB employees coordinated and participated in numerous fundraising events benefiting the Mayfield-Graves CASA and Feeding America Backpack Programs. Various fundraising efforts included a Mayfield Creek Market box lunch fundraiser, a cookout, GCHS student car wash and concession sales during the Graves County and Mayfield Battle of the Birds football game. Employees also participated in various jean days throughout the year to benefit the worthy causes.

Graves County’s CASA Program ensures that every child in Graves County has the opportunity to grow up in a safe environment by providing child abuse prevention programs and advocates for abused and neglected children in the court system. Graves County CASA operated with 19 volunteer advocates and advocated for a total of 97 children in the 2018 calendar year.

The Purchase Area Development District (PADD) serves as the region’s food bank supporting a network of organizations that distribute food and non-food products to underprivileged individuals and families. One of the most successful efforts in the fight against hunger is the PADD’s partnership with Feeding America, Kentucky’s Heartland linking their Backpack Program to school districts in our region. It provides children with nutritious, easy-to-prepare foods to eat on weekends when school food isn’t available. Teachers and family resource coordinators identify children in need, and a bag of easy-to- prepare food items is placed discreetly in the child’s backpack at the end of each week. Currently, the Feeding America Backpack program serves 157 children in 10 schools within Mayfield and Graves County.

To learn more about Graves County’s CASA Program, please contact Stephanie Floyd, Executive Director at (270) 251-2060 or by e-mail at childadv1@calldialog.net. To learn more about the Feeding America Backpack Program, please contact the PADD Office at 270-251-6187. FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. The bank currently has eight locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah, Murray, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

CALL THE MAIN OFFICE:

270-247-1758

Author: Brooke Wiles

Where To Get Financial Help During The COVID-19 Crisis

4 Steps to Spending Your Stimulus Check Wisely When You Don’t Have An Emergency Fund

FNB Paducah Mini Golf Open

Electronics Recycling Event at FNB’s Cadiz Main Office

FREE Acceptable E-Waste

Unacceptable E-Waste

FNB Announces New Murray-Calloway County Office Coming Soon

FNB PRESENTS $13,750 GRANT TO BENEFIT HABITAT FAMILY

FNB Donates over $18,000 Back to Local Schools through Spirit Debit Card Program

FNB Donates Over $66,000 Back to Local Schools through Spirit Debit Card Program

FNB Makes $4,000 Donation to Mayfield-Graves CASA and Feeding America

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Author: Brooke Wiles

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