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Savings Tips for Recent Graduates

It is that time of year again, when many young adults are graduating from college and facing decisions concerning money and finances. How much will I earn? How much student loan debt did I incur? Should I rent or buy a home? Or should I live at home? There is a surplus of questions, but often a shortage of thought given to savings. The expectation of most graduates is to secure a job that will provide an income that can meet all their wants and needs. But that often isn’t the case right out of school.

Seven Steps to Prevent Identity Theft

One of the most important things to protect is your personally identifiable information. Here are a few tips to help ensure that you are remaining vigilant and protecting yourself.

Use complex passwords – Avoid passwords containing personally identifiable information or simple words that can be easily replicated by fraudsters. Instead, utilize complex passwords or phrases that include letters, numbers and symbols. In addition, utilize a different complex password for each account to improve your protection and minimize the ability to compromise multiple accounts.
• Utilize payment methods that are protected…

Tips to Help Seniors Protect Their Finances

Fraud attempts targeting senior citizens are on the rise. Beyond protecting their physical wellbeing, older Americans need to stay financially secure. Here are some things to consider:

  • Understand and know common fraud scams – We’re seeing a higher number of fraudulent scams a lot of which have been aimed at seniors. Take a moment to familiarize yourself with some of the most prevalent scams. Scammers may:
    • Pretend to be an organization asking for a donation or money.
    • Call to say you have won a prize and they need your bank account information to give you your…

Four Reasons You Should Use Digital Banking

Prior to the coronavirus pandemic, digital banking both online and via mobile app was a popular way to bank. Today, conducting your banking remotely without having to visit a physical location has become essential. Here are the top four reasons to use mobile banking:

Convenience: Account access is 24/7. You can check on the balances in your accounts, deposit checks, make payments, transfer funds, and track your spending. There are also tools to locate ATM and bank locations. More importantly, you can conduct your banking on your schedule and from the comfort of wherever you like.

Security: Mobile banking allows…

‘Tis the Season – Beware of These Scams

Univest, as with most financial institutions, has seen a significant increase in fraud attempts. This is especially true during the holiday season with even more people online shopping. Based on cases Univest has investigated and reports from our customers, a common theme has evolved – fraudulent emails, phone calls and texts have increased dramatically.

In some instances, customers have been duped into providing their personal credentials leading to their accounts being compromised. The result was fraudulent mobile deposits, electronic payments, and transfers against those deposits. In other cases, our customers were scammed into providing information to take advantage of a…

5 Tips to Wisely Manage Credit

Having a respectable credit score is key to many financial decisions that affect your overall purchasing power. Here are five tips to help you wisely manage your credit.

Create and stick to a budget.
Credit card debt is no joke. Avoid this easy to make mistake by setting and knowing your own financial boundaries. To begin, track all your spending for one month. This is a great way to understand your spending habits which will allow you to create a personalized budget. Try creating a weekly and monthly budget to find what works best for you. Then the key is sticking…

Saving for all of Life’s Joys

Today, more than ever, people are re-evaluating what brings them joy. The pandemic has led many people to rethink their work schedules, childcare arrangements and the need to take time to appreciate the little things. For some of life’s joys, it can be helpful to do some planning. Whether it’s going to college, buying a home, taking a vacation or even throwing a great birthday or anniversary party, you can enhance these joyful life events by planning ahead.

Buying your First Home
What an exciting time! Buying a house can be intimidating as it’s one of the biggest investments you…

Don’t Become a Victim of Fraud

Have you ever been scammed or been a victim of fraud? According to a recent study, approximately 39 million Americans were victims last year. There are many different types of fraud such as account fraud, wire fraud, ACH fraud, ATM fraud, email fraud, mail fraud, phishing and vishing scams. In a lot of cases, it’s impossible to know who the fraudsters are or where they are located. It is imperative that you take precautions to safeguard yourself. Here are some tips to help ensure that you are better protected and better equipped to mitigate your risks.

Five Easy Ways to Protect and Manage Your Money

In today’s world of busy schedules packed with meetings and sports practices, taking time to consider the security of our financial information tends to fall to the bottom of our to-do list. That doesn’t have to be the case. With Univest’s digital banking tools, it’s never been easier to ensure your financial information is secure when making purchases and/or traveling.

Here are five easy ways to manage your money:

  • Utilize a mobile wallet for purchases – This is an easy-to-use, fast and more secure way to pay. Simply link your Univest debit or credit cards to make mobile payments via…

Preventing Elder Fraud with 4 Easy Tips

Too often, seniors are mistreated and taken advantage of as the target of fraud. It’s important for our communities to come together to acknowledge, support, and advocate for senior citizens. Beyond protecting their physical wellbeing, senior citizens need to stay financially secure. Here are four easy tips to prevent elder fraud:

  1. Understand and know common fraud scams. Scammers are likely to:
    • Pretend to be an organization asking for a donation or money.
    • Call to say you have won a prize and they need your bank account information to give you your winnings.
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