Protect Your Bank Account From Being Hacked

Most people worry about their financial information online, but the simple truth is that most banks are extremely secure; hacking and cyber crime opportunities typically come from the consumer side or retailers. We can’t do much about store security, but small things we do (or forget to do) with our own electronics can make us…

Mobile Banking

Mobile Banking has been declared the “future of banking” more than once over the past few years.  Frequent appreciation of mobile banking’s potential to make personal finance more convenient has accompanied its evolution from initial text-based banking services to the sleek apps that exist today.   A study conducted by Pew Research Center found that 51%…

Commercial Loans

As we approach year-end, many business owners have begun thinking about their business plans for the upcoming year. For many businesses, those plans may include expanding its operations; purchasing or leasing new or expanded facilities; adding a new line of products or services; taking on new or expanded contracts; or replacing equipment that has become…

SBA Lending

With all of the uncertainty around maintaining a predictable flow of capital to businesses, a commercial loan provided by a bank but guaranteed by the federal government almost sounds too good to be true. Standing behind such loans is one of the responsibilities of the U.S. Small Business Administration’s (SBA) Guaranteed Loans Program. Utilizing an…

How to Obtain a Business Loan

Louis Pasteur, the famed scientist, once said, “Fortune favors the prepared mind.” While you may not be creating a vaccine for rabies and anthrax, as Pasteur did, his words are sound advice, in whatever your goals may be. Especially, when it comes to running a business and pursuing things that can help make a business…

Cyber Safety Newsletter

In times of internet hackers and superior technological advances toward identity theft, it leaves many people wondering, is my information safe from fraud? AND How can I protect myself? At HCB, we go to great lengths to protect your money and identity. We believe educating our customers is a small part of the process. In…

Spending Solutions – Do You Have What It Takes?

We receive frequent reminders that our economy is still not where we would like it to be.  It maybe the soft labor market or perhaps the latest consumer confidence survey.  Traditionally, increased spending by consumers and businesses are a reflection of growing confidence, which can serve to improve our weakened economy.  Either way, most people…

Business Loans and Business Accounts

Its mid-year and we still receive frequent reminders that our economy is still not where we would like it to be. It maybe the soft labor market, or perhaps the latest consumer confidence survey. Either way, most people would agree that general economic conditions are still soft. That’s why it is important to review all…