phone icon  866-985-0616

顾客服务中心 :

Print the Page Content

FDIC Consumer News Spring 2015 Edition is available

Date: June 15, 2015

The FDIC published Spring 2015 Consumer News "Teaching Young People About Money" is currently available. Visit our branches and pick up a copy today.

Parents and caregivers don't have to be financial experts to teach young people to be responsible with money. The latest FDIC Consumer News features tips to help children from pre-kindergarten through college learn how to be smart about their finances. The Spring 2015 edition also includes a checklist of computer security tips for bank customers, an article about changes in credit reporting that could help some consumers improve their credit scores, and information about a new tax-advantaged savings option for families with a child with disabilities. Here's an overview of what is in this issue.

Teaching Young People About Money: The newsletter starts with universal tips for teaching financial life lessons to children. For example, parents can discuss with their children what they are doing, and why, when making everyday financial decisions. Adults also should consider talking about why some "special offers" may not be good deals, or why to use a credit card to pay for some purchases and a debit card, cash or a check for others. Tips are tailored to different grade ranges: Pre-K-2, 3-5, 6-8 and 9-12, as well as college students. There's also a list of financial education resources for parents and caregivers. These include parent guides in English and Spanish for Money Smart for Young People, a new financial education tool from the FDIC developed in partnership with the Consumer Financial Protection Bureau.

Computer Security Tips for Bank Customers: Consumers need to know how to protect and maintain their computer systems so they can steer clear of financial fraud. The newsletter includes suggestions for where and how to safely connect to the Internet and precautions to take when going on social networking sites, such as not divulging mom's maiden name or a favorite pet's name because those details can help a crook figure out and reset passwords.

Changes That Could Help Boost Credit Scores: A consumer's credit score, which is based on information in his or her credit report, may be used to determine loan approvals, the cost of insurance, or the ability to get a new job. The article notes that scores may be improving as a result of changes in credit scoring practices. In one development, as part of an agreement in March 2015 with the New York Attorney General's Office, the nation's major credit bureaus said that medical debts will not appear on credit reports until they are at least 180 days past due.

A New Way to Save for Children With Disabilities: Under the Achieving a Better Life Experience Act (the ABLE Act), which was signed into law in December 2014, certain accounts for individuals with special needs will grow tax-free if the money is used for qualified expenses, such as education, housing, transportation and health care not covered by insurance. To be eligible, the beneficiary can be any age, but the disabilities must have been documented before age 26. The article includes information on how deposits in an ABLE account will be covered by federal deposit insurance.

The goal of FDIC Consumer News is to deliver timely, reliable and innovative tips and information about financial matters, free of charge. The Spring 2015 edition can be read or printed at Check back there for coming versions of this issue for e-readers and portable audio (MP3) players. To find current and past issues, visit or request paper copies by contacting the FDIC's Public Information Center toll-free at 1-877-275-3342, by e-mailing , or by writing to the FDIC Public Information Center, 3501 North Fairfax Drive, Room E-1002, Arlington, VA 22226.

« Back


联络我们 |  隐私权声明 |  网路银行合约书 |  网站隐私权保护政策 |  就业机会 网路导览 

FDIC EHL logos © Copyright 2017 EverTrust Bank. All Rights Reserved. 

You are leaving EverTrust Bank

By clicking Continue, you will be taken to a website that is not affiliated with EverTrust Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of EverTrust Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of EverTrust Bank.


Unsecure Email Disclosure

NOTICE: This information is not encrypted. Please do not include any private, personal information, such as account numbers, balance information, or social security numbers in your message to us. If you need to provide this type of information, please contact us directly at the phone numbers listed, or send an e-mail and ask that our representative contact you. Or, if you are an Online Banking customer, you may send a secure message by logging into your Online Banking account.






当透过此网站向我们发出任何电子邮件时, 请不要包含敏感资料,例如账户号码或非公开的个人资料如社会安全或报税识别号码。如您是华信网路银行用户,请登入然后使用安全信息功能与我们联络。



您現在將進入一個非我們管理的網站。華信銀行不能保證其他網站所提供的資料及建議是否正確,華信銀行亦不會對其他網站的資料保密及安全性負責。 我們建議您先了解此網站的資料保密政策。



當透過此網站向我們發出任何電子郵件時, 請不要包含敏感資料,例如賬戶號碼或非公開的個人資料如社會安全或報稅識別號碼。如您是華信網路銀行用戶,請登入然後使用安全信息功能與我們聯絡。