| Consumer Information |
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Welcome to our Consumer Information page. On this page you will find information from Credit Cards to protecting yourself from Identity Theft. We hope that you find this information helpful. If there is something you would like to see added to this page, please contact us online or by calling us at 602.258.1200.
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| Bank Customers |
| Want help with a question or concern about a National Bank? Get Answers & Solutions from the Comptroller of the Currency. |
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| CHARM: Customer Handbook on Adjustable Rate Mortgage |
| Adjustable-rate mortgages (ARMs) are loans with interest rates that change. ARMs may start with lower monthly payments than fixed-rate mortgages. |
| Click here to connect to the Federal Reserve's CHARM Section - Now available in both English and Spanish. |
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| Consumer Guide to Credit Cards |
| Credit cards are a valuable and convenient payment tool. They allow you to make purchases 24/7, around town, around the world, or from the comfort of your home. They are also very useful for unexpected expenses or emergencies. However, it is important to use credit cards wisely. This Guide will help you understand how credit cards work and the terms and conditions that typically apply to them. |
| Click here to view/print the ABA Consumer Guide to Credit Cards |
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| FDIC: Federal Deposit Insurance Corporation - NEW! |
Wondering about Deposit Insurance and what that means for you?
View the FDIC Summary here | View the FDIC's FAQs here! |
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| Flood Control - Pima County, AZ |
| The Pima County Regional Flood Control District (District) provides a number of services to the community that supply potential property owners, real estate agents, insurance agents, and lending institutions with information on flood and erosion hazards for property located within flood prone areas of unincorporated Pima County and the Town of Sahuarita |
| For more information, please click here. |
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| Identity Theft |
| ID theft is a crime. If you become a victim, take the following steps: |
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Contact your local law enforcement agency and file a police report. |
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Notify all three credit bureaus and ask them to “flag” your accounts, which tells creditors you are the victim of identity fraud. |
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Trans Union: 800-680-7289 |
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Equifax: 800-525-6285 |
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Experian: 888-397-3742 | |
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Notify your banks and other financial service providers. |
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Call the Federal Trade Commission’s ID Theft Hotline (1-877-IDTHEFT) or visit www.consumer.gov/idtheft. | |
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| Mortgage |
| If you are having difficulty making your mortgage payment, you are not alone and there are things you can do to avoid foreclosure or becoming a victim of mortgage fraud. |
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Contact your Lender - they want to help you! |
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Call 1-877-448-1211, the Arizona Foreclosure Help Line, created by Governor Napolitano |
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Call 1-888-995-HOPE the national homeowner hotline or visit www.995hope.org |
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Contact a HUD approved Housing Counseling Agency | |
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| Other Helpful Links |
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