Cross Keys Bank Summer 2013 Newsletter

Dear Geek Girl: Introducing Our NewTechnology Advice Column By Kristen S. VandeVen

check into the deposit slot on the special ATMmachines. Up to thirty checks can be insertedat one time,making this especially useful for businesses. This makes banking available on your schedule, adding to the conveniences CKB provides. Is it as secure as making my deposit at the actual bank? Yes it is very safe. In fact, if you choose the option, you can print a copy of the check you deposited directly on your receipt. How quickly will I have access to my funds? The ATM posts deposits on the same schedule as our branches. If your deposit is made before 4:00 PM, then you will have credit that same business day. If there is a line at the drive up, just head over to the ATM to make your deposit. There’s no need for a deposit slip! Dear Geek Girl, I bought my kid an iPod Touch for her birthday. 6 year old. How can I lock it down? -- Protective Parent Dear Protective Parent, In this day and age of being constantly connected, we sometimes forget that means that our children are also constantly connected. We all need to be very diligent in howmuch access we allow our children. These innocent appearing devices (iPod Touch, Kindle, Kindle Fire, iPad, Android Tablet) are fully functional computers that allow full access to the Internet, email and YouTube. You, as a parent, can be very proactive by adjusting some of the settings on a device before handing it over to your child. Apple gives you some great controls to lock down a device. Enabling Parental Restrictions allows you to block Safari (the built in Internet Browser), FaceTime, Installing Apps, In-App Purchases (has your child made a large purchase during a game without your knowledge), and content based onRatings. This is one of the most valuable areas for a parent. You can toggle different levels of access depending on the child’s age and maturity. This area requires an additional password, don’t use one your children can figure out. There are apps that will allow your child to safely browse the Internet from their

device. Mobicip (www.mobicip.com) makes a great safe browser that can be installed on almost any device. You can set the level of access depending on age and even have weekly activity reports sent to your email address. None of these tips and apps replace the need to educate our children on the proper use of technology and the dangers that exist. For more information please visit www.netsmartz.org. Dear Geek Girl, I am taking my family on vacation this summer.What steps should I takebefore we hit the road? --World Traveler DearWorld Traveler, First thing you should do is make sure the Bank has your most up to date contact information-mailing address, cell phone, and email. Also, you will want to let the Bank know your itinerary and dates of travel. The daily limit on your card is $1000.00 for point of sale and $300.00 for ATM withdrawal. If needed, these limits can be increased during travel-time, just let us know! Many businesses require that you enter in your zip code upon making a purchase. If the zip doesn’t match what the bank has on file, your transaction will be denied! Our fraud detection system uses complex computer programs to monitor your account. If the computer detects a transaction that seems suspicious, you may receive an automated phone call fromour Falcon Fraud System. The system will ask that you verify the transaction(s). Don’t hang up the phone! Listen to the automated message and verify the transaction(s). If the system cannot verify the transaction(s), your debit card may be temporarily blocked until the bank is able to contact you. Online banking and mobile banking allow you to monitor your accounts in real-time. Please send a secure message through your internet banking, or call 888-766- 3246, should you see anything out of the ordinary. Most of all, enjoy your trip knowing you have dotted all the i’s and ‘Cross Keys Bank’ed’ all the T’s! ~9~

In our technology-driven world, it is important to keep pace and embrace the inevitable changes. Even the most high- tech person can become overwhelmed by the rapid evolution of technology. A couple of issues back we introduced you to our own “geek girl” Kristen VandeVen. Kristen isnot onlya self-proclaimedgeek- girl, she’s also a loyal 13-year employee of Cross Keys Bank. Kristen is located at the main office in St. Joseph where she serves as the eBanking officer, mobile- banking expert and on-staff technology guru. We created this column to provide helpful and practical advice on how to use technology in your everyday life. Kristen will cover topics like: how to navigate your iPad, safely manage your finances online, tips for using your debit card on the internet and she’ll even simplify the perplexing process of how to select a laptop for your child. If you’ve got a troublesome tech question you want answered, please send a note to deargeekgirl@ckbonline.com. Dear Geek Girl, I am not a very tech-savvy person but am interested in depositing my check at the ATM, is it difficult? -- Tech-Savvy Wannabe Dear Tech-SavvyWannabe, No need to be intimidated by the technology of depositing your checks at the ATM. It is a simple process that takes less time than the drive-thru. This service is available for consumer and business accounts. We currently have 4 ATMs that accept deposits: Newellton, Tallulah, Rayville andWest Monroe. Youwill need a CKB debit card linked to the account into which you wish to make the deposit. To make an ATMcheck deposit, just insert the