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Financial Education

Fraud Alert: IRS Scam

January 20, 2016 | Return to the CNB Homepage

By Jason Hanson, Network and Web Service Administrator There is a common scam that happens every year around tax preparation time. Scammers pose as representatives of the Internal Revenue Service (IRS) over the phone or in an email. The goal of this scam is to frighten you out of your... » Read more

Do I need a Business Plan?

December 18, 2015 | Return to the CNB Homepage

By Eric Potes, Assistant Vice President - Commercial Loans The question I hear the most from business applicants is, “Do I need a business plan to apply for a loan?”  An article in Bloomberg has often been cited saying 8/10 businesses fail within 18 months.  Those figures seem... » Read more

Be Wise About Credit Cards

November 18, 2015 | Return to the CNB Homepage

By Linda Cavasin, Branch Officer - Spring Arbor Today the vast majority of merchants and retailers accept credit cards.  There are very few things you ever need to buy that cannot be paid for with a credit card.   But the convenience has a downside.  Credit cards... » Read more

Anatomy of a Credit Score

October 14, 2015 | Return to the CNB Homepage

By Jeff Jackson, Consumer Loan Officer When using credit, whether it is a loan or a credit card, you are borrowing money that you promise to pay back within a specified period of time or under specified terms.  A credit score is one method that lenders use to determine... » Read more

EMV Chip Technology: Dip, Hover or Wave

September 16, 2015 | Return to the CNB Homepage

By Amber Kohler, Banking Operations Officer A change is upon us; the swipe is giving way to the dip, the hover or the wave. On October 1st, 2015 a nearly unnoticeable line will have been crossed for payment acceptance in the U.S. A mandate from Visa, MasterCard, American Express and... » Read more

How Much House Can You Afford?

August 19, 2015 | Return to the CNB Homepage

  Ready to buy a home? How much can you afford? Determining how much “home you can afford” depends on several important factors including: Your annual gross income. You can get a very rough estimate of the affordable home price range by multiplying you annual gross income by 2.5.... » Read more

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