Contactless banking with OVB e-Services

E-Services 3

As the COVID-19 pandemic continues to sweep the nation, we are finding ourselves more reliant on technology than ever before. From distance learning in schools to remote work environments, technology is making it possible to navigate our “new normal.” Many have also moved to safe and easy contactless banking through OVB NetTeller, OVB Line Telephone Banking, OVB Text Message Banking, and the OVB Mobile App.

“Our e-Services line of products offer numerous benefits,” Andrew Bush, OVB online banking manager, said. “First and foremost, among them is time and convenience. When you can pay your bills with our Online Bill Pay service, send money to a friend, see your balances, transactions and more all without needing to make a trip to your local branch, it frees you to do the things that matter most to you.”

Bush also described OVB’s e-Services products as an asset for dealing with the “new normal” that COVID-19 has created.

“Along with the time and convenience, I’d be remiss to not point out the peace of mind these products can provide. As the COVD-19 pandemic continues to wreak havoc on our daily lives, the ability to perform contactless banking is a huge relief to many,” he said.

Do you have older relatives who are less technology savvy, but unable to visit their branch due to being in a high-risk category for the virus? If so, you are not alone. According to Bush, ensuring that all of the bank’s e-Services products are user-friendly is the primary focus.

“One great thing about our e-Services platform is its ability to adapt to each user’s individual needs and habits. If they prefer to use a tablet or smartphone our OVB Mobile Banking app is available on both Android and iOS. Does your relative like using their desktop or laptop computer? No problem. They can log into NetTeller via our website, no app necessary,” Bush said. “What if your relative doesn’t like using computers at all? I’d invite them to use Text Message Banking, as well as our OVB Line service, which was recently upgraded to include new features.”

If you are not familiar with OVB’s e-Services options available, we are here to help! Perhaps you never gave them much thought before the pandemic or maybe you need a refresher? Below are the different e-Service options available at OVB:

  • Mobile Deposit – OVB Mobile Deposit has grown in popularity over the years and has become an especially helpful product during the pandemic. It is the fastest way to deposit funds safely. Deposits made before 5 p.m. eastern are processed on the same business day with funds available after nightly processing. To use this product, you must have either an Android or iPhone with the most current version of the OVB Mobile Banking app installed. Mobile Deposit is available for use on Android and Apple tablets with cameras as well. For more information, check out our Mobile Deposit FAQ.
  • Text Message Banking– Along with Mobile Deposit, additional Mobile Banking technology is a great asset to meet your banking needs. OVB’s Text Message Banking is a quick way to get your bank balance or recent history. To activate Text Message Banking, simply go to www.ovbc.com on a desktop or laptop computer. Sign in to NetTeller with your credentials and click on the Text Banking tab. From there you simply complete and submit the form. Once you confirm the information provided, you will receive a text confirming activation. Voila! Now you can comfortably bank via text.
  • OVB Line Telephone Banking – Would you rather not rely on your computer when it comes to banking? No problem. Check out OVB’s Line Telephone Banking at 888-FONE-OVB (that’s 88-366-3682). This service is available 24/7 to serve your basic banking needs, including getting your balance; listening to transaction history; deactivating your OVB debit card; reporting your lost or stolen card; transferring money between accounts; and making loan payments from your OVB account. OVB Line Telephone Banking was recently upgraded last month and now includes features such as voice recognition. You can also now activate your OVB debit card. More Info.
  • Benjamin Tracker – Looking for some budgeting help made easy? Check out OVB’s Benjamin Tracker. With the pandemic many folks have had to rework their budgets and this product is the perfect tool to help you stay on track. Benjamin Tracker enables users to manage their money, monitor spending, set goals, and actually see where their money goes. This free product is available through both NetTeller and the OVB App.
  • NetTeller – We have already mentioned NetTeller many times in this post as it is such a great tool to manage your banking from the comfort of home and when you are on the go. Through NetTeller you can easily check balances, make transfers, research transactions, and download all your financial information in the privacy of your home. Applying for NetTeller is a simple process, click here to get started.
  • Bill Pay – Looking for ways to make paying your bills quicker and easier? Simplify your process with Bill Pay. To get started, just click on the Bill Pay tab in NetTeller. From there you will be able to start paying your bills immediately. Bill Pay is free. A nominal fee applies for special services, such as FedEx rushed payments and stylized special occasion gift checks.

One of the best ways to keep up with OVB banking news and rates is by subscribing to Rate Watchers, which is a weekly newsletter. As the pandemic continues to bring many changes, Rate Watchers is a great way to keep up on your community bank’s updates. Also, don’t forget to stop by the bank’s COVID-19 update page for the latest banking-related pandemic news.

For more information on OVB’s e-Services options and to view tutorial videos on how to use the products, visit www.ovbc.com and click on the e-Services tab.

 

Keep up with COVID-19 scams

COVID Scams 2This year has been challenging on many levels due to the COVID-19 virus. Along with health and economic concerns that come with a pandemic, scams are on the rise as well.

When the virus essentially changed life as we know it this past March, many COVID-19 scams jumped on the scene. Unfortunately, as tax season is approaching its end and as the virus continues to linger, more COVID-19 scams are popping up. While fraud is scary, being aware of existing scams will help you stay protected.

According to Chris Brown, Ohio Valley Bank BSA and fraud specialist, current COVID-19 scams to watch for include the following: text message scams, robocall insurance deal scams, phishing email scams, and online links that advertise items related to the virus. Brown said that the U.S. Secret Service is also aware of unemployment scams concerning the pandemic.

“During pandemics and disasters scammers see people who are vulnerable. They will use any platform they can to obtain your financial and personal information. If the link, text, phone call or email sounds or looks fishy, odds are it is,” Brown said. “If you have any concerns about something you feel is a scam, please reach out to your local bank. We are equipped to help you determine if something is legitimate or not.”

As tax season approaches its final hurdle, the Internal Revenue Service (IRS) has warned taxpayers about the possibility of fraud and other financial scams associated with COVID-19. According to the IRS, criminals often use every opportunity to exploit bad situations, which includes the pandemic. For example, criminals have continued to take advantage of the COVID-19 Economic Impact Payments by using them as a way to steal money and personal identifying information.

Text message scams along with robocalls are also on the rise as the pandemic continues. The calls and texts typically claim to come from government organizations; banks; or even a family member in distress. Unfortunately, robocalls are harder to detect now as the caller’s ID can be adjusted to look as if it comes from your local area code. According to the U.S. Department of Treasury, some folks may receive calls, emails, or other communications claiming to be from the Treasury Department, which offer COVID-19 related grants or stimulus payments in exchange for personal financial information. The Treasury Department said all such communications are scams, and if you receive something similar to contact the FBI immediately at www.ic3.gov. The Federal Trade Commission also encourages people to hang up immediately should they receive a robocall.

“Romance Scams” relating to COVID-19 have also come about recently. Due to many folks quarantining themselves at home due to pandemic precautions, increased internet usage has been a result. According to www.CybercrimeSupport.org, cybercriminals are working to capitalize on high internet volume by luring people into romance scams – essentially preying on the sense of isolation folks may feel during this time of seclusion. Be mindful of any online communication where a stranger asks for money. To read more about romance scams and how to recover should you be a victim, visit this resource page.

As people are using social media even more now to communicate due to the many restrictions the virus has imposed on gatherings, COVID-19 scams are popping up on those platforms as well. While social media scams in general have been around for quite some time, the pandemic has caused an increase. With social media, cybercriminals are using it as a tool to distribute false information to capitalize on panic. In addition, some people will receive messages from “friends” asking for money on social media, which in most cases is a hoax.

Another scam to watch for are ones that claim to come from delivery services, such as FedEx. This type of fraud is categorized as a phishing scam. With phishing scams, criminals send emails or design website links to mimic businesses. They attempt to get people to enter personal and financial information through these mock methods. Delivery scams, which typically present in the form of text or email, are on the rise as people are ordering online due to being at home more often. According to FedEx, examples of this scam include the following:

  • Unexpected requests for money in return for delivery of a package or other item, including personal and/or financial information, such as a Social Security number, bank account number, or other identification.
  • Links to misspelled or slightly altered websites. For example, the correct website for FedEx is www.fedex.com, but a scam might use fedx.com to fool people.
  • Alarming messages and requests for immediate action or claims that you have won a prize and must submit personal and/or financial information to obtain it.

As the pandemic is not going away anytime soon, many businesses have adapted to work-from-home policies for their employees. While working from home is a great way to maintain productivity and keep employees safe, there are some security risks associated with remote work. According to www.CyberCrimeSupport.org, companies, especially small businesses, should make sure their employees are trained to uphold cybersecurity policies at home. Employers also should continue to make their work-from-staff aware of all COVID-19 fraud and encourage them to not fall for phishing scams, especially while using company resources.

Other COVID-19 scams to continue to watch for include the following:

  • Individuals and Businesses selling fake cures for COVID-19 online or engaging in other forms of fraud.
  • Malicious websites and apps that appear to share virus-related information that gain and lock access to your devices until payment is received.
  • Fraudulent charities. Unfortunately, people will take advantage of others’ kindness during times of crisis. If you do not recognize a charity, research the organization first before making a donation.
  • Online offers that advertise COVID-19 vaccinations and home test kits. Currently, there are no vaccines and/or pills available to treat COVID-19 in stores or online. In addition, there are no FDA-authorized home test kits available.
  • Avoid situations where there is a sense of urgency to submit personal or financial information as this is a red flag for many scams.

Brown reiterated the importance of contacting your bank should you be a victim of a COVID-19 scam. He advised people to continue to ensure that their personal and financial information is protected.

“Do not share your account information with anyone. Do not allow yourself to be a third party to a money mule scam to accept unauthorized state benefits or payments for someone not an owner on your account,” Brown said.

Staying informed certainly is your best defense against potential scams. Fact check all information you encounter regarding COVID-19. Scammers and even your friends, who mean well, may share information about the virus that has not been verified. Visit www.cdc.gov and www.coronavirus.gov for valid COVID-19 information. For financial information, visit the Federal Trade Commission and Better Business Bureau . Should you need additional guidance regarding the virus itself, contact your primary care physician.

For more information on COVID-19 scams, check out this post, which details some of the original examples of fraud associated with the virus.  For OVB and banking information regarding the pandemic, visit our COVID-19 resource page.

Protect yourself from COVID-19 scams

The world continues to rapidly change as we learn more about the repercussions of the COVID-19 virus. Health and safety of our communities continues to be our top priority. Unfortunately, COVID-19 has also caused more cases of scam and fraud.

From phishing scams to fraudulent phone calls and fake charities, there are many ways criminals are working to get your personal and financial information. OVB BSA Officer Barb Patrick urges folks to be aware of all potential scams and to report any suspected fraud immediately.

“Report all fraud to the Federal Trade Commission (www.ftc.gov/complaint) and your local bank,” she said.

If you believe you are a victim of fraud involving COVID-19, additional outlets to report to include the National Center for Disaster Fraud Hotline at 866-720-5721 or via email at disaster@leo.gov. Cyber scam complaints may also be submitted through http://www.ic3.gov/default.aspx.

According to Patrick, people should be particularly aware of COVID-19 related phishing scams, which can come via email and text. Phishing emails, for example, may ask you to verify your personal information in order to receive an economic stimulus check from the government. While talk of economic stimulus checks has been in the media, government agencies are not sending unsolicited emails that seek your private information in order to send money. The emails might be designed to look like they are from the United States Centers for Disease Control (CDC). Beware of emails that might even falsely claim a link to a list of COVID-19 cases in your area.

According to the FBI, phishing emails may claim to be related to charitable contributions; general financial relief; airline carrier refunds; fake cures and vaccines; and fake testing kits. Other emails might even come in the form of workplace policy. For example, some cyber criminals have targeted workplace email accounts, which could prompt you to click a link to a fake company policy thus prompting the download of malicious software. Therefore, it is important that companies and individuals have up-to-date virus protection software installed on their devices. Follow these recommendations to avoid falling victim to phishing emails:

  • Verify email address or link. Inspect links by hovering your computer mouse button over the URL to see where it leads. It might be obvious that the website is not legitimate. However, cyber criminals are more than capable of creating links that closely resemble legitimate sources. Delete the email immediately.
  • Be wary of online requests for personal information. For example, a COVID-19 email that prompts you to enter your Social Security Number or login information is a scam. Government agencies will not ask for this information. Do not respond to any emails with your personal data.
  • Avoid emails that insist on urgency. Many phishing emails are written to create a sense of urgency, which is a major red flag. These emails are designed to demand immediate action, with the goal being to get you to enter your personal information.
  • Check for grammar and spelling errors. If an email contains grammatical errors as well as misspelled words, chances are it is a phishing email.
  • Keep an eye out for generic greetings. Phishing emails are unlikely to use your name. Generic greetings, such as “Dear sir or madam” are likely not legitimate.

According to the United States Department of Justice, other COVID-19 scams to watch out for include the following:

  • Individuals and Businesses selling fake cures for COVID-19 online or engaging in other forms of fraud.
  • Malicious websites and apps that appear to share virus-related information that gain and lock access to your devices until payment is received.
  • Seeking donations fraudulently for illegitimate or non-existent charitable organizations.

To combat additional COVID-19 scams, the Federal Trade Commission encourages people to hang up on all robocalls. The FTC also says to ignore all online offers that advertise vaccinations and home test kits. Currently, there are no vaccines and/or pills available to treat COVID-19 in stores or online. In addition, there are no FDA-authorized home test kits available.

The importance of fact-checking information you encounter regarding COVID-19 is essential. Scammers and even your friends, who mean well, may share information about the virus that has not been verified. Visit www.cdc.gov and www.coronavirus.gov for valid COVID-19 information. Should you need additional guidance, contact your primary care physician.

By staying vigilant and aware of COVID-19 scams, we can work together to keep our communities and loved ones safe.

 

 

 

Share the season without breaking the bank

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Did you know that the average person spends more than $1,000 on holiday shopping? And that doesn’t include travel, entertainment and all the other fun stuff the holidays entail.

That’s why Benjamin Tracker from Ohio Valley Bank wants to help you stay on top of your spending now, before it turns into a blizzard of bills in January.

It’s easy to set spending targets with Benjamin Tracker. And once you have them, they can keep you grounded when the festivities get going in earnest.

Setting spending targets may be the best decision you make all season! And we’ve made sure doing it is just as easy.

There are other great features that Benjamin Tracker provides like monthly cash flow, spending patterns and the like.

But let’s keep it simple. Set your spending targets before the holidays heat up. You’ll be glad you did.
How to Set a Spending Target Read more of this post

7 Tips For Banking Safely On Your Smartphone

I bet it would fit in MC Hammer's pocket as-is.

I bet it would fit in MC Hammer’s pocket as-is.

Our smartphones today make the computers of yesteryear look like children’s toys.

Their average processing power, storage capacity, functionality, and (of course) portability would astonish early computer developers. From Angry Birds to Instagram, to Gmail and Skype, our phones do it all these days.

The advent of online banking in the mid 1990’s took the logical leap to our mobile devices as well. Who wouldn’t want the convenience of checking their balance or paying a bill from the palm of their hand?

However, as with any new technology there arises the potential for abuse. Many of the same techniques used by hackers and cyber-criminals to steal information from your personal computer are being used to do the same to your smartphone. Thankfully, just as there are many ways to safeguard your home computer, your smartphone has a great deal of options for security too:

  1. Use Passwords/PINs. All of the major smartphone operating systems offer the option to lock your phone until you put in a PIN, a gesture combination, or some form of password. This option should be one of the first things that you do once your new phone has been activated. Make sure that the PIN you choose is not something easy to guess. 1234 for example is a pretty common choice. Also make sure that you do not choose a PIN or gesture combination just because it is easy to input. Many people will choose one that is easy to input in a flash. These gestures are easy to guess as well because of their ease-of-use.
  2. Set Your Phone to “Time-Out” Sooner. The number one battery drain on our smartphones these days are our ultra-sharp, pixel dense, high-definition screens. So by setting your phone’s screen to time-out after a minute or so of inactivity is a smart move for saving your battery life, but it also has added security benefits. Should you set your phone down and walk off without it (an all too common occurrence) anyone who happens upon it will have access to your phone’s contents. However, if you set your phone’s screen to time-out after a minute or so of inactivity, and have activated a password feature on your phone (see above) then anyone picking up your phone will need to have the password to access it. Some of you may think it is such as hassle to have to slide your screen open every time you get a text, but think of the hassle it will be to have to reclaim your credit score from fraudulent charges because someone stole your phone and was able to easily access your information. Which seems worse?
  3. Find My Phone. One great way to safeguard your smartphone’s data is to never let it out of your sight, but how realistic is that? As mentioned above, the frequency with which people will set down their phones and walk off without them is astounding. (Just ask any waiter or bartender.) Thankfully smartphones today come equipped with the latest and greatest bells and whistles, like GPS. Using the functionality already found on your smartphone you can easily locate your phone should it be misplaced or stolen. iPhones use the app Find My Phone; while Android phones have many options in the Google Play Store, the app Where’s My Droid seems to be the most popular; Windows Phone is perhaps the simplest of all since it requires no app to download and no setting to turn on, just go to this page on WindowsPhone.com and follow the instructions.
  4. Update. Update. Update. Keep your phone up-to-date by installing your operating system and app updates, as well as your phone manufacturer’s firmware updates. When a loophole or security breach is discovered in an app or your phone’s OS, the fix is sent out in the form of an update. Make checking your phone for updates part of your daily routine. It only takes a few moments, and that is a lot less than you could spend if your personal information gets hijacked.
  5. Consider Antivirus Apps. Well known antivirus makers like AVG, McAfee, Symantec, and more have made their antivirus software in app form for your mobile devices. There are free ones, paid ones, some might even come bundled with the antivirus software you purchased for your desktop. If you think of your smartphone as a tiny, handheld computer (which it is) then you realize that antivirus apps make a lot of sense.
  6. Be Wary of Open WiFi Networks. Free WiFi is like a godsend if you don’t have an unlimited data plan or if you’re in an area with poor cell reception. How else are you going to share your beautifully cropped, eloquently filtered piece of art that was the cappuccino and Panini you had for lunch? Seriously, I’d like to know because I’ve been there. Well, an unfamiliar WiFi network is a prime way for an unscrupulous individual to grab your data and information, or send some piece of malware your way. If you don’t know who is in control of the WiFi you are about to connect to then it’s probably best to just let it go until you get back to more familiar territory.
  7. Use Bluetooth with Caution. Like WiFi, open Bluetooth connections are a great way for hackers and identity thieves to grab control of your device and its data. This even has its own fun-sounding name: bluesnarfing. However there is nothing fun about what this entails. By connecting to your device’s Bluetooth connection, one is able to retrieve information from your phone or send harmful programs to it. Thankfully today’s Bluetooth protocols have made this more and more difficult for people to pull off but that doesn’t mean you should let your guard down. Simply turning off your Bluetooth connection when you’re not using your Bluetooth-enabled headset or other devices will help minimize this risk.

Our smartphones are amazing things. The handheld communicators of Star Trek are in our pockets and purses today, but they do so much more!

Captain James T. Kirk

“Spock…can you…hear me…now?”

With a plethora of apps it’s easy to carry your virtual life in your phone. To paraphrase Spider-Man’s Uncle Ben: “With great convenience comes great responsibility.” Using your smartphone to do your banking is a perfect way to save time and energy, just be certain that you take the proper precautions.

Now excuse me, today’s the day I finally get past level 147 on Candy Crush Saga.

 

Have you ever used your smartphone for banking or to make purchase? If you have any extra security tips to share please do so in the comments below!

Spring Cleaning Your Finances

Housewife holding bucket with cleaning equipment

Here in the Ohio River valley spring is in the air. It’s time to start thinking about cookouts, walks in the park, gardening, and…spring cleaning. It’s always struck me as a little odd how spring cleaning became a thing. If we spend the whole winter cooped up in our homes why don’t we just clean them then? I mean you’re stuck indoors so  But I digress. Spring is a time of renewal, and with it comes a renewed determination to clean up our homes and lives. Spring cleaning doesn’t (and shouldn’t) just apply to your home. It also applies to any other part of your life that might be a bit messy, including your finances. So let’s take a look at a few reasons why getting our financial houses in order this spring can be a big boost…

  1. Being Organized Saves You Time & Trouble. Do you have a drawer stuffed with receipts? Is your desk swamped with paperwork? Set aside some time to specifically file and organize your financial documents; whether this means putting them in a filing cabinet, using binder clips, color-coded tab folders, or whatever you like is up to you. Whatever works best. You will soon find that having your finances organized neatly and orderly will make going over them far less daunting.
  2. Your Financial Awareness Will Increase. During the process of organizing and filing you will get a good idea of where you stand financially. This is a great time for review and reflection on the services you pay for, and a great time to trim some of the fat from your expenses.
  3. Going Paperless Saves. While you’re getting organized you can take it one step further by taking your financial life digital. Having your statements delivered to your email and paying bills online not only saves paper waste, but it saves you time, effort, and money spent on postage. The convenience this provides you will make you wonder why you didn’t do it sooner.
  4. Being Organized Can Help Keep You Safe. Organizing all of your financial documents helps you know where they are, what information they contain, and what you can get rid of. Your financial documents likely contain sensitive, personal information that identity thieves would love to get their hands on. Use this as an opportunity to shred some of the old documents you don’t need anymore before tossing them out.
  5. Less Chaos & Clutter Can Relieve Stress. Studies have shown that being organized can help one feel more relaxed and increase peace of mind. The ancient Chinese art of Feng Shui is rooted in having an organized and clutter-free home.

These are just a few reasons for getting motivated and adding your finances to your annual spring cleaning. It’s a great time to look at your budget, savings, debts, and everything else that concerns your money. Take the time to sit down and figure out which direction you want to be headed, and whether or not you are, in fact, headed that way.

Do you “spring clean” your finances? Have any tips to share? Leave them in comments below…

Banks: Saving the World, One Check at a Time

With Earth Day upon us, many tend to start thinking about how we can help the environment. We can all do our part, but did you know that many of the latest advancements in banking technology can help you be a greener customer?

Reduce your carbon footprint, don’t drive to the bank.

As I started thinking about this article, one thing kept jumping into my mind. With advancements in internet banking and mobile banking technologies, why do we even need to drive to a branch anymore? The answer, of course, is that we don’t. Most of our typical daily transactions, from checking balances to making deposits; and even grabbing some cash in some cases, can be done wherever is convenient.

With internet banking you can pay bills, transfer funds, check transactions and even open accounts. All from the comfort of your home. Do it in your jammies, we don’t care! Through mobile banking you can do all of those things (with the exception of open accounts), plus deposit checks.

Lastly, through advancements in ATM technology and the placement of those ATMs in convenient locations where you were going to be driving anyway, you can grab some cash. Some ATMs, like the one at our branch in Gallipolis Walmart, can even accept deposits of both checks and cash. You don’t even need a deposit slip, which brings us to our next point…

Save a tree, don’t write that check.

Anyone who has ever watched an Earth Day special on TV knows that less paper is better, right?

For the customer, the biggest source of paper has to be in two places, statements and checks. Banking technology has advanced to the point that neither of those things are really necessary these days.

Statements aren’t necessary? Well, yes they are, but PAPER statements aren’t. Through the use of electronic statements (eDelivery), you can have a digital copy of your statement emailed to you rather than mailed through the traditional post office. For some customers, that can really be a lot of paper pages they don’t have to have lying around the house (or in the shoebox, you know who you are).

Another way of reducing our paper usage is to reduce our check usage. Checks used to be a really big deal. There is still a place for them, but as technology advances the need for checks grows smaller and smaller. With online bill pay, you can set up certain payees as electronic payees. What does this mean? It means your payment will get there faster and no paper check is ever written.

The other way of reducing check usage is to pay with a debit card. Beyond the benefits to the customer (rewards, faster reconciliation of the account and convenience at the register), that’s one less paper check you are writing. Some retailers even do e-receipts, which completely removes paper from the equation.

Doing our part.

Are you going to patch the ozone layer by not driving to the bank or rebuild the rainforests by not writing that check? Probably not. But one thing I’ve seen over and over is helping the environment isn’t about one person changing the entire world. It’s about many people changing their own little part.

5 Cool Things You Might Not Know OVB Has

Ohio Valley Bank is a community bank.  We offer a small town vibe with small town customer service.  Your neighbor down the street could be the one taking your deposit, and that is part of what makes community banks great.  However, that doesn’t mean we can slack on bringing you the best in technology, convenience and useful products.  Even our best customers might miss out on something we release from time to time, so today I’m going to talk about a few of those things you may have missed.

Money Island & The Centsables

One thing all kids (and I) have in common is the love of playing games.  That’s why we offer Money Island.  Money Island is an online, virtual world where kids can log into a safe environment, play games, build a virtual home and learn how to be financially sound.  Check out the story of Stone Broke in the video below. Read more of this post

5 Tips for ATM Safety

A row of colorful ATMs.

Getty Images

ATMs (Automatic Teller Machines) are a common, everyday part of our modern lives. Ohio Valley Bank introduced Gallia County’s first ATM back in 1979 (though when the ATM was truly invented is still debated) and today you can usually find one nearby, no matter where you might be. They are in coffee shops, shopping malls, convenience stores, and you can even find them in courthouses. They are great for grabbing some quick cash, making a deposit, or checking your account balance, but with this proliferation of ATMs comes the opportunity for unscrupulous individuals to abuse them. ATM fraud is a valid concern we should all be aware of. Let’s take a quick look at some of the best practices one can remember when dealing with ATMs.

Read more of this post

New OVB Website Preview: Part 4

The launch of the www.ovbc.com is very close and this will be our final preview! We have already taken a look at the homepage, then how to navigate the new site, and at some of the bells and whistles. This time we will be taking a look at how an ever-increasing number of people do their browsing…via mobile device! Our new website was designed to be as mobile-friendly as possible, whether you are browsing it on Safari, Chrome, or Internet Explorer.

Here is what will greet you when you arrive at the new website on your mobile device: Read more of this post