Also, YNB is now offering a 3.50% APR for all USED 2009 to 2012 cars, trucks, motorcycles, and boats. You may not find a better deal in town than this on used motorcycles and boats! Take advantage of this special promotion from your friends at YNB and leap into the fun!

Call or see a YNB Loan Officer today and find out how easy we make it for you to start enjoying the great outdoors in your new vehicle !

All financing based on approved credit. Limited Time Offer.

Welcome to YNB Mobile! Take YNB Mobile with you on the go: around the clock, down the street or around the globe. Whether you prefer using text banking, your phone’s mobile browser or YNB’s new app YNB Mobile, you now have the ability to bank almost anywhere at anytime. Best of all, YNB Mobile is FREE.

Available Features:

• YNB Mobile provides you with a simple, convenient and secure way to manage your YNB Account(s) on your mobile phone.
• Access your current account balance(s) and search recent transactions by date, amount, or check number.
•  Easily transfer funds between your accounts.
• Search for nearby YNB branches, phone numbers and ATM locations.

 (Standard mobile data charges may apply. Please contact your mobile carrier for more information.)

YNB Recommendations:

•  Use Smart Phone Sign-On  Identifications, Passwords, and Security Questions cautiously, on your phone and the YNB Mobile site.
• If your smart phone is ever lost or stolen contact YNB immediately at 350-1335 and notify your phone carrier, so they can shut down your phone service.
• Do not use insecure, public WiFi networks to access YNB Mobile. Always use your cellular network to access.
• Please use YNB Mobile responsibly and do not use YNB Mobile while driving.

YNB Mobile and YNB Online Banking are separate services and require separate registrations.

— iPhone® Registration —
GO TO  your app store and Search for YNB

— Android® Registration —
GO TO the  googleplay® app store

— Other Smartphones —
GO TO www.mobile.ynbok.com

Some phones may not be equipped to accept YNB Mobile.

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Text Banking

YNB Text Banking is also available. Most text message enabled phones may be used for YNB text message banking. To sign-up for text banking go to enroll.ynbok.com

(Standard text messaging fees may apply. Please contact your mobile carrier for current texting  fees).

Please text responsibly and never text while driving.

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Visit our Mobile Frequently Asked Questions (FAQ) | Click here

© 2012 YNB All Rights Reserved

With the Enhanced Identity Protection Plan, you’ll receive these important services:

• 1 Bureau Credit Monitoring & Alerts- Your Experian® credit file is monitored every business day for certain changes that could indicate identity theft. When certain changes are detected, you receive a prompt notification so you can take any necessary actions.
• 24/7 Lost or Stolen Card Assistance -If your wallet is ever lost or stolen, one phone call puts the ITAC Victim Assistance® team to work canceling and/or reissuing credit cards and activating six months of credit monitoring. And if you’re traveling 100 miles or more from home, you can request up to $2,000 in emergency cash.
• Internet Surveillance and Alerts -Monitors the Internet for signs that your registered credit/debit card and bank account numbers, or Social Security number are on unsecure websites. You can register up to 20 credit cards and 20 bank accounts for monitoring.
• Credit Education Specialists - You have unlimited access to Credit Education Specialists who can help you and answer identity theft questions.
• ITAC Victim Assistance® -If you do become a victim of identity theft, the experts in the ITAC Victim Assistance team will guide you through the recovery process and help you every step of the way to recover.
• Identity theft insurance- Up to $10,000 identity theft insurance** (with no deductible), at no additional cost to you, to help you recover certain expenses associated with identity theft.

In order to take advantage of the benefits of the complimentary plan, you must first activate your service. Please call a YNB representative to learn how to activate your complimentary Enhanced Identity Protection Plan today!

* Please visit www.MyIdProtectionPlan.com/Activate   to read the Privacy Policy and Terms of Use prior to activating. The Activation ID is required to activate your benefits.

**Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, Connecticut 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations.

¹Javelin Strategy & Research – 2010 Identity Fraud Survey Report

Click Here to Pre-Qualify online now or visit one of our loan officers in person at 401 Elm in Yukon.  We will walk you through the mortgage process with ease, making your experience hassle free.  Our goal is to find the best loan product for you!

Call one of our loan officers today and begin your journey to home ownership.

(405) 354-5281.

Ask for the Real Estate Department

Your Mortgage Resource…

 100 Years Strong!

The typical scam works something like this: a bank customer in good standing is convinced by a stranger to “trust” them with their funds. The crook warns the victim to be in a position to “prove” he can be trusted, or to not tell anyone of this secret deal. If you receive a deal like this, discuss it with someone before proceeding with it. If you receive something like this, come into YNB and go over the details with us first.

Second, a check of some sort is sent to be deposited in the victim’s account. It might be a hundred dollars or thousands of dollars and it is made out to you. It’s unlikely the bank will refuse to accept deposit of the check if the check is deposited by a well-known bank customer. It may appear to be a U.S. government check, a cashier’s check,  or any other kind of check, but it may have a very official look to it. The check may even be drawn on a large, well-known company, but in every case, the check is not valid. It may be a completely fictitious check drawn on a nonexistence entity at a nonexistent bank. It may be a falsely-created check drawn on an actual company’s account. It may be drawn on a Canadian bank. It also could be a properly issued check which was stolen from the mail, chemically washed to remove the original payee and altered to show the victim as payee. BEWARE !

How the crook gets you hooked

Everyone would love to have some extra money from time to time, and this seems like an easy way to make some extra cash. The crook convinces you to send part of the check proceeds your will receive to an accomplice as soon as the bank will allow the customer to withdraw the funds. The reason for sending the money varies. They might say the funds are needed to release even more money that will be coming your way, or to pay taxes, licenses, fees, or lawyer’s fees for the deal. The customer may be told that a foreign company needs an agent to cash a check in the U.S. and then wire the funds (many times to countries like Nigeria or West Africa). The foreign company may say it’s account has been blocked because of current unrest. Their stories will vary, but oftentimes they are very believable. They want you to trust them. They will say things you want to hear, and entice you with tells of new-found wealth. They may even have testimonials attached. They play on your desire to get rich quick, or get something for nothing.

How long should I wait to know if the check is “good” or not?

It’s almost impossible to tell when you have waited long enough. It is possible to be liable for the check for several years. Just because an account is credited and the bank releases any holds on the funds does not mean that the check is good. It is possible, under normal circumstances, for a check drawn on another U.S. bank to be returned for a forged maker’s signature two weeks after the deposit is made. If the check is drawn on a Canadian bank, the check can be returned several months later. If it is a fictitious check drawn on the U.S. treasury, the credit can be reversed may months after the check was deposited. However, waiting weeks or even months is not always safe. If a legitimate check was stolen from the mail and then altered, the check can be returned for three years or more after it was deposited. When the check can be returned to the depository bank, the depository customer will be liable for the check.

How can I verify that a check is “good”?

It is very, very hard to know if a check is “good” or not. It is often possible, however, to verify that the check is definitely invalid. If the check is drawn on a phony account or a phony cashier’s check, contacting the bank it is alleged to be drawn on may help determine whether it is worthless or not. However, if you contact the bank, they cannot tell you whether or not the check was stolen from the mail and altered. Only the maker of the check can provide that information. You may be able to contact the maker of the check directly; however you should never us e a phone number listed on the check. You will need to independently locate the phone number of the check maker. However, even if you do all the verification possible, there is still a possibility that the check could be returned years later, and you will be stuck.

Too Good To Be True? Don’t Do it!

Many of these scams fall into the “too good to be true” category. If it seems to be too good to be true, it is. The crooks take advantage of the fact that even their skeptical victims often can’t figure out how they are being scammed. Whenever you negotiate a check, you have the potential for long-term liability. If you are being asked to cash a check for a stranger and send someone part of the money, you are being scammed. Don’t do it!

Just Say No To Potential Scammers

When a check is cashed, your bank often allows the funds to be withdrawn within a few days. However, if the check is not valid, the depositor can be liable for the check for a very long period of time. You need to be skeptical of any check received from a stranger. Even if he is royalty, or he has made hundreds rich using just this simple technique, or someone you trust told you that it really does work. Simply put: if you are asked to deposit a check and send some of the funds to others, simply refuse. It could save you from a long-term financial mess.

Your time is valuable. Aren’t you relieved when you get a real person to answer the phone when you make a call? ’ Our live switchboard (during working hours) connects you directly with the person you want.

Also, David Goodwin was voted Best Loan Officer in Yukon and Donna Kline was voted Best Bank Employee in Yukon. David is Executive Vice President at the Main Bank and Donna is Vice President/Branch Manager/Lending Officer at YNB East.

Go green and get your YNB bank statements delivered to you online, safely, confidentially, and in a timely manner. You can check your bank statements no matter if you are at home, office or away on vacation with YNB e-Statements. Be environmentally friendly too.  If you need help signing up for YNB e-statements, contact Customer Service at 350-1335 and we will be happy to walk you through the process.

Information for this article taken from two websites. 

If you go to one of these social security websites you will be leaving YNB’s secure website.

The two websites are the official Social Security website at www.socialsecurity.gov/deposit/ and from the website www.socialsecurityretirementincome.com.

If you apply for Social Security or Supplemental Security Income benefits, you will soon receive your payments electronically.

Note: if you are now receiving your benefits electronically, then this change will not affect you.

If you did not sign up for electronic payments when you applied for benefits, we strongly urge you to do it now.  You must switch to electronic payments by March 1, 2013.

If you don’t switch, the U.S. Department of the Treasury may send your benefits via the Direct Express® card program to avoid an interruption in payment. If you opt for this payment method, then once you receive your debit card your benefits will be deposited directly to your card each month.

This Direct Express®  debit card (which is not affiliated with YNB in any way) can be used at any retailer that accepts MasterCard®, or cash can be withdrawn from any ATM. There will not be any fees for using the debit card to make purchases, and beneficiaries can make one free ATM withdrawal each time a payment is registered to the card. Additional withdrawals will cost 90 cents each, and the owner of the ATM may also impose fees.

It’s safe, quick and convenient to have your benefits delivered to you in either the Direct Deposit to your local bank or via the Direct Express® debit card.

If you are already receiving benefits, you can obtain a password  and start or change to Direct Deposit online.

For more information about this government program call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) or go online at www.socialsecurity.gov/deposit/.

You can also sign up at your bank or you can open an account at YNB. We will walk you through the steps you need to take to have your Social Security or other government benefit money safely deposited into your YNB savings or checking account.

If you would like to have your Social Security, Veteran’s Benefits, Railroad Pension, or Federal Disability Check mailed directly to your YNB Account click here to learn more about direct deposit at YNB.   Please call a new accounts representative at YNB Main at 354-5281 or call or visit the YNB location nearest you to sign up soon.

This switch was mandated by a Treasury rule issued in December of 2010 with the primary purpose being to reduce the costs required to mail out paper checks. But also, this change will help reduce fraud, as there will no longer be any checks floating around for unscrupulous people to steal.

Don’t wait until the last minute to make this change. Get started now so you can enjoy uninterrupted service and know how your money will arrive to you each month.

Click Here To Learn More About Online Security for Businesses.

Click Here to Learn About Online Security for Consumers.

Click Here to Learn About A New Online Security Threat.