Newsletter Contents - August 4, 2026
“Survey Says!”
We're always looking for ways to make your online and
mobile banking experience even better -- and you can help.
Whether you receive a direct email invitation or see a
banner on BAC Digital Banking asking for your participation in our digital banking survey, we hope you'll take a few
minutes to share your thoughts. It doesn’t matter how frequently you use our desktop online banking or mobile app, your
feedback helps us understand what's working well and where we can improve.
The survey is conducted by an independent research firm, and
your responses are completely confidential. Your honest feedback helps shape future updates, new features, and the overall banking experience.
Thank you for taking a few moments to help us
serve you better. We truly appreciate your time and your partnership.
^^
Ready to Grow Your Business?
Our SBA 504 Loan Can Help.
Big goals often require big investments. Whether you're buying your
own building, expanding your current location, or making a qualified investment that will move your business forward, our SBA 504
loan can make those plans more attainable.
One of the biggest advantages of the SBA 504 program
is long-term, fixed-rate financing, which can provide predictable payments while helping you preserve cash for day-to-day operations and future growth.
In many cases, you'll also benefit from a lower down payment than you might expect with traditional financing.
Every business has a unique story, and every expansion plan
is different. That's why our lenders take the time to understand your goals and help you find the financing solution
that's right for you.
If you're thinking about your next step, let's start the
conversation. Call us at (209) 944-1516 or (925) 308-7545. Your future may be closer than you think.
^^
Friends Tell Friends
Have you ever recommended a favorite restaurant, local business, or
service to someone you know? If you've had a great experience banking with us, we'd be honored if you'd do
the same.
When you refer a friend, family member, neighbor, colleague, or
coworker, you're introducing them to a bank that values relationships, personal service, and convenient banking solutions designed to fit their
lives.
Your referrals are one of the greatest compliments we can
receive, and we're grateful for the trust you place in us every day.
Know someone looking for a better banking experience? Send them
our way -- we'd love the opportunity to earn their business.
^^
Simplifying Your Budgeting Approach
You've probably heard it before: budgeting is the key to
personal finance success. However, the thought of tracking every single dollar and receipt can feel overwhelming, restrictive, and overly complicated—especially
for beginners. This kind of detailed, dollar-by-dollar money management is often why people give up before they even start.
The good news? Managing your money doesn't have to be
painful.
The 50/30/20 rule is a simple budgeting framework that gives
you structure without requiring you to track every single penny. Instead of micromanaging your money, you follow a high-level plan
that still helps you save, spend responsibly, and pay off debt -- without feeling restricted.
Explore how the 50/30/20 rule works, how to calculate your
own numbers, and how to adjust the rule if your cost of living doesn’t fit the classic percentages on our
website under Education Center > Featured Resources.
^^
Beware of QR Code Scams
Like any technological advancement, QR codes have a dark side.
Because they are so convenient and can be found practically everywhere, cybercriminals have found ways to turn these digital shortcuts
into digital traps. Victims of QR code scams can suffer financial losses, malware, and identity theft.
How to Identify Suspicious QR Codes
Always inspect the QR code before scanning it. Look for
any signs of tampering, such as a new sticker placed over an old code. Most smartphones provide a preview of
the URL before actually opening it; take a moment to review this URL. If it looks suspicious or unfamiliar, do
not open it.
Be Cautious
The first step to protecting yourself is to be cautious.
Approach unfamiliar QR codes with skepticism.
- Don't scan a code simply because it's convenient or because
you’re curious.
- Be wary of QR codes received through unsolicited mail, emails,
texts, or social media messages.
- Before entering any information, double-check the website URL to ensure
it's legitimate.
Even if you’re seeing the QR code in a place
that seems legitimate, like at a restaurant or other local business, trust your instincts. If you're unsure about a QR
code, ask an employee or representative of the business to verify it before you scan it.
It is also good practice to regularly monitor your personal
accounts. Keep an eye on your financial accounts for any unauthorized transactions and report suspicious activity immediately, especially if you
have recently scanned a QR code to get to a website.
Get the Full Story
Learn more on our website under Education Center > Featured
Resources.
^^
Stay Connected!
Thank you for choosing BAC Community Bank as your banking
partner. We value all our relationships and appreciate the opportunity to serve you.
Be sure to follow @BACCommunityBank on Linked In, Facebook, and
Instagram.
^^
