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		<title>MoneyiQ by Rio Bank</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Mon, 15 Sep 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[Have a 401K? Here is why an IRA may still make sense]]></title>
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			<pubDate>Mon, 15 Sep 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[Beware of Tax Scams]]></title>
			<description><![CDATA[Tax time can be prime time for tax-related scams and phishing attempts. Learn how to protect yourself today!]]></description>
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			<pubDate>Sun, 15 Sep 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Is this Company Legit? ]]></title>
			<description><![CDATA[Has this happened to you? An ad pops up on social media, offering a great deal on an amazing product&mdash;but you&rsquo;ve never heard of the company. Is it safe to click &ldquo;Buy&rdquo;?]]></description>
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			<pubDate>Thu, 15 Aug 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[AI Phone Scams]]></title>
			<description><![CDATA[Scammers are constantly looking for new ways to trick you, and as technology becomes more sophisticated, so do the scams. Do you know how to protect yourself from AI phone scams? ]]></description>
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			<pubDate>Mon, 15 Jul 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Social Media Privacy]]></title>
			<description><![CDATA[Social media is all about sharing: connecting with friends, making new ones, even interacting with your favorite brands. But do you know how to protect your information? ]]></description>
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			<pubDate>Mon, 15 Jul 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Starting a Family? It's Time to Begin Your Financial Planning]]></title>
			<description><![CDATA[Thinking about starting a family? Then it&rsquo;s time to look closely at your finances because the costs will add up quickly.]]></description>
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			<pubDate>Sat, 15 Jun 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[QR Code Scams]]></title>
			<description><![CDATA[QR codes, or Quick Response codes, are a convenient way to share information. But these convenient little codes have become a major target for scammers out to steal your money.]]></description>
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			<pubDate>Wed, 15 May 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Protect Yourself from Check Fraud]]></title>
			<description><![CDATA[Do you send paper checks through the mail? Do you know how to protect yourself against check fraud?]]></description>
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			<pubDate>Mon, 15 Apr 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Cybercrooks and Retirement Accounts]]></title>
			<description><![CDATA[You check your bank account regularly for signs of cybertheft because it&rsquo;s a smart thing to do, but when was the last time you looked at your retirement account?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=93739]]>
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			<pubDate>Fri, 15 Dec 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[Watch Out for Package Delivery Scams]]></title>
			<description><![CDATA[With online shopping, it seems like we&rsquo;re always waiting for a package to be delivered&mdash;and scammers know that. Learn how to protect yourself today.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=104808]]>
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			<pubDate>Wed, 15 Nov 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is Multifactor Authentication?]]></title>
			<description><![CDATA[Hackers are always looking for ways to access your email and other important accounts, but multifactor authentication can make that far harder to do &ndash; so your information is safer.]]></description>
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			<pubDate>Sat, 15 Apr 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[How to Verify a Charity Before Donating]]></title>
			<description><![CDATA[Donating to charities can have a positive impact on countless lives, and it pays to give where your dollars will make the most difference.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=105198]]>
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			<pubDate>Sat, 15 Apr 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Beware of Government Imposter Scams]]></title>
			<description><![CDATA[Important government programs designed to help citizens can backfire when scammers get involved!]]></description>
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			<pubDate>Tue, 15 Nov 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is Social Engineering?]]></title>
			<description><![CDATA[Social Engineering is any malicious activity that takes advantage of people by tricking them into sharing private information. ]]></description>
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			<pubDate>Sat, 15 Oct 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Placing a Fraud Alert]]></title>
			<description><![CDATA[If you&rsquo;re the victim of identity theft, or think you may be at risk, you should act quickly to protect yourself from further financial damage.]]></description>
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			<pubDate>Thu, 15 Sep 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Don't Fall for Tech Support Scams]]></title>
			<description><![CDATA[You don&rsquo;t have to be a computer expert to recognize a tech support scam when you see one.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=105203]]>
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			<pubDate>Thu, 15 Sep 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[You Can Help your Child Learn How to Manage their Savings]]></title>
			<description><![CDATA[Teaching kids to save money is an important task that can benefit them throughout their lives.]]></description>
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			<pubDate>Mon, 15 Aug 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[What Makes a Good Credit Score?]]></title>
			<description><![CDATA[If you&rsquo;re thinking about applying for a credit card, getting a loan, or buying a house, you&rsquo;re going to want to know your credit score.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=75517]]>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Your Plan of Attack After a Hack]]></title>
			<description><![CDATA[When merchants are hacked, consumers are at risk. Is your credit or debit card in danger? Is there anything you can do? Find out now.]]></description>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Watch Out For Signs of a Romance Scam]]></title>
			<description><![CDATA[Looking for romance online? Don't get scammed.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=105231]]>
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			<pubDate>Sun, 15 May 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Public Wifi]]></title>
			<description><![CDATA[Whether you&rsquo;re at home, at the office, or especially on a public wifi network, there are steps you can take to stay secure and guard your personal information.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=93738]]>
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			<pubDate>Sun, 15 May 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Making the Most of Credit Card Rewards]]></title>
			<description><![CDATA[Credit cards should do more than help you spend; they should help you get rewards too! Learn what that can mean for you.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=76331]]>
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			<pubDate>Tue, 15 Mar 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Don&rsquo;t Get Tricked By An Online Job Search Scam]]></title>
			<description><![CDATA[Looking for a job online? Be careful of job scams that could cost you money and still leave you without work.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=61115]]>
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			<pubDate>Tue, 15 Feb 2022 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Paying Off Debt: Snowball vs. Avalanche]]></title>
			<description><![CDATA[Sometimes paying off debt can feel impossible, especially if you owe a lot. So, what can you do? Consider the snowball or avalanche methods.]]></description>
			<link>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[Some Scammers Are Targeting Personal Payment Apps]]></title>
			<description><![CDATA[Some scammers are trying to use that handy peer-to-peer mobile payment app to trick you out of your money. Learn more.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=105311]]>
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			<pubDate>Mon, 15 Nov 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Can&rsquo;t Find Your Payment Card? You Might Be Able To Turn It &lsquo;Off&rsquo; Or &lsquo;On&rsquo; Remotely.]]></title>
			<description><![CDATA[Have you ever panicked over a misplaced debit or credit card? The solution might be simple - just turn your card off. Learn more.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=76332]]>
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			<pubDate>Fri, 15 Oct 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Keeping Your Accounts in Good Standing]]></title>
			<description><![CDATA[Keeping your accounts in 'good standing' can make a big difference. Learn why.]]></description>
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			<pubDate>Fri, 15 Oct 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Do You Know How Your Payment Cards Work When You Travel?]]></title>
			<description><![CDATA[Getting ready for a vacation? Learn how planning ahead can save you money on travel transactions.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=51927]]>
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			<pubDate>Thu, 15 Jul 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Tips to Protect Yourself from Elder Financial Abuse]]></title>
			<description><![CDATA[Seniors shouldn't rush into financial decisions or feel pressured to act until they are ready. Find out why.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=51936]]>
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			<pubDate>Tue, 15 Jun 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[Tips To Help Seniors Keep Their Money Safe]]></title>
			<description><![CDATA[Online and mobile banking have tools to help seniors keep their money safe. Here are some things you can do.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=51942]]>
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			<pubDate>Tue, 15 Jun 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[It&rsquo;s Important To Learn About Managing Your Money While In College]]></title>
			<description><![CDATA[It might not be a class you take, but one of the most important things you can learn in college is how to manage money. Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=117939]]>
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			<pubDate>Sat, 15 May 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[ Some Stolen Personal Data Is More Sensitive Than Others]]></title>
			<description><![CDATA[Not all stolen data is equal. The more sensitive the information, the more damaging it can be. Learn what you can do.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=92564]]>
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			<pubDate>Mon, 15 Feb 2021 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Watch Out For Scammers Claiming To Be From Your Bank]]></title>
			<description><![CDATA[Here are some important things to think about if someone calls claiming to be from your financial institution.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=61120]]>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Are You A Victim Of Identity Theft? It&rsquo;s Time To Take Action.]]></title>
			<description><![CDATA[You need to take action if you suspect you are a victim of identity theft. Here are some things you can do.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=84678]]>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Watch Out For Caller ID Spoofing Phone Calls]]></title>
			<description><![CDATA[Your telephone can be a gold mine to scammers. Find out what you can do to prevent caller ID spoofing.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=105233]]>
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			<pubDate>Sun, 15 Nov 2020 00:00:00 -0500</pubDate>
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			<title><![CDATA[Are You Taking The Time To Balance Your Checking Account?]]></title>
			<description><![CDATA[Nervous about how much money is in your checking account? Learn why it's important to keep track of your balance.]]></description>
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			<pubDate>Tue, 15 Sep 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Things To Think About When You Leave Your Job With Money Invested In A 401(k)]]></title>
			<description><![CDATA[What should you do with your 401(k) when you leave your job? Here are some options.]]></description>
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			<pubDate>Wed, 15 Jul 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[What Is A Data Breach And What Should You Do?]]></title>
			<description><![CDATA[A data breach doesn't mean you will become an identity theft victim, but it can lead to that. Find out what you can do.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=93748]]>
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			<pubDate>Sat, 15 Feb 2020 00:00:00 -0500</pubDate>
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			<title><![CDATA[Paying Debts and Learning To Save Money Can Reduce Your Financial Worries]]></title>
			<description><![CDATA[Paying debts and learning to save money can reduce your financial concerns. Check out these tips.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1227&id=76322]]>
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			<pubDate>Sun, 15 Dec 2019 00:00:00 -0500</pubDate>
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