Financial Education Month

April 2013 is the designated month during which Americans are encouraged to increase their knowledge of financial education principles and take action to improve their finances.

FSBB would like to provide this opportunity to help customers learn more about personal finance – and use this knowledge to perhaps review your spending plan, order and review your free credit report, and make sure you aren’t paying avoidable, unnecessary fees for banking or other services.  FSBB has made an ongoing commitment to our customers and communities we serve to provide education on a variety of topics throughout the year.  We hope that you take the opportunity to use a few of the resources that we think might be useful this month.

FDIC Consumer News

The FDIC's quarterly publication for consumers offers information and tips on credit cards, bank accounts, loans, scams, money management, and much more. FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. Each issue offers helpful hints, quick tips, and common-sense strategies to protect and stretch your hard-earned dollars. 

Money Smart

The FDIC’s basic financial education curriculum is designed to help low- and moderate-income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships.  The curriculum is available in instructor-led, self-paced online, and Mp3 podcast formats.  Money Smart has been shown to positively influence how people manage their finances, and these changes are sustainable in the months following the training. is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on can help you maximize your financial decisions. Throughout the site, you will find important information from more than 20 federal agencies and bureaus designed to help you make smart financial choices.

Credit Score Improvement

Maintaining a good credit score is essential for those looking to borrow. Lower FICO scores typically are classified as higher risk, making it harder for you to get approved for loans.

To help monitor and maintain a healthy FICO credit score, it is highly recommended to check your score every 3-4 months. You can obtain an annual free copy of your credit report by using, the only authorized online source for a free credit report.

These techniques and more can help you better manage your debt. To find more ways to improve your FICO credit score, visit the Federal Reserve's website.