The economic downturn from the national credit crisis and recession has been hitting heavily at personal finances in recent months. Even though some recent economic indicators have been positive, economic recovery is still a ways off. Smart consumers know that protecting their money, personal information, credit and credit score in this uncertain climate is very important.

Below you will find some resources to help you with managing your finances. These websites can help you learn more about handling debt, starting to save, protecting your money, and preventing yourself from becoming a victim of a financial crime.

National Foundation for Credit Counseling (NFCC) The NFCC and its Member Agencies have developed and delivered financial education programs and counseling services to millions of Americans for nearly 60 years. Whether you decide to participate in financial education programs with NFCC educators, or schedule an individual session with a certified NFCC financial counselor, you can learn how to use credit wisely and gain control of your financial future. Visit their website for some great tips on savings, credit counseling, debt counseling, credit cards and many other financial tips.

Federal Deposit Insurance Corporation (FDIC) The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system. Learn more about the FDIC and their mission by visiting their website.

FDIC Deposit Insurance Coverage Your ProBank deposits are protected up to the insurance limit provided by the Federal Deposit Insurance Corporation (FDIC). FDIC insured accounts include checking and savings accounts, money market deposit accounts, CDs and deposits in IRAs. Learn more about FDIC Insurance and protecting your deposits, including using an insurance coverage calculator, by visiting the FDIC's website above.

Federal Trade Commission (FTC) – Email Spam Do you receive lots of junk email messages from people you don't know? Under the CAN-SPAM law, businesses have responsibilities to follow when soliciting to you via email. Many of these junk emails can contain scams, fraudulent links or even viruses. On this website you can find tips on how to reduce the amount of spam email in your in-box, as well as report deceptive emails to the FTC.

Do Not Call Registry Do you frequently receive telephone calls from telemarketers annoying you with trying to sell you something you don't need? By visiting this website you can register your home or mobile phone With the National Do Not Call List, preventing these solicitors from contacting you. You may also file complaints to the FTC here if telemarketers continue to call after adding your number to the registry.

Fake Checks Website Check scams have been an ongoing type of fraud that could cost you thousands of dollars. Scam artists continue to develop fraudulent checks and new phony scenarios to rob you of your hard earned money everyday. This website can provide you with some excellent resources to learn and protect yourself from these scams.

Federal Trade Commission (FTC) - Prescreened Credit Card Offers Are you tired of receiving prescreened credit card offers in the mail? Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer. You can opt out of receiving these offers for five years or opt out of receiving them permanently, just by visiting the FTC's website above and following the simple instructions.

Federal Trade Commission (FTC) – Identity Theft Identity theft is one of the fastest growing crimes in America. A dishonest person who has your Social Security number can use it to get other personal information about you, and use it to access your good credit to apply for more credit in your name. At the FTC's ID Theft website you can learn how to protection your information, check your credit history for free, file a complaint, and complete an ID Theft Affidavit if you've become a victim.

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