IN THIS ISSUE

• Financial Fitness: Strong Money Habits for Consumers and Businesses
• Digital Banking Upgrade
• Refer-A-Friend
• Financial Tip: Setting Up a Household Budget
• Tax Scam Awareness

Financial Fitness: Strong Money Habits for Consumers and Businesses

Financial fitness isn’t about perfection — it’s about progress. Small, consistent steps can make a big impact on your financial well-being.

For Consumers

Start with three basics:

• Build savings automatically, even if it’s a small amount each paycheck.
• Review subscriptions and recurring expenses regularly.
• Monitor your credit and check statements for accuracy.

Strong financial habits today help reduce stress and create more opportunity tomorrow. Need guidance? We’re here to help you build a plan that fits your goals. Learn more at www.bankbac.com/FinancialFitness.

For Businesses

Healthy cash flow is the heartbeat of every successful business. Financial fitness for your company means staying proactive — not reactive.

Consider:

• Maintaining a 3 to 6 month operating reserve
• Reviewing vendor contracts and expenses annually
• Leveraging digital tools to streamline receivables and payables

Regular financial check-ins help protect margins and position your business for growth. Let’s work together to keep your business financially strong. Learn more at www.bankbac.com/FinancialFitness.

^^

Digital Banking Upgrade

Thank you for helping make our recent Business digital banking upgrade a success! With one app and a unified login experience, accessing your accounts is now simpler than ever. Your username determines whether you see Personal or Business account information — all in one convenient place.

We’ve also provided helpful resources including guides, demos, videos, and FAQs at www.bankbac.com/DigitalUpgrade. If you have questions or would like to make any changes to your access, our team is ready to assist.

What's Next? 
Zelle^® for Small Business -- coming Summer 2026

^^

Refer-A-Friend Program

Love banking with us? Share the experience!

When you refer a friend, family member, or colleague, you both benefit. It’s easy to participate — simply refer someone who opens a qualifying account, and rewards follow.

There’s no better compliment than your recommendation. Start referring today at www.bankbac.com/Refer and help others discover the difference.

^^

Financial Tip: Setting Up a Household Budget

A household budget gives every dollar a purpose and helps reduce financial stress. Start with these simple steps:

• List all monthly income sources.
• Track fixed and variable expenses.
• Set savings goals first — then allocate remaining funds.
• Review and adjust monthly.

Budgeting isn’t restrictive — it’s empowering. A clear plan makes it easier to reach both short-term needs and long-term dreams. For more ideas and recommendations, visit www.bankbac.com/FinancialFitness.

^^

Tax Scam Awareness

Tax season is prime time for scammers. Stay alert for:

• Emails or texts claiming to be from the IRS demanding immediate payment
• Requests for gift cards, wire transfers, or cryptocurrency
• Threats of arrest or legal action
• Links to fake websites designed to steal personal information

Remember: The Internal Revenue Service does not initiate contact by email, text, or social media to request personal or financial information.

If something feels urgent or suspicious, pause before responding. When in doubt, contact us directly for guidance. Be sure to visit the Business section of our website accessible through www.bankbac.com/EducationCenter.

^^

Thank You!

Thank you for choosing BAC Community Bank as your banking partner. We value all our relationships and appreciate the opportunity to serve you.
 

Stay Connected
Follow @BACCommunityBank on your favorite social media platforms by using our official links at www.bankbac.com/social. 

.