August 2024 Email Contents
Trusted
Contact Person
BAC Community Bank is one of a handful of California banks that provides accountholders the option to appoint a Trusted Contact Person, or TCP. This person is an individual you authorize BAC to
contact
in specific situations to help protect your financial accounts. They can be a family member, friend, or any trusted individual who you believe can act in your best interest.
In an age of increasing financial fraud, a trusted contact can help safeguard against nefarious actions that could jeopardize your financial well-being.
Naming
a Trusted Contact Person adds another layer of protection for your personal assets if something unexpected happens in your life. It adds an additional level of security to your account, and there is no cost for this service.
Financial Institutions often serve as the first line of defense when it comes
to
cases of possible financial exploitation. A Trusted Contact Person is another resource to help protect you against financial abuse or scams. A TCP cannot access your account information or perform transactions on your accounts, but is someone who can help BAC reach you or confirm your status in an unexpected
situation.
A
Trusted Contact Person is not the same as someone who acts as a representative under a Power of Attorney (POA). It may be beneficial to identify someone who is not already named as a POA and who has no access to your accounts.
If BAC cannot reach you, adding a
Trusted
Contact Person to your account may help ensure that your current address and contact information are correct. If we suspect that you are experiencing a health issue, it may help to designate a contact to confirm your current health status.
There are several ways to learn more about appointing a Trusted
Contact
Person. Information is available online at www.bankbac.com/trustedcontact.
If you prefer, you can contact us by using Smart
ALAC, visiting your local branch, or calling our Customer Care Team at 1-877-226-5820 to learn more.
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Online Account
Opening
Are
you
looking to open additional Personal accounts at BAC Community Bank, but don’t have the time to stop by a branch during our business hours? If so, you will find our Online Account Opening feature inside Online Banking and Mobile Banking is available when you are.
Here is a list of Personal
accounts
currently available through this feature:
- Checking
- Savings
- Certificates of Deposit
Simply log in to Online Banking or Mobile Banking and click the “Open A New Account” button to have a new Personal account opened in minutes.
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Protect Yourself Against
Artificial Intelligence (AI) Scams
Phishing scams are nothing new, but technology is constantly evolving, and so are the tactics scammers use. One of the newest and most alarming threats is AI voice scams, which leverage sophisticated artificial intelligence to impersonate the voices of loved ones or trusted
figures.
Imagine
receiving
a
frantic call from your child or grandchild, claiming they've been arrested or injured while traveling in a foreign country and desperately need money for bail or medical care.
Understandably panicked at such terrifying news, you rush to send the requested funds through a wire transfer or gift card, only
to
discover
later
that your child is safe and sound, and your money is gone.
This scenario, unfortunately, is becoming increasingly common. Scammers can target anyone, but family scams are particularly effective because they prey on our emotions and concern for loved ones.
Explore AI voice cloning technology, how it's used in scams,
and
most
importantly,
how you can protect yourself and your loved ones from falling victim. Visit www.bankbac.com/ai-phone-scams to continue reading.
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Coming in September...
Bill Pay is Getting a Fresh New Look!
On September 10, 2024, BAC Community Bank will
be
launching
a redesigned
Bill Pay experience that gives you access to all the functionality you’re used to with a new modern look, streamlined workflows, and friendlier navigation.
Why the Change?
At BAC Community Bank we understand life is busy. Our new Bill Pay experience will simplify paying your bills with improved workflows
for
key
features and
friendlier navigation to ensure you can get your bills paid with ease – and save your time and effort for more important things.
What’s New?
In addition to the overall design update, you will now be able to add billers in just a few clicks. Our system can find
billers
and
add them
to your account for you in minutes.
Will This Update Affect My Account Access?
No. Once the updated Bill Pay user experience is live, you can simply log into Personal Online Banking or Personal Mobile Banking using your same credentials to see what’s new. You’ll find all of your
past
Bill
Pay history,
payee information, and scheduled payments in place and ready to use.
For complete update details and to watch our helpful video tutorials, visit www.bankbac.com/billpay2024. If you have questions or want to learn more about our digital banking products, please contact us through Smart ALAC, by
phone
at
1-877-226-5820, or
in person at your local branch office.
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Coming in September...
Smart ALAC Month and a Chance to
Win $200 in Cash!
Smart ALAC is getting... well... smarter! As we enter the month of September, it is a good time to review both the
new
and
existing
capabilities
of this
unique communications platform developed by BAC Community Bank.
When you use Smart ALAC, you can enjoy:
- Choosing and chatting with a live banker
- Video conversations with your live banker
- Secure
document sharing
- Signing
documents
with Docusign
®
integration
- Co-browsing,
where you and
your banker can share screens for easier support
help
- Getting live help Monday-Friday 8am-6pm and Saturday 9am-2pm
- Real-time translation, allowing you to freely converse even if English is not your native language
- Having access to your conversations through a computer browser of the Smart ALAC
app
Plus, during
the
month of
September,
you have a
chance to win $200 in cash!
Simply
log in and use Smart ALAC for at least two conversations with your personal BAC banker between September 1, 2024-September 30, 2024 for a chance to win $200 cash. The winning BAC Community Bank
customer will
be
notified via
Smart
ALAC following the
drawing.
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Thank
You!
Thank you for banking
with BAC Community Bank. Be sure to follow us on Facebook, Instagram, and LinkedIn. @
BACCommunityBank
