From Counter to Clearing: How Checks Really Work
Depositing a check feels simple. You hand it to a teller or snap a picture with your phone, see the money show up in your account, and assume you're good to go. But behind that simple transaction is a surprisingly detailed process designed to protect both you and your bank. On this episode of Isn't That Rich, we sat down with Anna Richardson, Vice President of Deposit Operations at Farmers State Bank, to pull back the curtain on what really happens after you deposit a check. From why funds sometimes aren't immediately available to how banks catch fraudulent checks every day, Anna gave us an inside look at the work most customers never see.
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Scammers Are Getting Smarter. Here's How to Stay Ahead of Them.
Forget the badly written emails and the obvious red flags. The fraud happening right now is polished, professional, and specifically designed to fool people who think they know better. In this episode, Jill and Ashley get into exactly why these new scams are working, what's changed, and what it means for how you protect yourself and your money. They cover spoofed numbers, fake verification requests, text scams, and more, and they make the case for why slowing down and trusting your gut might be the most underrated financial protection tool you have.
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MyFSB Book Club: Audacious by Mark Schaefer
Be honest. When was the last time a piece of marketing actually stopped you in your tracks? If you can't remember, that's exactly the problem Mark Schaefer tackles in Audacious, and it's exactly why we picked it for our June Book Club. In this episode, we dig into why playing it safe is the riskiest move a brand can make, how the flood of AI-generated content is making "fine" completely forgettable, and what it really takes to create marketing people talk about. We share the ideas that hit home for us, the parts that made us squirm a little, and how we're thinking about being bolder with our own brand right here in Southern Illinois. Whether you're a business owner, a marketer, or just someone who loves a good book with big ideas, this conversation will challenge you to stop blending in. Grab a copy, hit play, and read along with us.
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Decode Your Pay Stub
Your pay stub is basically speaking a foreign language, and you've been nodding along for years. FIT, FICA, GTL, HSA, it all sounds like alphabet soup until someone actually explains it. In this episode, we crack the code, line by line, and let you in on a few sneaky money moves hiding in plain sight on that piece of paper you've never actually read. Come for the decoding, stay for the "wait, I can do that?" moments.
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4 Signs You Have a Healthy Relationship with Money
Here is something nobody tells you: you can have a great income and still have a terrible relationship with money. And you can have very little and still be doing everything right. This week Jill and Ashley are talking about what a healthy financial relationship actually looks like, the signs you are there, the signs you are not, and the small steps you can take today to start getting there. This episode is for anyone who has ever felt shame, stress, or straight-up dread around their finances. So basically, all of us. Tune in!
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