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March: March Money Moves

Empower Your Finances in Honor of Women's History Month 

March is Women’s History Month, and we’re celebrating the trailblazing women who have shaped industries, driven innovation, and inspired change. At Harmony Bank, we support women-led businesses by providing the resources and solutions they need to thrive. Whether you’re starting or scaling a business, we’re here to help you maximize your potential. 

YOU DESERVE HARMONY

Tax Season: Banking on Success 

With tax season approaching, small business owners must balance accurate filings, deductions, and cash flow. Smart banking habits—like separating finances, tracking expenses, and using tax-friendly tools—can streamline the process. Consider these strategies:

  1. Separate Business and Personal Finances — Using a dedicated business checking account and credit card is essential for clear record-keeping. Not only does this simplify tax preparation, but it also protects you in the event of an audit.
  2. Review Your Eligible Deductions — Make sure you're capturing every eligible expense before filing. Common write-offs include home office expenses, business travel, software subscriptions, and even interest paid on business loans.
  3. Optimize Your Tax Payments — If your business had a strong year, you may owe more in taxes than expected. Consider meeting with a tax professional to adjust your estimated quarterly payments.
  4. Plan for Next Year Now — Tax season is an opportunity to assess your business’s financial health and set goals. Review cash flow, tax strategies and banking habits to stay prepared and avoid surprises.

Protect Yourself From Fraud

  • Never give personal information via phone unless you trust the caller and have verified their identity.
  • Check your account daily for any unusual or unauthorized transactions.  
  • Do not click on unidentified links in emails, text messages, or websites—they could be phishing scams designed to steal your personal data.
  • Change your bank passwords regularly to ensure the security of your accounts.

If you notice unusual activity or requests from someone claiming to be Harmony Bank, call us at 1-800-HARMONY or www.Harmony.Bank