News & Events

As autumn settles in, it’s the perfect time to prepare for what’s ahead. With just a few months left in the year, October offers an opportunity to review your goals, strengthen your financial footing, and position your business for growth. From managing seasonal cash flow to exploring new financing options, the choices you make now can set the tone for a strong finish in 2025 — and an even stronger start to 2026.

Bank local. Grow strong.

CONJURE UP FINANCIAL SUCCESS

Don’t Let Year-End Sneak Up on You 

1. Keep Cash Flow Steady
   Revisit your financial goals, update your budget, and use tools like Online Banking, account alerts, and automatic transfers to manage income, cover bills, and maintain a healthy balance through end-of-year.
2. Max Out Tax-Advantaged Accounts
   Check your contributions to your IRA or Health Savings Account (HSA) to make the most of tax benefits before the deadline.
3. Strengthen Your Credit & Debt Strategy
   Review your credit report, pay down high-interest balances, or consolidate debt with a personal loan to start 2026 on stronger financial footing.

October is Cybersecurity Month

1. Protect Your Information
   Never share your passwords, PINs, or one-time codes, even if someone claims to be from your bank. Harmony bankers will never call or text asking for your online passwords.
2. Beware of Phishing 
   Don’t click unknown links, scan unsolicited QR codes, or trust unsolicited calls that request sensitive information. Remain cautious of anyone who asks your personal details.
3. Report Anything Suspicious
   Notify your bank immediately of any suspicious activity. Remember, if it feels off or too good to be true, it probably is — trust your instincts and stay vigilant.
    

PROTECT YOUR IDENTITY TODAY

Keep Seasonal Cash Flow from Haunting Your Business

1. Maintain Stable Cash Flow
   Seasonal fluctuations can create cash flow challenges; having a steady cash flow is essential for covering expenses, paying employees, and keeping your business running smoothly throughout the year.
2. Utilize a Business Line of Credit
   A business line of credit provides flexible borrowing options that you can access whenever you need them. This helps manage cash flow gaps during peak seasons or when facing unexpected expenses, ensuring your business remains resilient.
3. Smooth Seasonal Transitions
   By leveraging a line of credit, you can navigate seasonal changes with confidence. It offers the financial stability needed to handle fluctuations, so seasonal shifts don’t disrupt your growth or potential.  

SPOOK-PROOF YOUR BUSINESS TODAY