Notes NEWS YOU NEED TO KNOW: CHANGES TO AUTOMATED CLEARING HOUSE CREDITS & DEBITS - Greenfield Banking Company
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Volume 46
Number Four
December 2017
notes
NEWS YOU NEED TO KNOW: CHANGES TO
AUTOMATED CLEARING HOUSE CREDITS &
DEBITS
Changes in the rules for Automated Clearing House (ACH) credits and debits took effect
on September 15, 2017. Customer notification of the information below was circulated
In this issue: previously in checking account statements.
With this rule change, nearly all types of
GBC Art Gallery electronic payments (excluding debit card
transactions), for both credits and debits are now
Employee Promotion eligible to be processed on the same day that
2018 GBC Observed Holidays they are originated. This will, in effect, speed up Effective
Visa Gift Cards
the payment system.
January 1, 2018,
Online & Mobile Banking
A faster payment system will tighten up timelines
for paying and receiving payments. Previously,
all direct deposits
From The President’s Desk ACH deposits may have been credited a day (and other ACH
or two ahead of the actual effective date of
GBC In Your Community the payment. Effective January 1, 2018, ACH credits) will not be
Employee Milestones
deposits (predominately affecting direct deposit
of payroll) will be credited on their effective date
available until the
Consumer Awareness – not before. Please note the actual pay date effective date (pay
(effective date) of any deposits you receive and
then adjust any outgoing payments accordingly. date) of the deposit.
To Recap:
Effective January 1, 2018, all direct deposits (and
other ACH credits) will not be available until the
effective date (pay date) of the deposit.
Greenfield Banking Company If you have any questions, please contact your closest GBC office.
www.gbcbank.com
Member FDIC | Equal Housing Lender
GBC NMLS #461229
Artwork By Bob Meyers
The artwork of Bob Meyers will be on display in Greenfield Banking Company’s Art Gallery from
January through March, 2018.
Bob Meyers is an Indiana native, residing on the northside of Indianapolis for his entire 60 years
of life.
At an early age Bob loved to draw. Art classes were his favorite throughout grade school and
high school. While attending Ball State University, Bob majored in Graphic Design and Painting.
Computer graphics had not yet been developed so most of his instruction was learning to draw
what you see. At the time, graphic design courses required the ability to copy a photograph as
exactly as possible and Bob developed a skill for this. Whether rendering with a pencil or working
the brushes, Bob discovered he could copy the referenced photo into the drawing or painting.
Following college, Bob worked in computer graphics, creating vinyl decals used on semi-trucks Bob Meyers, Artist
and trailers, which included screen printing, digital printing and cutting out the images.
Bob has an eye for detail and wants the viewer to know what they are looking at. His challenge: To let the colors from the pallet work against the dark and
black background to show and capture the light source, especially in his night scenes.
Bob enrolled in watercolor painting at the Indianapolis Art Center, studying under the direction of renowned artist Paul Sweany, whom Bob noted was a great
source of inspiration. Paul’s guidance influenced Bob’s gravitation to paint pieces with a nature theme.
Bob is a member of The Watercolor Society of Indiana, Hoosier Salon, Indiana Artists Club and Indiana Wildlife Artists. His work has been exhibited at the
Indiana State Fair, the Eagle Creek and Cool Creek Park annual shows and the Ann King Gallery in Zionsville, IN.
Bob’s GBC Art Gallery exhibit is dedicated to his parents, John and Wanda. He gratefully acknowledges their support and encouragement, which allowed him
to pursue the arts. “I was an Art Kid. I always enjoyed making things and testing my skills. Art Is Fun”, comments Bob.
The public is invited to visit Greenfield Banking Company’s Art Gallery from January through March, 2018 to view Bob Meyers artwork. The GBC Art Gallery,
located on the second floor of the Main Office, 1920 North State Street (SR 9), Greenfield, IN is open to the public during normal business hours: M – Th, 9 –
5; Fri, 9 – 6; Sat, 9 – Noon. Be sure to stop in and view his exhibit at GBC.
https://www.gbcbank.com/art-gallery.htm
GREENFIELD BANKING COMPANY 2018 HOLIDAY CLOSINGS
Employee Promotion
January 1 (Monday) New Year’s Day All offices closed.
January 15 (Monday) Martin Luther King, Jr. Day All offices closed.
Greenfield Banking Company recently February 19 (Monday) Presidents’ Day All offices closed.
announced the following promotion May 28 (Monday) Memorial Day All offices closed.
in November, 2017. July 4 (Wednesday) Independence Day All offices closed.
September 3 (Monday) Labor Day All offices closed.
October 8 (Monday) Columbus Day All offices closed.
November 12 (Monday) Fed. observance of Veterans Day All offices closed.
(Actual holiday falls on Sunday)
November 22 (Thursday) Thanksgiving Day All offices closed.
December 24 (Monday) Christmas Eve All offices close at Noon.
M ichelle Webb
has been named
Assistant Compliance
December 25 (Tuesday)
December 31 (Monday)
Christmas Day
New Year’s Eve
All offices closed.
All offices close at 3 pm.
******
Officer. January 1, 2019 (Tuesday) New Year’s Day All offices closed.
GBC VISA® GIFT CARDS:
SHOP AT YOUR
HOLIDAY SHOPPING CONVENICENCE,
MADE EASY! ANYTIME, ANYWHERE!
GET STARTED WITH
ONLINE & MOBILE
BANKING:
WRAPPED TO DECEIVE,
BUT GLADLY RECEIVED! WWW.GBCBANK.COM
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From The President’s Desk
Thank you to all our customers, associates, friends and shareholders! This year was yet another quick moment in time and one
filled with fun events and special moments as we celebrated 145 years of serving our communities and friends.
This year was exciting and fruitful as we went all out to extensively renovate both the inside and outside of our Fortville Office
while we also saw great and beautiful buildings grow up all around our New Palestine Office. Our other facilities also were busy
as we served many customers around Cumberland and McCordsville as well as our three offices in Greenfield and of course, our
office in Indianapolis at 96th and Keystone.
As is our custom since 1871, Greenfield Banking Company employees work hard every day to help you in banking, lending and
investment needs. And if you have a moment then please drop by our Fortville Office for a chat and a quick moment checking
John Kennedy out not only that branch but admire the great things happening in that town. And don’t forget to peak over at New Pal and
GBC President & CEO Cumberland and McCordsville and most definitely Greenfield – all exceptional towns with great folks doing wonderful things while
decking out their streets and buildings.
Finally, it is that time of year again where we say have a happy, jolly holiday season filled with laughter and good cheer with friends and family. Three cheers
to all for a very merry season and most prosperous 2018.
Sincerely,
John M. Kennedy
GBC President & CEO
GBC In Your Community
Dan Payne (left), a GBC Assistant GBC employees held
Vice President and Electronic various events throughout
Services Specialist, serves as a October to raise funds
Board Member of Nine Star Connect’s for Hancock Regional
Community Trust Committee for Hosptial Foundation’s
Operation Round Up. The Committee Women Helping Women
provides grant money to non-profit organization, which provides
and government organizations. free mammagrams and
Funds are collected from Nine Star other health services to
customers who allow their monthly bills to be “rounded up” to the next dollar. women who are uninsured or underinsured. Renée Rupley, GBC
The change is set aside for the grants. Pictured above, Dan (left) presented a Vice President and Marketing Director, recently presented a check for
check to the Rushville Police Department for $5,795. The funds will be applied $1,945 to Women Helping Women Committee Members.
towards the purchase of in-car video systems and body cameras for officers.
Employee Milestones
The following employees were recognized for reaching employment milestones during September, October and November, 2017.
D onna Griffin
15 years
of service as of
E rin Edwards
15 years
of service as of
A li Arnett
10 years
of service as of
September 9, 2017. September 17, 2017. September 18, 2017.
K im Kelley
5 years of
service as of
R amona Short
10 years
of service as of L indsay Huffman
15 years of service as
September 19, 2017. October 30, 2017. of November 29, 2017.
J ackie Hart, 20 years of service as of September 23, 2017.
Photo withheld by request. T eresa Fey, 10 years of service as of October 29, 2017.
Photo withheld by request.
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Consumer Awareness
Equifax Data Breach
Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million
Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally
identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately
209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no
evidence of unauthorized access to consumers’ credit reporting databases.
To be clear, Greenfield Banking Company was not compromised and your information was not stolen from our bank. However, Greenfield Banking Company
takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps
you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be
extra vigilant and report any suspicious activity in your Greenfield Banking Company accounts to Greenfield Banking Company by calling 317-462-1431 or
contacting us through our website at www.gbcbank.com.
Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers
complimentary identity theft protection and credit file monitoring. This information is available at www.equifaxsecurity2017.com. To protect your identity and
personal information, Greenfield Banking Company strongly encourages our customers to take the actions noted below.
• Review your account statements to spot any suspicious transactions. You can also monitor your account activity through NetTeller, online
banking at any time at www.gbcbank.com. If you spot any suspicious transactions, please contact us immediately at 317-462-1431 or at one
of our branches.
• Consider if you should place an initial fraud alert on your credit report (see https://www.consumer.ftc.gov/articles/0275-place-fraud-alert).
• Consider if you should freeze your credit file (see https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs).
• Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report or visit
www.annualcreditreport.gov.
Experian ® TransUnion® Equifax®
P.O. Box 9554 P.O. Box 2000 P.O. Box 740241
Allen, TX 75013 Chester, PA 19016 Atlanta, GA 30374
888-397-3742 800-680-7289 866-349-5191
www.experian.com www.transunion.com www.equifax.com
• You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.
If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also
want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) at https://
www.identitytheft.gov/ or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at
https://www.consumer.ftc.gov/topics/privacy-identity-online-security.
Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your
personally identifiable information. You may call them at 866-447-7559.
***************************************************************************
Calls from 877-382-4357? Hang up.
Scammers are using fake caller ID information to trick you into thinking they’re someone who can be trusted. The practice is called caller ID spoofing, and
scammers can fake anyone’s phone number. Scammers are spoofing the FTC’s Consumer Response Center’s phone number (877-382-4357). But don’t let
that stop you from reporting scammers — it’s still safe to call the Consumer Response Center and it’s also safe to report scammers online.
If you’ve submitted a report or request to the FTC’s Consumer Response Center, the FTC might call you for additional information. We won’t call you from 877-
382-4357. And the FTC will never ask for money or for sensitive information such as your Social Security number, date of birth or bank account information.
Scammers are constantly picking new phone numbers to spoof. Here are a few tips for staying ahead of scammers and their unexpected calls:
• If you get a strange call from a government phone number, hang up. If you want to check it out, visit the official (.gov) website for contact information.
• Don’t give out — or confirm — your personal or financial information to someone who calls.
• Don’t wire money or send money using a reloadable card. In fact, never pay someone who calls out of the blue, even if the name or number on the
caller ID looks legit.
• Feeling pressured to act immediately? Hang up. That’s a sure sign of a scam.
If you’ve gotten a call from a scammer, with or without fake caller ID information, report it to the FTC. https://www.consumer.ftc.gov/blog/2017/10/call-877-382-
4357-hang?utm_source=govdelivery
By Andrew Johnson, Consumer Education Specialist, FTC
GBC Notes is published quarterly for customers of Greenfield Banking Company to provide information about the Bank, educational banking tools and community involvement. This
newsletter is published solely for informational purposes and we believe its contents to be reliable but acccuracy is not guaranteed.
Published by: Greenfield Banking Company, Marketing Department | 1920 N State St., Greenfield, IN 46140 | 317.462.1431, x5264 or x5290 | www.gbcbank.com
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