How to Get Your Free Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.

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Topics: Personal, Real Estate, Experian, Free Credit Report, Equifax, Business, Security, Loans, Credit Report, TransUnion, Fraud, Education, Free Annual Report, Federal Trade Commission

Get Your Free Credit Report

Federal Law requires each of the three nationwide consumer reporting companies - Equifax, Experian and TransUnion to provide you with a free copy of your credit report, at your request, once every 12 months.

A credit report is used by a variety of companies to evaluate your application for credit. It is up to you to make sure your credit report is correct. The three nationwide consumer reporting

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Topics: Personal, Experian, Free Credit Report,, Equifax, Credit Report, TransUnion, Fraud, Education, Free Annual Report

Possible Reasons for a Missing Tax Refund

Avoid Misdirected Tax Refunds
Please re-check the account number listed on your tax return or stored in your tax software. Make sure that the bank account is OPEN and ACTIVE (not dormant or closed) and that you have checked the appropriate box on your return, checking or savings.
Missing a tax refund?
If your tax refund is missing, first double check the bank information that was sent with your tax return. There are four problem areas that might result in a rejected refund, as follows:
1. Bank Routing Number, the (RTN or ABA Number). Look for the 9-digit number on the bottom of your checks. State Bank's RTN is 124301779.
2. Bank account number. Make sure that you include all digits of your account number. Some numbers have a digit, a space and then more digits. Others will have 7 or 8 digits with no space. You must include all digits. There should be at least 7 digits in your SBSU account number.
3. Checking or Savings. You must accurately identify the account as a checking or savings account. Money Market accounts are designated as "checking". Your refund will reject if you incorrectly check the "Savings Account" box when your account is really checking or vice versa.
4. Your name. We can sometimes avoid rejecting a refund back to the IRS if your name is accurately listed, including any joint filers who also sign on your account.
Liability for misdirected refunds lies with the person who provided the incorrect information, not the bank. If your refund is missing, contact the IRS to begin the non-receipt process at (800)829-1040.

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Topics: State Bank of Southern Utah, Personal, Taxes, IRS, Tax refund, Avoid Misdirected Tax Refunds, Missing Tax Refund

To Build or Not to Build?

Are you contemplating between building or buying a home? Watch our video talking about the benefits of building. Let a State Bank mortgage loan officer assist you with any of your mortgage lending needs!

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Topics: To Build or Not to Build?, State Bank of Southern Utah, Personal, Loan, Real Estate, Home Building, Mortgage, Loan Officer, Loans, Home Ownership

Tami Spencer - Consumer Loan Officer

Tami is a long time employee at State Bank of Southern Utah. 2014 starts her 14th year with State Bank, with six years specializing in lending. Tami was born and raised in Cedar City, attended Southern Utah University and is married with four children. Her favorite part about working at State Bank is the great customers and employees she works with everyday. As a lifelong Cedar City resident Tami understands the needs of those living in southern Utah and is willing to assist with any consumer lending needs.

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Topics: Personal, Employee, Bio, Consumer Lending, Southern Utah Lending, Lending, Loans, Employee Bio, Tami Spencer

About SBSU

Hometown banking was established in southern Utah with the opening of State Bank of Southern Utah in 1957.

Hometown banking is important because people who live and work in southern Utah make the decisions. Bank employees and officers understand the banking needs of area residents because they are affected by the same economic climate. Find out what hundreds already know - hometown banking is better.

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