Golden Pacific Bank, a division of SoFi Bank, N.A.

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Golden Pacific Bank, a division of SoFi Bank, N.A.

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04/12/2024

Yes, Virginia… "YOU CAN SKIP THAT SCAM (HERE'S HOW)"
A Weekly Blog by Virginia Varela
Head of Community Banking, Golden Pacific Bank, a division of SoFi Bank, N.A.

When someone asks for your financial information, question whether they're legitimate and why they need it. In most cases, that's enough to deter a would-be scammer from further targeting you.

Here's what you can do to protect yourself from bank scams:

-Secure your online bank account with a strong password. Hackers often target your online bank account credentials through phishing emails and fake websites. Secure your account with a unique password and two-factor authentication. Use a password manager to securely store your passwords and warn you if you enter them on a phishing website.

-Routinely check your credit report and bank statements. If scammers gain access to your bank account, they'll often start small to evade detection.

- Be on the lookout for the warning signs of identity theft — such as strange charges on your bank statement or accounts you don't recognize.

-Review your bank statements, credit card statements, and credit -reports. Look for unusual activities and charges you don't recognize.

Golden Pacific Bank, a Division of SoFi Bank, N.A. Member FDIC 2023. This information should be used for informational purposes only.

03/29/2024

Yes, Virginia... "SHARING RUTH REICHL'S 1971 SOUR CREAM APPLE PIE RECIPE"
A Weekly Blog by Virginia Varela
President, Golden Pacific Bank, a Division of SoFi Bank, NA

Golden Pacific Bank, a division of SoFi Bank, NA, proudly sponsors the Sacramento Speaker series. Yesterday's speaker was Ruth Reichl, the renowned American chef, food writer, and editor.

Here's a favorite apple pie recipe from Ruth's 1971 cookbook. Enjoy!

Sour Cream Apple Pie

3/4 cup sugar
3/4 cup brown sugar
2 tablespoons flour
1 teaspoon cinnamon
1/2 teaspoon nutmeg
juice of 1 lemon
3/4 cup sour cream
6 apples, peeled and sliced
1/2 cup flour
1/2 stick butter
pastry for a 1-crust pie.

Preheat the oven to 400 degrees.
Mix sugar with 1/4 cup brown sugar, 2 tablespoons flour, spices, lemon juice and sour cream. Mix in the apples.
Fit the crust into a 9 inch pie pan. Put the apple mixture in.
Mix the half cup flour with the remaining brown sugar and cut in the butter until the mixture is crumbly.
Sprinkle over the pie. Bake on the bottom shelf of the oven for 10 minutes, then turn heat down to 350 and bake another 35 to 40 minutes.

Recipe and photo proudly shared and publicly available.

03/28/2024

Yes, Virginia... “IDENTITY THEFT, THE WHO'S WHO OF BANK FRAUD"
A Weekly Blog by Virginia Varela
President, Golden Pacific Bank a Division of SoFi Bank, N.A.

Can someone use your identity to commit bank fraud? Absolutely. Identity theft was the number one reported type of fraud, according to the FTC. When scammers gain access to your personal information by phishing, for example, they can do one or more of the following:

- Gain access to your bank account and spend or transfer all your money
- Create new bank accounts in your name and take out several loans on your behalf
- Spend your money on a shopping spree
- Access your government benefits, such as unemployment benefits

Scammers might also access your emails and social media accounts. Then, they'll contact your friends and loved ones and try to carry out bank scams on them as well, capitalizing on their trust in you.

If you're the victim of a bank scam, you must act as soon as possible.

Banks and other insurance policies typically only cover financial fraud if you report it quickly. Wait too long, and you might be on the hook for money you legitimately lost. Take the following actions as soon as you discover you've fallen victim to a bank scam:

- If you unknowingly granted the scammer access to your credit card information. Call your card issuer and alert them that somebody stole your credit card numbers. Hopefully, They can help cancel the card before the scammer uses it or withdraws any funds.

- If the scammer has already withdrawn funds using your card information. Report the transaction as fraudulent to your credit card company and file an identity theft claim with the FTC. The card company may be able to reverse the transaction.

-If you paid the scammer using a wire transfer, check, debit, or credit card. You can also report the credit card scam or transaction as fraudulent to your bank.

- If you paid the scammer using a gift card. Call the gift card company and report the transaction as fraudulent.

- If you send the scammer funds using a payment app or cryptocurrency. Report the transaction as fraudulent by calling the app's customer service department.

- If you sent money through the U.S. Postal Service, Call the U.S. Postal Inspection Service to intercept the package at 877-876-2455.

- If you shared sensitive information such as passwords. Change your passwords right away and check to see if other accounts have been compromised and shared on the Dark Web.

Next Week: Skipping The Scam!

03/19/2024

Golden Pacific Bank staff support and congratulate all Outstanding Women Leaders at the recent NAWBO event!

03/15/2024

Yes, Virginia… “DON'T START YOUR DAY WITH SCAM AND EGGS”
A Blog by Virginia Varela
President, Golden Pacific Bank a Division of SoFi Bank, N.A.

Every day, thousands of people fall victim to fraudulent calls, emails and texts from scammers pretending to be from their bank. The goal of any bank scam is to get access to your bank account. Unfortunately (for scammers), they usually can't get access to your account without your help.

Bank scams commonly require that you share personal financial information with a scammer, install malware on your devices, or use unverified checks and other banking material.

Here are some of the common ways a bank scammer will target you:

- Send you fake checks that legally bind you to some action.
- Send a spam email or fake text message that requires you to respond with a log-in code or with a link to download malware.
- Get you to share your credit card number or bank account information on a phishing website.
- Pretend to be a bank representative and ask for your account number over the phone.
- Try to gain remote access to your online banking platform through malware or viruses.
- Buy your banking information on the Dark Web.

The good news is that, in many cases, you're in control of what bank scammers can steal. The more you understand how they try to pull off bank scams, the more secure your account information and money will be.

I'll have more next week—and that's not a scam!

Golden Pacific Bank is now Golden Pacific Bank, a Division of SoFi Bank, N.A. Member FDIC. This information should be used for informational purposes only.

03/11/2024

We love our clients! Today, we visited Restaurateur Ernesto Delgado’s latest addition, Octopus Baja, located at 2731 K Street in Sacramento. This seafood specialty restaurant boasts amazing décor that immediately puts you at ease, accompanied by great service and excellent food! Thank you, Ernesto, for adding another fantastic restaurant to our beloved City of Trees.

03/08/2024

Celebrating all women past, present, and future. Happy International Women’s Day!

03/07/2024

Golden Pacific Bank is excited to cheer on our very own Virginia Varela at the NAWBO awards this Friday.

03/02/2024

An exceptional evening last night celebrating the NAWBO OWL nominees, including our very own Virginia Variela.

02/14/2024

Happy Valentine’s Day from Golden Pacific Bank! 🩷❤️

02/13/2024

GET YOUR MONEY RIGHT: IT'S LITERALLY REWARDING

What does it mean to "get your money right"? It means having what you worked so hard to attain turn around and work equally as hard for you.

Get your money right means overseeing your personal finances— which can involve budgeting, tracking your spending, saving, and investing, among other tasks. Get your money right keeps you in control and on target for achieving your financial goals.

When prioritizing the payment of your bills, for example, you should make sure to pay for necessities first, such as housing, food, utilities, healthcare, and insurance. You’ll also want to make sure you pay your debts—which could include student loans, car payments, and at least the minimum on your credit card bill.

What are some common mistakes people make with their money and how can you avoid them? Common money mistakes include not having or sticking to a budget, accruing too much credit card debt, and not having an emergency fund, among others. You can avoid these issues by getting on a money management plan and budgeting effectively.

There are some resources available for improving your financial literacy.

Start with your bank: SoFi Bank, N.S. offers financial content and tools to build your financial literacy. Podcasts by well-regarded and -reviewed specialists are another option to explore. Lastly, you may find classes and seminars at local community and continuing-ed organizations.

Either way, here's a good answer if you're asked how you handle your financial life: "I manage...to get by."

Golden Pacific Bank is now Golden Pacific Bank, a Division of SoFi Bank, N.A. Member FDIC 2023 Golden Pacific Bank. This information should be used for informational purposes only.

02/10/2024

Supporting our local business clients is a privilege and a priority. Daniel Flores is the business owner at Taqueria Jalisco Mexican/American Food on 16th and D Street in Sacramento. He serves excellent food, delivers amazing service and makes a positive impact in our community. Thank you, Danny. You made our day!

Address

Sacramento, CA

Telephone

+19164442450

Website

http://www.goldenpacificbank.com/

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