Bank Note Blog

Embarking on the journey of building your dream home is an exciting venture, but it also comes with a unique set of challenges, especially when it comes to financing. Unlike buying a pre-existing home, where you'd typically secure a mortgage to cover the cost, constructing a new home requires a different financial product: a construction loan.

Understanding how construction loans work, from rates and fees to disclaimers, determining your eligibility are crucial first steps towards turning your dream home into a reality.

In an era where digital wallets are as common as carrying physical wallets, the convenience of Cash App, Zelle, Venmo, and PayPal has seamlessly integrated into our daily transactions. However, with this convenience comes vulnerability.

In 2025, the sophistication of scams targeting users of these apps has escalated, making it imperative to stay vigilant. At Encompass Credit Union, we want to ensure you’re equipped to take on your tech, no matter the circumstances. This blog aims to equip you with the knowledge to effectively spot and counter these scams.

In the digital age, amid the hustle of everyday transactions and legal processes, notarization stands as a crucial pillar, ensuring the legitimacy and security of important documents. Particularly for young adults or those labeled as Gen Z, navigating adult responsibilities like leasing agreements, loan contracts, and legal paperwork can be daunting.

In today's fast-paced world, understanding convenient and secure ways to handle our financial transactions is crucial. For young adults and anyone exploring banking tools for the first time, it’s essential to know the differences between and uses for cashier’s checks and money orders. Whether you are planning to pay rent, send money to a friend, or make a large purchase, knowing which option to choose can save you both time and hassle, especially when you want to avoid lending.