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Popmoney® Goes Mobile
Not using Popmoney yet? You're missing out on the fastest, simplest and safest way to send money from your checking or savings account to anyone that has an email address or cell phone number.
That means absolutely everybody.
And we've made it even easier yet. Popmoney is now available in Touch Banking!
Sending and receiving money is now just as easy as emailing or texting. Simply log into GCF Online Banker on your computer OR your mobile device and select the Bill Pay feature. You must be enrolled in Bill Pay to use this neat feature.
If you're logging in from your PC, you'll see a tab for Popmoney on your bill pay main landing page. Mobile users will select the Payments icon from the main menu.
From there, follow the prompts to schedule a payment to anybody at anytime. Your kid at college. Did he tell you yesterday that a fee is due today? No worries!
Your sister to chip in for your parent's anniversary gift. The debate over what to buy lasted until the day before the big event. No worries!
Your share of the dinner tab. Someone forget their wallet? They can't use it as an excuse any longer.
Your landlord. "The check is in the mail" is just another obsolete excuse.
Your lawn care worker. Nobody wants to be chased down the highway by an angry man on a tractor.
The recipient will be notified that you sent them money. If their bank is among the 1,700 that offer Popmoney, the funds will be deposited directly into their account.
If not, they'll have to register at Popmoney.com to retrieve payment. This is a one-time process. Subsequent payments to the same person will be automatically handled as directed.
Eliminate the hassles of writing checks, snail mail delays and increasing postage costs. No personal checks in the mailbox with a pickup flag extended, a welcome sign to thieves lurking for your account numbers.
Still not convinced? Visit our web site to answer any questions you still may have.
|On The World Wide Web
Find out where on the Internet a photo has appeared. Not all sites are yet catalogued, but you'll know if someone has stolen a Facebook image or sent you a photo of a supermodel by uploading it here.
Take the romance scams quiz. Find support, education and healing for scam victims at this site.
Legitimate online dating sites can be a great way to meet people, as long as you follow these ten online dating safety tips
Can You Be Manti'd?
The official name for the scam is catfish. Yet the revelation of a very public hoax perpetrated on the Heisman trophy runner-up Manti Te'o has brought it to a whole new level.
Te'o was involved in an online romance. While those of us of another generation find this far-fetched, those of the digital age can relate quite well.
People meet under every circumstance life offers. You meet people at school, at work, at clubs, at ballparks, at church. Anywhere people gather offers an opportunity to connect with others.
There's no need for it to be a physical location. Those seeking companionship might have placed a personal ad in the local newspaper back when they were the major source of news.
Today it's the Internet. Dating sites, social networking sites, sites dedicated to a shared interest or cause all bring people together under a common umbrella.
And like those you meet under any circumstance, they're not all who they portray themselves to be.
It could be a lie concerning where they went to college or previous job responsibilities they never really held. Maybe they want you to think they were raised in a good neighborhood rather than one fallen into decline. Pretending to be someone you aren't is no new trend.
But the anonymity of the Internet has made it more dangerous. Like cyberthieves, those who perpetrate cyberscams can ply their trade hiding within the complexity of the World Wide Web.
The term catfish is derived from Alaskan cod fishermen. The cod were kept in vats en route to market in China. Being listless for such a long time, the flesh was mush and tasteless when it arrived. Someone had an idea of putting catfish in the vats to keep them agile since they had to remain on guard. It worked.
An online catfish is a person who creates fake profiles using someone else's pictures and information. They keep you guessing whether the person you're chatting with is who they claim to be. They keep you thinking, on your toes.
Some merely suffer from low self-esteem and in need of an emotional boost. They think nobody could ever love them as they are. They're too fat or too tall. Too poor or too young. So they don a new persona as someone else with nobody the wiser.
Others are scam artists trying to bilk whatever they can out of you. A picture they send may contain a password-stealing virus. They may drill you for personal information.
They may offer a sob story about losing a parent or have a sick relative and need money to travel. A common ploy is pretending to be a soldier who needs money to call home more often. Terrorists often use such scams to raise money.
The best advice we can offer is to avoid falling in love with someone you haven't yet met. But this isn't as easy as it sounds. Catfish are skilled at detecting your vulnerabilities and target caring, honest people who trust in human nature.
There are warning signs. Cancelling face-to-face meetings at the last minute, claiming to fall in love with you in a short period of time, sob stories. Yet these are easy to rationalize when you think you've found your soul mate. Warning signs are easily dismissed as something time and growth will overcome. If this weren't true, divorce wouldn't be so prevalent in our culture.
Catfishing is so widespread that there is a MTV show devoted to it. Producer Nev Schulman was a victim himself. He documented his experience with a woman he knew as Megan in 2010. Turned out to be someone completely different - and the basis for a docudrama.
Since its debut, Schulman has been deluged with requests from people in online romances trying to learn the truth about a partner they've never met. It became the basis for an entire series.
He performs background checks and arranges for the two parties to meet. Sometimes the relationships are authentic and a love connection is made. Other times it's a scam and makes for pretty good TV.
Te'o revealed personal aspects of his online relationship to ESPN's Jeremy Schaap. He got a friend request on Facebook from a woman portraying herself as Lennay Kekua four years ago. The relationship didn't become romantic until late April 2012.
During that time he spoke with a man pretending to be her brother, and one supposedly a cousin. He spoke with someone he thought to be her sister and another her mother.
In reality, it was likely only two people playing all of the roles. And they were good.
Te'o spoke with Lennay every night on the phone. They shared scriptural observations. Te'os parents would often join the conversation. She spoke with his mother at length about converting to his Mormon faith.
He was sent a photo of family members posing with the flowers both he and his family sent for her funeral. The address given for the funeral home turned out to be a foreclosed home.
If only he had taken the time to Google her. He may have learned her dad's construction company didn't exist. He might have thought twice when her name didn't appear as a Stanford alumni as she claimed. Red flags would have raised when he got black screens during Skype sessions.
He would have known that nobody named Lennay Kekua had died on September 12, 2012. He would not have found a record of her birth.
In shock and disbelief, he learned of the deceit the day of the ESPN/Home Depot College Awards Show. Still not understanding what had happened to him, he continued the myth when asked about the inspiration for his performance during one of the greatest seasons in college football history.
Public humiliation is the least of what Te'o has undergone as a result of this hoax. He was projected to be chosen first pick in this year's NFL draft. If professional football teams deem his human error as lack of character, and overlook his achievements on the field, he stands to lose millions of dollars in both contract terms and future endorsements.
Yet Te'o believes there is purpose behind everything. If it can help others understand the risk in online relationships, all is not lost. As long as his family is okay, he will be too.
Today's web highlights offer resources you can use to checkout someone before you take that risk.
Tip of the Week
The Federal Trade Commission (FTC) is warning small businesses that an email with the subject line "Notification of Consumer Complaint" is not from the FTC. The email falsely states that a complaint has been filed with the agency against the business.
The FTC advises recipients not to click on any of the links or attachments with the email. Clicking on the links may install a virus or other spyware on the computer.
We've added a Financial Glossary to GCFBank.com! More than mere definitions, our glossary includes the commentary you came to know and expect in our Financial Insights column. Extracted from past issues of GCFlash and compiled on one convenient page for your reference.
"A mule will labor ten years willingly and patiently for you, for the privilege of kicking you once." - William Faulkner
Today in History
1673 - Postal service between New York and Boston was inaugurated.
An online dating research study conducted in 2011 found one out of every 20 online dating accounts were bogus or scams.
Have a comment about something you read in GCFlash? Suggestions for future articles? Drop us an email!
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