Spring Cleaning Tips: Get Ready for Warmer Weather


Spring is just around the corner. This is the time of year we can’t wait to break out of the house and enjoy the fresh, new season. It’s also the perfect time to get your home ready so once the warmer weather comes, you’re ready to sit back and enjoy the great outdoors.

Here’s some simple tips to get your home ready:

Interior Spring Cleaning

It’s easy to become lazy in the winter, but now is the time to get the inside of your house ready for Spring. Start cleaning all the neglected areas of your house i.e., clean ceiling fans, sweep the cobwebs, wash the windows and clean out the fireplace. Once you’re done cleaning every inch of the house, you’ll feel accomplished and will look to Spring with even more excitement.

Check your emergency systems

Just like preparing for the winter, you’ll also want to prepare for the nicer weather by checking your emergency home systems. Make sure your smoke detectors and carbon monoxide alarms are working properly by changing the batteries, check the batteries on your home alarm and check the expiration dates on fire extinguishers.

Exterior Spring Cleaning

During the upcoming warmer days, take the opportunity to start getting the exterior of your house ready for Spring. Clean out the gutters and downspouts, rake up any leaves, walk the yard and pick up tree branches and debris, and check the weather-stripping around the windows and doors.

Consider larger Home Improvement projects

Once you have everything clean and ready for Spring, it just might be the perfect time to make some home improvements that you’ve been putting off for years. Maybe it’s time for some new landscaping, a new deck or patio or time to replace the roof. These projects can really add up, but also can make a big difference to your home. West Suburban Bank offers an affordable solution with a Home Equity Line of Credit. Check out West Suburban Bank’s current promotion and get started! The warmer weather is on its way!


Protect Yourself While Shopping Online


Many consumers will do some, if not most, of their holiday shopping on the Internet. According to the National Retail Federation, the average shopper will do 44% of their holiday shopping online, most in survey’s history. But as more consumers turn to the Internet to do their shopping so do the fraudsters with their scams. West Suburban Bank® suggests that consumers follow some simple steps to protect themselves while shopping online

Some people like to shop online because of the convenience and others like the exclusive sales available only on the Web. Whatever the reason, we all have to take steps to protect ourselves and our financial information. Don’t let the spirit of the season get ruined by online fraud.

West Suburban Bank offers the following tips:

If you’re not sure, don’t share. Anyone can set up a website these days so be sure you’re familiar with the retailer’s site before you give them any of your financial information. The Better Business Bureau has a list of about 70,000 safe websites. Check it out at: http://www.bbb.org/online/consumer/default.aspx

Is the site secure? Look for the ‘s’ in https:// and a small padlock at the bottom of the screen before entering any payment information.

Know the terms of your purchase. Is the product returnable and if so, who pays the shipping fees? How long will the product take to ship? What does shipping cost? Read the fine print. If it’s not clear or you don’t agree, make the purchase elsewhere.

Print & Save. Be sure to print and save the transaction receipt, the order number, a customer service phone number, and any other information you can just in case there’s a problem with your order.

Check the privacy policy. Find out what they’re doing with your information by reading the privacy policy. If it’s too complicated to read or they don’t have one, choose to do business with a more consumer friendly website.

TMI. Don’t divulge too much information to anyone on the Internet. If a website is asking for your bank account number, social security number or driver’s license number, don’t share it.

Know your rights. If you suspect you are a victim of fraud, notify the financial institution involved, you can also contact the Federal Trade Commission at: http://www.ftc.gov/complaint.

Visit our Consumer Security Tips page to learn more about the ways you can be proactive in protecting your accounts.

Is it time to Refinance Your Home?


There are many reasons why homeowners choose to refinance their home. You can save time and money by lowering your rate or shortening the term on your loan. If you have equity in your home, you may even qualify to take out additional funds to use for other expenses, such as tuition, a new car or a home improvement project.

Typically, you would refinance to lower your rate, or perhaps you have a variable rate and want to get a fixed rate so you do not have to worry about the uncertainty of your rate going up during the term of the loan. You will also want to factor in mortgage closing costs, application fees, appraisal fees and other charges that may significantly eat up your savings.

Another possibility, if you’re looking to refinance your mortgage is to consider a home equity loan. If you qualify to refinance your first mortgage with a home equity loan, you could potentially save thousands in closing costs and other fees.

Run the numbers and see how much you will saving in the end. You can find mortgage calculator online to help you. When you are reviewing your mortgage, you should consider rates, types of mortgages, monthly payments, fees associate with the loan, closing costs, and how long you plan to be in your home. There are plenty of reasons to refinance your home; however, some of them may not be beneficial. Before you make the decision to refinance, you should evaluate your long-term financial goals.

Credit Card and Debit Card Protection with West Suburban Banks’ CardValet App

With the CardValet app, get ready to save time and gain peace of mind knowing you can control your WSB debit and credit card with the smartphone in your pocket or purse. If you can’t find your debit or credit card, you can instantly protect your card against fraud and theft by turning it on and off and get real-time alerts to ensure your card is used only by you.

Isn’t it nice to breathe easy?
We think so, too.

CardValet is just another way we’re here to help you keep things cool over complicated.

Cheers to that!

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Mailing address:
711 S. Westmore-Meyers Road
Lombard, IL 60148
Phone: 630-652-2000

Consolidate your debt with a Home Equity Line of Credit.


Now that the stress of the holiday season is behind us, it’s maybe the perfect time to consolidate any high interest credit card debt using the equity in your home.

A home equity line of credit (HELOC), from West Suburban Bank, can be used to consolidate all your bills into one payment. Chances are you will get a much lower APR, which will help you save money that can be used to pay off your debt sooner. The best part is a HELOC is a revolving line of credit. You can continue to borrow against it for any of your lending needs as you pay it down.

For example:
If you had a $25,000 Home Equity Line of Credit and you used $10,000 to consolidate high interest credit card debt, your loan balance would be $10,000 and you would still have available $15,000. As you make payments and pay down the balance, the principle amount paid off becomes available to be used again*. Let’s say, you paid $5,000 down within 6 months. Your available credit on the HELOC would be $20,000, which you could use for any purposes such as home improvement projects, tuition costs, or virtually anything else.

Take advantage of the equity in your home today. Check out of current Home Line of Credit promotion. It’s simple to apply. Just stop and apply today at any West Suburban Bank branch near you.

* During the “Draw Period”, minimum payments are accrued finance charges, any past due amounts, and other charges (if applicable). During the Draw Period, only making minimum payment will not reduce your outstanding obligation. An increase in rates will increase your monthly payment. After the Draw Period, all outstanding balance enters a “Repayment Period.” During this period, you will no longer be able to obtain credit advances and must repay the outstanding balance over a specified period of months. For additional information, please click here or speak with a WSB representative.