Become a Travel Pro

Monday, March 04 at 02:00 PM
Category: Personal Finance

The spring break travel season is in full swing. Skies are filled with frequent fliers eager to redeem hard-earned miles and highways are crowded with road-trippers anxious for a getaway. Whether you are a seasoned traveler with a tried-and-true routine or someone just entering the travel scene, these tips will make your trip a breeze.

Pack Your Carry-on Wisely

No one likes boarding a plane, stowing a carry-on bag, navigating to a seat and sitting down only to realize their headphones are still in the bag overhead. Travel and Leisure1 recommends packing a separate, smaller bag filled with essentials such as a cell phone, earbuds, a wallet, medicine and books. Before you board the plane, pack the smaller bag at the top of your carry-on, so it is easy to remove and keep at your seat during the flight.

Use Your Rewards

Typically credit card companies, airlines and hotels offer competitive rewards programs for loyal customers. Although keeping up with points may seem overwhelming at first, many companies offer convenient, user-friendly platforms to make the process simple. Right now, Arvest’s Consumer Credit Card earns 3X rewards2 points with each eligible travel purchase. Be sure to activate rewards as soon as possible, because bonus rewards will only be awarded from the time you activate until April 30, 2019.

Don’t have an Arvest Credit Card? Apply for a consumer credit card today and enjoy 0%3 APR on purchases and balance transfers for 12 billing cycles. After that, your rate will be based on credit worthiness 14.65% to 21.00%. You can also earn up to $1004 in bonus rewards. Every time you make a purchase during vacation, pay with your Arvest Personal Credit Card and earn Arvest Flex Rewards™ Points to redeem later.

Download Music

Streaming music is a common travel pastime. Unfortunately, cell phone service is often limited at some point during a trip, both on land and in the air. Avoid hours of silence and download your favorite playlists ahead of time. The music will be available with or without Wi-Fi or a cell phone signal and you will get to travel to the tune of your favorite songs.

Schedule Downtime

When planning a trip to a new destination, it is easy to pack too many events into an already-full itinerary. Back-to-back reservations may seem feasible on paper, but can lead to burnout if there is no time to breathe. Huffington Post1 interviewed a number of experienced travelers who shared their best advice for a successful trip. Multiple experts emphasized the need to schedule rest time or purposely leave gaps in your travel itinerary. This technique provides an opportunity to soak in the experience and truly immerse yourself in the new environment.

Remember Less is More

When packing for a trip, it can be tempting to bring a different outfit for each day and extra outfits for unforeseen situations. However, Sky Scanner1 encourages travelers to prioritize and pack less. Consider choosing neutrally colored clothing that is easy to layer. Pair pieces strategically and turn four shirts into eight or more outfits, by simply layering different colored sweaters or scarves. Spend less time dealing with bulky luggage and more time enjoying your much-needed vacation. Plus, if you pack less, there will be more room in your suitcase for souvenirs. Don’t forget to use your Arvest Personal Credit Card at checkout to earn rewards.

Be Open-Minded

Vacation is the perfect time to branch out and try something new, whether it is a new food item or new activity. Smarter Travel1 interviewed a freelance travel writer and editor who suggested visiting with locals in order to discover opportunities not listed in guidebooks. The trip will be filled with one-of-a-kind adventures and you will have incredible stories to share with friends and family when you return home.

1Link is a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

Disclosures:

23X Rewards: Activate to earn 3X Arvest Flex Rewards points on up to $5,000 in eligible purchases made on your Arvest Personal Credit Card between March 01, 2019 and April 30, 2019 either online by clicking the activation button in your Rewards Account, or by calling the rewards phone line at (800) 356-8085 and following the prompts.  Bonus points will only be awarded on eligible purchase from the time your bonus is activated until April 30. 2019.  You will be eligible to earn 3X rewards points when you book your purchases directly with an airline, hotel, or car rental agency.  You will not earn bonus points for airfare, hotels, or car rentals bought as part of a vacation package or through a third-party travel agent or aggregator.  Timeshares, recreation camps, vacation rentals and campgrounds are not eligible.  Arvest has no control over how retailers assign Visa codes to classify their business; if retailers do not process transactions using Visa category codes applicable to this bonus offer, you will not earn bonus points on those purchases.  Arvest reserves the right to decide which purchases qualify for bonus points. Purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler’s checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. Bonus points will be applied to your account within three billing cycles after your qualifying purchase. To be eligible for the bonus offer, the Card Account must be open and not in default as of the date the bonus points are applied. For complete details, ask an Arvest associate or go to arvest.com/rewards.

3Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers for 12 billing cycles from date of account opening. After that, the APR for purchases, and balance transfers will be based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The APR for cash advances will vary based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The transaction fee for cash advances and cash equivalent transactions is the greater of $4 or 4% of the transaction. Foreign transaction fee is 1% of each transaction in U.S. dollars. Rates apply to new accounts only and are accurate as of January 8, 2019. Subject to credit approval. Additional limitations, terms and conditions may apply.

 

4Bonus: Open a new Arvest Personal Credit Card to qualify for the one-time bonus of up to $100 after spending $500 on eligible purchases within the first (3) billing cycles of account opening. $100 bonus is awarded as 10,000 rewards points in the Arvest Flex Rewards™ program. Arvest Flex Rewards™ is a program where you can earn one point for every $1 you spend using your Arvest Credit Card. Eligible purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Limit one 10,000 points bonus per Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler’s checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. Bonus points will be applied to your account within three billing cycles after your qualifying purchase. To be eligible for the $100 bonus offer, the Card Account must be open and not in default as of the date the bonus points are applied. For complete details, ask an Arvest associate or go to arvest.com/bonus. Offer valid from January 1 through December 31, 2019.

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The views of this article are for general information use only. Please contact and speak with a subject expert or your banker when specific advice is needed.

    

Tags: Financial Education
 

CONSUMER ALERT: Mortgage Post Card Scam

Monday, March 04 at 02:00 PM
Category: Arvest News

Arvest Bank is warning customers about scammers sending post cards regarding mortgage loans. Some Arvest customers have reported that they are receiving pink or yellow cards from a Daytona Beach, Florida, bulk mailing with no return address. These cards contain a false loan number and instruct recipients to call a non-Arvest phone number immediately. If a customer calls the number, the scammers tell him or her that there was an error with a recently closed mortgage that requires refinancing.

If you receive one of these cards, please disregard it and contact us at 866-952-9523.

Please know that Arvest Bank takes your privacy seriously and would never communicate your loan information publicly this way. With the exception of the fake loan number, it is possible the information came from viewing public records once your mortgage was filed. For more information about how Arvest Bank protects your privacy, and how to report fraud, please visit https://www.arvest.com/about/privacy-and-security/.

Tags: Fraud Alert
 

Arvest Taking Requests for Consideration as Charity of the Year in N. Central Arkansas

Monday, March 04 at 06:00 AM
Category: Arvest Community News

23rd Annual charity golf tourney to benefit local nonprofits

Arvest Bank in North Central Arkansas is accepting letters of request from area non-profit organizations that would like to be considered for the 2019 Arvest Bank Charity of the Year program. The deadline for applications is Friday, April 12.

The Charity of the Year program was created to lend financial support to local non-profit organizations through the annual Arvest Bank Charity Golf Tournament that is in its 23rd year.

Every year, a selection committee of Arvest Bank associates selects up to three local charities that share 100 percent of the proceeds from the golf tournament. Non-profit organizations in Baxter, Boone and Marion Counties are encouraged to apply for consideration as a charity of the year.

“Nonprofit organizations in our area provide much-needed resources and services throughout the year and they often are faced with financial challenges,” said David McBee, executive vice president and sales manager of Arvest Bank in North Central Arkansas. “When our communities pull together to help supplement that funding, it helps ensure those services will continue for our friends and neighbors. This tournament has garnered a great deal of participation for more than two decades, and we’re hoping to continue that success again this year.”

Final selection as a charity of the year is based on past, present and future financial needs, along with other criteria. To qualify, the charity must be designated as an IRS 501(c)(3) organization and must submit a letter to the committee explaining why their organization should be selected.

Watkins said the tournament has contributed more than $201,400 to local non-profit organizations since this tournament began.

Letters of application to be considered as a 2019 Charity of the Year should be mailed to: Arvest Bank Charity Committee, Attn: Cindy Sutterfield, P.O. Box 325, Yellville, AR, 72687, or they may be emailed to csutterfield@arvest.com.

The Arvest Bank Charity Golf Tournament will take place Saturday, Aug. 24 at Big Creek Golf and Country Club in Mountain Home. Sponsorship opportunities for the event are available at all levels. Call 870-449-7150 for more information.

About Arvest
Arvest Bank, named by Forbes magazine as one of “America’s Best Large Employers” for 2018, operates more than 270 bank branches in Arkansas, Oklahoma, Missouri and Kansas through a group of 14 locally managed banks, each with its own board and management team. These banks serve customers in more than 135 communities, with extended weekday banking hours at many locations. Arvest also provides a wide range of banking services including loans, deposits, treasury management, credit cards, mortgage loans and mortgage servicing. Arvest is an Equal Housing Lender and Member FDIC.

About Arvest Wealth Management
Arvest Wealth Management offers wealth management, trust services and insurance products. Investments and Insurance Products: Not FDIC Insured, May Lose Value and Not Guaranteed by the Bank. Trust services provided by Arvest Bank.
 

Tags: North Central Arkansas, yellville
 

Arvest Hosts Retirement Reception for Bettenhausen; Morris Joins Team in Mountain Home

Monday, March 04 at 05:00 AM
Category: Arvest Community News

Arvest announced today the retirement of Arvest Wealth Management senior client advisor David Bettenhausen. Bettenhausen assisted clients in Mountain Home with investment, retirement and insurance planning. He retires after 35 years in the real estate and financial services industries.

Arvest Bank will host a community retirement reception for Bettenhausen Friday, March 29, from 1-3 p.m. at the Arvest Bank location at 2619 Hwy 62 East in Mountain Home. The public is invited to attend.

“David has been a respected and valued asset for our customers, our community and our associates in Mountain Home,” said Mike Willard, president and CEO of Arvest in North Central Arkansas. “We understand his desire to spend more time with family and he leaves us with our very best wishes. David’s clients will see no interruption of management to their accounts, as Arvest already has welcomed a successor to this role.”

Arvest has named Clint Morris as client advisor for Arvest Wealth Management in Mountain Home. Morris will be located in the Arvest branch on Hwy 62 East. He has worked for Arvest Wealth Management for three years and has eight years of experience as a financial services advisor. Morris earned a bachelor’s degree from Arkansas State University and holds his FINRA Series 7 and Series 66 licenses.

About Arvest Bank
Arvest Bank, named by Forbes magazine as one of “America’s Best Large Employers” for 2018, operates more than 270 bank branches in Arkansas, Oklahoma, Missouri and Kansas through a group of 14 locally managed banks, each with its own board and management team. These banks serve customers in more than 135 communities, with extended weekday banking hours at many locations. Arvest also provides a wide range of banking services including loans, deposits, treasury management, credit cards, mortgage loans and mortgage servicing. Arvest is an Equal Housing Lender and Member FDIC.

About Arvest Wealth Management
Arvest Wealth Management offers wealth management, trust services and insurance products. Investment products and services provided by Arvest Investments, Inc., doing business as Arvest Wealth Management, member FINRA/SIPC, an SEC registered investment adviser and a subsidiary of Arvest Bank. Insurance products are made available through Arvest Insurance, Inc., which is registered as an insurance agency. Insurance products are marketed through Arvest Insurance, Inc., but are underwritten by insurance companies. Investments and Insurance Products: Not FDIC Insured, May Lose Value and Not Guaranteed by the Bank. Trust services provided by Arvest Bank.

Tags: Associates, Harrison, North Central Arkansas
 

A Spin on Spending - Renters Insurance

Friday, March 01 at 02:00 PM
Category: Arvest News

Renters insurance is designed to cover the cost of replacing your belongings in the event of a natural disaster, theft or an accident.
Before you sign on the dotted line shop around and be sure you’re choosing the right amount of insurance for your needs from a company you trust. Spend some time and take an inventory of your possessions, this will help you determine how much coverage you should get.
 
When you’re buying renters insurance, you will need to decide whether to get an actual cash value policy, which takes into account things like depreciation and gradual wear and tear of the property, or a replacement value policy. Actual cash value policies are often cheaper, but do not offer as much bang for your buck.

Choosing a higher deductible means you’ll be paying more upfront if you need to file a claim, but your monthly premiums will be lower. If you choose a lower deductible, you’ll pay more each month – but your out-of-pocket cost will be lower during an already potentially stressful time.

If you need to file a claim, bank statements are a great way of showing proof of purchase and ownership. Even if the statement doesn’t name the item exactly, it will show amounts, dates and the companies you purchased from, backing up your claim. You can view your monthly statements quickly when you have enrolled in eStatements through Online Banking within BlueIQ™ or the Arvest Go mobile app.

 

Tags: A Spin on Spending, Arvest

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