July, 2026 Newsletter
2026 | July – Celebrating America!
What’s Inside This Month…
We care about celebrating your life journeys and Banner Capital Bank is your partner in providing the products you depend on as well as helping you protect your assets. Scroll to read below and learn more about our Corporate Commercial Checking account!
Bank Celebrations and Local Activities
July 4th – Happy 250th Independence Day America!
July 4th – Alma, NE – 4th of July Parade 10:30 am
July 4th – Guernsey, WY 4th of July Parade 10:30 am
July 3 – 4: Beaver City Celebrates with City Activities
July 13 – 18 : Beaver City – Furnas County Fair
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Why Banking With a Community Bank Matters- Part 2
Community banks exist to serve the local population. They make decisions locally, use contextual information to provide personalized financial solutions, and make time to get to know each and every customer that walks through their doors. If you and your family want to have personal service in a friendly environment that thinks of you as a neighbor, Banner Capital Bank cares about walking along side you.
Your local community bank will also be able to support you and your family with practical services, perks, and benefits, such as:
Competitive rates and minimal fees: Community banks may be able to offer exceptionally competitive rates and fees or provide more flexibility on payment schedules or similar logistics. This helps families keep more money in their pockets (or out in the local economy).
Personalized loan decisions: There are many reasons a family might want to take out a personal loan. Community banks can make the process as smooth and efficient as possible—and help guide families to the right financial products, depending on the reason for the loan.
Intuitive mobile and online banking. We get it—families today are busier than ever, and sometimes you don’t have time to stop by your local bank. Fortunately, the best community banks offer accessible banking solutions, including online and mobile banking tools, so you can handle tasks like depositing checks and managing your money from wherever you are.
You’ll find that at your local community bank, the staff will also take the time to make a connection with you. They’re more than just bank tellers or financial advisors—they’re your neighbors. They’ll remember your name and where your children go to school.
This personal feel can make accessing your banking team’s wealth of experience much easier and, in turn, make benefiting from the family-friendly services your bank offers much simpler.
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Product of the Month:
Corporate Commercial Checking
Stop by your local branch today to get started! Details below!
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Helping You Protect Your Future – Beware of These Scams
COUNTERFEIT INSTRUMENT SCAMS
Congress passed the Expedited Funds Availability Act (EFAA) in 1987 to “end excessive holds on customer deposits by depository institutions” by establishing the maximum permissible hold periods for checks and other types of deposits.
For certain “safe” instruments considered low risk for being dishonored, the law requires funds be made available the next business day. These include cashier’s and certified checks, Treasury checks, U.S. postal money orders, checks drawn on a Federal Reserve Bank or Federal Home Loan Bank, and checks issued by a state or local government. For most other check deposits, Regulation CC, the EFAA’s implementing regulation, requires funds be made available no later than the second business day following the banking day on which funds are deposited.
When the EFAA was enacted, desktop publishing was in its infancy, and tools to create high-quality counterfeit checks were expensive and not readily available.
But desktop publishing has evolved considerably since 1987. Inexpensive, off the-shelf software and hardware can now create counterfeit instruments, such as cashier’s checks or money orders, that look identical to genuine ones.
Criminals understand that many people mistakenly believe that these checks or money orders cannot be rejected once the funds have been received, so they exploit the delay between the time deposits must be made available under the EFAA and the time it takes to discover an
instrument is counterfeit. During this window of opportunity,
fraudsters can deceive victims into wiring funds from the check or money order that was deposited.
Common counterfeit instrument scams many institutions
encounter include:
Job/task scams: A consumer is told he can earn a
commission by completing different online tasks such as
rating product images. Before receiving the commission,
the consumer is told he must “charge up” his online
account by making a deposit, after which he will receive
the amount of the deposit back plus his commission.
Car wrap: A consumer is told she can earn money
by agreeing to have her car wrapped to advertise a
product such as an energy drink. The scammer sends the
consumer a counterfeit check to cover the cost of having
the car wrapped and instructions to deposit the check and
then wire the money to the company performing the car
wrap.
Mystery shopper: A consumer receives a letter stating
he has been chosen to act as a mystery shopper and
receives a cashier’s check to deposit. The consumer
is told to use a portion of the funds to purchase
merchandise at the designated stores, transfer a portion of the funds to a third party using a designated wire service company, and keep the remainder.
Online transactions: A consumer sells an item through
an online marketplace, and someone offers to buy it
using a cashier’s check (or similar instrument) for an
amount greater than the asking price. The buyer offers a
contrived explanation for the overpayment and asks the
seller to deposit the check, keep the amount of the selling
price plus an extra amount, and wire the balance back to
the buyer.
Ways to reduce being scammed:
Make payments electronically when possible and
encourage payors to send electronic payments.
Use checks with security features, write checks
in nonerasable ink, and fill out checks as fully as
possible to make it more difficult for criminals to alter
the information, known as check washing.
Take checks directly to the post office instead of
putting them in a mailbox.
Contact your bank right away if you believe your personal bank accounts have been compromised.
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As you plan your summer, rest assured we are providing helpful information to protect your assets. We’re more than your bank. We’re your partner in financial protection too.
Thank You for Banking With Us
We’re excited about the opportunities this summer brings and look forward to continuing to serve you and your community.
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Claire Snyder
has advanced through a career in commercial banking while remaining deeply connected to community impact in Wyoming. After working in several industries, Snyder entered banking in 2009 and found her focus after returning to Wyoming in 2012. Over the past decade, she has progressed through leadership roles and now serves as Senior Vice President for Banner Capital Bank, earning recognition as a Wyoming Woman of Influence.
As a first-generation college graduate, she credits UW’s advising and support for helping her build confidence and direction. “That guidance was critical to my success,” she said. Her advice: expect setbacks, stay focused on growth, and understand that meaningful progress takes time. Congratulations Claire!
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Recipe of the Month
Cowboy Marinated Skirt Steak with Corn Salad
Ingredients:
1-1/2 pounds beef Skirt Steak, cut into 4 to 6-inch pieces
1/4 cup red onion, chopped
1 (15-ounce) can corn, rinsed & drained
1 cup cherry tomatoes, cut in-half
1/3 cup Italian dressing
2 tablespoons fresh basil
2 teaspoons granulated garlic
1 teaspoon freshly ground black pepper
1 teaspoon kosher salt
Marinade:
2 tablespoons vegetable or olive oil
2 tablespoons fresh lime juice
3 tablespoons water
2 teaspoons garlic
2 teaspoons sweet paprika
1-1/2 teaspoons dried thyme leaves
1 teaspoon garlic powder
1 teaspoon onion powder
1/2 teaspoon kosher salt
1/2 teaspoon black pepper
Directions:
Combine Marinade ingredients in small bowl. Place beef Skirt Steaks & marinade in food-safe plastic bag; turn steaks to coat. Close bag securely and marinate in refrigerator 6 hours or as long as overnight, turning occasionally.
Combine tomatoes, corn, red onion, basil, garlic, Italian dressing, salt and pepper in a medium bowl; cover and refrigerate until ready to serve.
Cook’s Tip: Whole grilled corn on the cobb can be used in place of canned. Place 4 corn cobs on grid over medium, ash-covered coals. Grill, 10 to 14 minutes (over medium heat on preheated gas grill, 8 to 10 minutes) turning on all sides. Remove corn and let cool. Carefully cut corn kernels from cob and let cool.
Remove steaks from marinade; discard marinade. Place steaks on grid over medium, ash-covered coals. Grill, covered, 7 to 12 minutes (over medium heat on preheated gas grill, 8 to 12 minutes) for medium rare (145°F) to medium (160°F) doneness, turning occasionally. Carve steaks diagonally across the grain into thin slices; season with salt, as desired.
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Celebrating with our Bank Staff this month!
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Stay in Touch!
We look forward to sharing our next newsletter with you in May. Stay tuned for some great new and exciting information.
Please remember when we are closed you are able to access your accounts through the online and mobile banking. You are able to send us a message on the Contact Us portion of our website and we will get back to you during normal business hours.
Thank You for Banking With Us
We’re excited about the opportunities this year brings and look forward to continuing to serve you and your community.