What To Do If Your Tax Refund Check Isn’t Delivered

 

According to the Internal Revenue Service (IRS), millions of dollars in tax refunds go undelivered or unclaimed each year. If you believe your tax refund has gone astray, there are steps you can take to track it down.

To help you in your search Victory State Bank, the only community-based commercial bank on Staten Island, is sharing the following information from the IRS:

 

UNDELIVERED FEDERAL TAX REFUND CHECKS

Refund checks are mailed to your last known address. If you move without notifying the IRS or the U.S. Postal Service (USPS), your refund check may be returned to the IRS.

If you were expecting a federal tax refund and did not receive it, check the IRS' Where’s My Refund page. You'll need to enter your Social Security number, filing status, and the exact whole dollar amount of your refund. You may be prompted to change your address online. 

You can also call the IRS to check on the status of your refund. Wait times to speak with a representative can be long. But you can avoid the wait by using the automated phone system. Follow the message prompts when you call.

If you move, submit a Change of Address - Form 8822 (PDF, Download Adobe Reader) to the IRS; you should also submit a Change of Address to the USPS.

UNCLAIMED FEDERAL TAX REFUNDS 

If you are eligible for a federal tax refund and do not file a return, then your refund will go unclaimed. Even if you aren't required to file a return, it might benefit you to file if:

§  Federal taxes were withheld from your pay

and/or

§  You qualify for the Earned Income Tax Credit (EITC)

If you didn't file a tax return because your wages were below the filing requirement, you can still file a return within three years of the filing deadline in order to get your refund. 

STATE REFUND CHECKS

For information about your state tax refund check, contact your state revenue department.

 

 

 

ABOUT VICTORY STATE BANK

VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at www.VictoryStateBank.com.

Media Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

 

 

3 Red Flags of a Banking Scam

 

When it comes to fooling consumers, criminals commonly use tactics that trick victims into thinking they are dealing with their own bank.

To help protect you from fraud, Victory State Bank, the only community-based commercial bank on Staten Island, is sharing these common signs of banking scams from the U.S. General Services Administration’s “Consumer Action Handbook”:

 

§  Scammers create fake versions of your mobile banking app, to gain access to your account.

§  Text messages that claim to be from your bank that require you to verify your bank account number or PIN.

      §  Requests for you to deposit a check into your account, as part of a fake lottery or sweepstakes. 

 

TAKE STEPS TO PROTECT YOURSELF:

§  Download the bank’s app directly from a link on their website to be sure it’s the real version.

 

§  Don’t reply to requests, by email or phone, to verify your bank account.

 

§  Don’t deposit checks from people you don’t know.

 

FOR MORE INFORMATION OR TO FILE A COMPLAINT, CONTACT:

§  Your bank or credit union’s fraud department.

 

§  The Federal Trade Commission.

 

 

 

ABOUT VICTORY STATE BANK

VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at www.VictoryStateBank.com.

Media Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

 

 

4 Ways to React to Potential ‘Spoofing’

 

Victory State Bank is highlighting a consumer-awareness article from the Federal Communications Commission explaining the threat of “spoofing.”

As explained by the FCC:  Spoofing occurs when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity.

Spoofing is often used as part of an attempt to trick someone into giving away valuable personal information so it can be used in fraudulent activity or sold illegally. U.S. law and FCC rules prohibit most types of spoofing.

Caller ID lets consumers avoid unwanted phone calls by displaying caller names and phone numbers, but the caller ID feature is sometimes manipulated by spoofers who masquerade as representatives of banks, creditors, insurance companies, or even the government.

What you can do if you think you're being spoofed

You may not be able to tell right away if an incoming call is spoofed. Be careful about responding to any request for personal identifying information.

§  Never give out personal information such as account numbers, Social Security numbers, mother's maiden names, passwords or other identifying information in response to unexpected calls or if you are at all suspicious. 

 

§  If you get an inquiry from someone who says they represent a company or a government agency seeking personal information, hang up and call the phone number on your account statement, in the phone book or on the company's or government agency's website to verify the authenticity of the request.

  • Use caution if you are being pressured for information immediately.
  • If you have a voice mail account with your phone service, be sure to set a password for it. Some voicemail services are preset to allow access if you call in from your own phone number. A hacker could spoof your home phone number and gain access to your voice mail if you do not set a password.

To learn more about spoofing, visit the FCC at https://www.fcc.gov/consumers/guides/spoofing-and-caller-id

 

 

ABOUT VICTORY STATE BANK

VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at www.VictoryStateBank.com.

Media Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

6 Tips for Spring Cleaning Your Finances

 

 

​STATEN ISLAND, N.Y. – As you spring clean your home, remember to also spring clean your financial house, advises Victory State Bank.

Staten Island’s only community-based business bank is sharing the American Bankers Association’s (ABA) initiative of encouraging consumers to add financial organization to their spring cleaning to-do list. To help, Victory State Bank is highlighting these six ABA tips for organizing your financial house:

 

  §  Review your budget. A lot can change in a year. If you’ve been promoted, had a child, or become a new homeowner or renter, be sure to update your budget. Determine what expenses demand the most money and identify areas where you can realistically cut back. Develop a strategy for spending and saving – and stick to it.

 

§  Evaluate and pay down debt. Take a look at how much you owe and what you are paying in interest. Begin paying off existing debt, whether that’s by chipping away at loans with the highest interest rates or eliminating smaller debt first.

 

§  Set up automatic bill pay. By signing up for automatic bill pay, you’ll never have to worry about a missed payment impacting your credit score. You can set it so that money is withdrawn from your checking account on the same day each month.

 

§  Sign up for e-statements, paperless billing and text alerts. Converting to paperless billing will help keep your house — physical and financial — more clean and organized, and will help protect you from fraud.

 

§  Check your credit report. Every year, you are guaranteed one free credit report from each of the three credit bureaus. Take advantage of these free reports and check them for any possible errors. Mistakes can drag down your score and prevent you from getting a loan, or cause you to pay a higher than necessary interest rate.

 

      §  Manage your money on the go. Utilize your bank's mobile app to check your balance, pay your bills, transfer funds, deposit a check and send money to friends from wherever you are.

 

 

ABOUT VICTORY STATE BANK

VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at www.VictoryStateBank.com.

Media Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

Beware of One-Ring Phone Call Scam

 

 

If your phone rings once and the caller disconnects, think twice before calling the number back, warns Victory State Bank. The only community-based business bank on Staten Island is citing a long-standing alert from the New York State Department of State’s Division of Consumer Protection about a consumer scam in which the victim receives a phone call from an unfamiliar number.

In the scenario, the caller hangs up after one ring and it’s up to the victim to decide whether to call the number back.

There may be unexpected phone bill charges if the consumer returns the call. As soon as the call is connected, the victim is charged several fees – a fee to establish the call, a fee charged for each minute the victim remains on the line, and any international long-distance fees that may apply.

The New York State Division of Consumer Protection warns consumers to be wary of phone calls from unfamiliar telephone numbers. To prevent falling victim to this type of scam, please take note of the following tips:  

§  If you do not recognize a number, simply don’t call back. By returning the call, you are verifying that your number is “live” and can expect similar calls in the future.

 

§  If you are unsure, perform an online search to find out where the call is coming from, and whether or not others have received suspicious calls from the same number.

 

      §  If you notice suspicious charges on your phone bill, contact your carrier. You may be able to reverse the charges.

For more information regarding scam prevention and mitigation, please contact the New York Department of State, Division of Consumer Protection at 518-474-8583.

 

 

ABOUT VICTORY STATE BANK

VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at www.VictoryStateBank.com.

Media Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.