Victory State Bank Points to Helpful Shopping Tips

Victory State Bank Points to Helpful Shopping Tips

With back to school shopping quickly approaching for elementary and college students alike, Victory State Bank knows the appeal of a good sale. These tips from the Federal Trade Commission will help you have a happy and cost-effective shopping experience.

  • Shop around. A “sale” price isn’t always the “best” price. Some merchants may offer a sale price on an item for a limited time; others may discount the price on the same item everyday. Having an item’s manufacturer, model number, and other identifying information can help you get the best price for the item you want.
  • Read sale ads carefully. Some may say “quantities limited,” “no rain checks,” or “not available at all stores.” Before you step out the door, call ahead to make sure the merchant has the item in stock. If you’re shopping for a popular or hard-to-find item, ask the merchant if he’d be willing to hold the item until you can get to the store.
  • Take time and travel costs into consideration. If an item is on sale, but its way across town, how much are you really saving once you factor in your time, your transportation, and parking?
  • Look for price-matching policies. Some merchants will match, or even beat, a competitor’s prices — at least for a limited time. Read the merchant's pricing policy. It may not apply to all items.
  • Go online. Check out websites that compare prices for items offered online. Some sites also may compare prices offered at stores in your area. If you decide to buy online, keep shipping costs and delivery time in mind.
  • Calculate bargain offers that are based on purchases of additional merchandise. For example, “buy one, get one free,” “free gift with purchase,” or “free shipping with minimum purchase” may sound enticing. If you don’t really want or need the item, it’s not a deal.
  • Ask about sale adjustments. If you buy an item at regular price and it goes on sale the next week, can you get a credit or refund for the discounted amount? What documentation will you need?
  • Ask about refund and return policies for sale items. Merchants often have different refund and return policies for sale items, especially clearance merchandise.

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: 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: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online

Media Inquiries:

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.