Tips for Protecting Yourself While Using Apple Pay

15ApplePaySecurityWWIApple recently launched a new service called Apple Pay™, which allows users to make transactions with a simple touch on supported devices. Just as with any form of payment, it is important for Apple Pay users to keep in mind some security and privacy safeguards in order to protect yourself and your money.

According to CNN Money, identity fraud has skyrocketed in recent years. Almost every two seconds, a person’s information gets compromised. Al Sacco of CIO.com suggests keeping these tips in mind when using Apple Pay to help ensure a secure shopping experience: The highlighted link will take you off the Capitol Federal Savings Bank website. Capitol Federal Savings Bank is not responsible for the contents of the site or any further links from such site. Capitol Federal Savings Bank is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement of the linked site by Capitol Federal Savings Bank.

1. Don’t add all your cards. There is no need to add all your cards onto Apple Pay. Begin by uploading only a single card. Down the road, if an unexpected issue arises, it will be easier to locate the problem.

2. Avoid purchases you might return. Since Apple Pay is a fairly new system, some sales clerks may not be fully aware of Apple Pay’s payment process. The return and refund process can be drawn out, especially when dealing with a new device. In order to save you some time and unnecessary stress, stick to purchasing items you will not be likely to return.

3. Monitor. As always, keep a close eye on your account statements and the charges you have made through Apple Pay. Capitol Federal® customers can set up account alerts using True Blue® Online.

4. Take advantage of Apple Pay’s built-in security. Stephen Robles of appleinsider.com suggests after syncing your Apple Pay with your iCloud, you should opt-in to a two-step verification option. This process requires users to verify their identity through another one of their registered Apple devices. Read more about Apple Pay’s security and privacyThe highlighted link will take you off the Capitol Federal Savings Bank website. Capitol Federal Savings Bank is not responsible for the contents of the site or any further links from such site. Capitol Federal Savings Bank is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement of the linked site by Capitol Federal Savings Bank.

Capitol Federal customers can use Apple Pay with a True Blue® Direct Debit Card or HELOC VISA® Access Card.

Have you found some other useful tips for security when using Apple Pay? Share them here!

11 Inexpensive Ways to Boost Your Home’s Value

15IncreatingHomeValueWhether you’re planning on selling your home soon or staying put for years to come, it’s always a good idea to do periodic improvements to increase your home’s value. Luckily, sprucing up your home doesn’t have to empty the nest egg. There are a lot of small ways to boost a home’s value that can pay off when you’re ready to sell.

1. Replace the front door and/or garage doors. A first impression is always important, and it’s no different with a house.

2. Add a bedroom without tearing down any walls. Repurpose a den or other room, such as an attic space, into sleeping quarters. The more bedrooms a home has, the more value it often has. Check local codes to determine what is required to be classified as a bedroom.

3. Create an outdoor entertaining space. If building a deck is out of the budget, lay stones or bricks for a patio. Adding small touches, such as a fire pit or pergola, makes the space even more appealing.

4. Add shelves for more storage in underutilized spaces. Areas under the stairs, entryways and closets are just begging to be used for extra storage.

5. Repaint kitchen cabinets. A fresh coat of paint can make old cabinets look like new and help hide dings and scratches.

6. Install a kitchen backsplash. Adding colored tile to your cooking and prep spaces can do a lot to update the kitchen without a lot of investment.

7. Update light fixtures. Not only can new light fixtures modernize the décor and brighten up a room, they can also increase a home’s energy efficiency.

8. Replace doorknobs and drawer pulls. These small details cost just a few dollars apiece, but can go a long way in updating the look of a home. Make sure all the small hardware details, including towel racks, match.

9. Purchase new faucets. Replacing bathroom or kitchen sinks often take just a couple hours and can make a huge difference in the room.

10. Don’t ignore an unfinished basement. At first appearance, unfinished basements can seem damp and dreary, however, with a few small changes, you can have another family room or play area. Place a dehumidifier in the basement to ward off the dampness and put down some rugs to add color. Use floor lamps or string lighting to brighten up the space. If the exposed ceiling and pipes are turn offs, paint the wood a dark shade of gray to detract eyes from it.

11. Spruce up the yard. Many people overlook cutting back trees and trimming bushes when improving a home’s appearance. Plant a few flowers around the borders of the house to add welcoming pops of color.

Do you have other ideas for budget-friendly ways to increase your home’s value? Share them here!

Have You Checked Your Insurance Coverage Lately?

15InsuranceCoverageInsurance. The word alone is enough to put most people into a deep sleep. Because reviewing your current insurance coverage isn’t your idea of a fun Saturday night, you may be missing out on saving money in premiums or worse yet – you might be missing coverage that you’d need in the event of a claims situation. Capitol Agency, the Insurance Arm of Capitol Federal®, has some helpful tips for you to remember when reviewing the coverage you have, the questions you should ask your current carrier, and when it’s time to shop around.  The highlighted link will take you off the Capitol Federal Savings Bank website. Capitol Federal Savings Bank is not responsible for the contents of the site or any further links from such site. Capitol Federal Savings Bank is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement of the linked site by Capitol Federal Savings Bank.

How often should I review my insurance coverage?

A good rule of thumb for a thorough review of your policies is once a year – ideally a month or so before your renewal date. Keep an eye on such items as changes in coverages, deductibles and premiums, and don’t be afraid to ask specific questions about these changes.

Besides my annual review, are there other times I should visit my agent to review my policies?

There are certain life events that should trigger you to review your current coverage. Below are a few examples:

      • Marriage or divorce
      • A child or grandchild who is born or adopted
      • Significant changes in your health or that of your spouse/domestic partner
      • Taking on the financial responsibility of an aging parent
      • Purchasing a new home, auto or valuable item
      • A loved one who requires long-term care
      • Refinancing your home
      • Coming into an inheritance

Making your agent aware of these major events will trigger important conversations about your coverages and help safeguard against any surprises in a claims situation.

My home/auto policy just went up $100, and I haven’t done anything to deserve it!

Sometimes when we open our renewal bills, we discover an increase that’s not triggered by any of the usual suspects: claims, tickets, accidents, the addition of a teen driver, etc. Insurance companies take rate increases as they incur losses in certain areas – Kansas and Missouri, for example, have a high wind and hail loss history – this can drive up premiums for everyone, regardless of whether or not you’ve had this type of claim. This is when having an independent insurance agent comes in handy. They are able to shop your coverage with multiple companies, so you don’t have to find a brand new person with whom to trust your most valuable assets.

Have any additional questions? Contact Capitol Agency at 1-800-222-7312, and ask to speak with a representative, or email capitolagency@capfed.comThe highlighted link will take you off the Capitol Federal Savings Bank website. Capitol Federal Savings Bank is not responsible for the contents of the site or any further links from such site. Capitol Federal Savings Bank is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement of the linked site by Capitol Federal Savings Bank.