AmeriServ Presents: Bank Chats

Comment via Text MessageOn this episode of Bank Chats, Drew and Jeff sit down with Roxann Tyger, director of the Women’s Help Center and Community Help Center in Johnstown, Pennsylvania, to talk about what homelessness really looks like and why it can start with a small financial shock. They discuss how shelters triage needs, what barriers keep people stuck, and how services like transitional housing and financial literacy help people rebuild independence. We'd love for you to subscribe to the channel, but likes, shares, and comments also help us reach a larger audience, and we appreciate everyone.Resources:Women's Help CenterCommunity Help Center211.orgCredits:An AmeriServ Financial, Inc. ProductionMusic by SchneckMindHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageOn this episode of 2 Cents, Drew and Jeff dig into what really happens after you win money, trips, or prizes on a game show and why the celebration can come with a tax bill. We break down the hidden costs that don’t make it on camera, from 1099s to travel expenses to the risk of walking away with less than you think.Please check out our full library of episodes, which can be found on the ameriserv.com website.You can also download or stream the podcast from your favorite podcast app.Credits:An AmeriServ Financial, Inc. ProductionMusic by SchneckMindHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageOn this episode of Bank Chats, our guest, Matt Noel, walks us through a Christmas pipe burst that dumped 12,000 gallons through a house and turned a finished move-in home into a six-month rebuild. We talk candidly about what a homeowner's insurance claim really demands from you, what gets reimbursed, and why good coverage and good people matter when everything is soaked.If you haven't yet subscribed, please consider doing so. But perhaps even more importantly, consider sharing our episodes with people you know who could benefit from the content.Credits:An AmeriServ Financial, Inc. ProductionMusic by SchneckMindHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageOn this episode of 2 Cents, Drew and Jeff break down Trump accounts in plain language and explain how the $1,000 federal seed works, what happens at age 18, and why taxes matter when the money comes out. They also compare them to 529 plans and show how even small monthly contributions can compound into meaningful retirement savings over decades. Please check out our full library of episodes which can be found on the Ameriserv.com website.Resources:trumpaccounts.govCredits:An AmeriServ Financial, Inc. ProductionMusic by SchneckMindHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageOn this episode of Bank Chats, Drew and Jeff talk with Tim Walters, Senior Vice President and Director of Perpetual Care Services, about the money, contracts, and real-world choices behind funeral planning, including why so many families feel lost when decisions happen fast. We also push past the discomfort and spell out how a clear plan can reduce grief-driven stress while protecting your loved ones from surprise costs. Please like and subscribe to our show so that you never miss an episode.Resources:Funeral RuleCredits:An AmeriServ Financial, Inc. ProductionMusic by SchneckMindHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageGold’s glow is hard to ignore when prices hover near highs. In this episode of 2 Cents, Drew and Jeff pull back the curtain on how gold prices are set, how to buy gold, and some other fun gold factoids surrounding the Olympics and St. Patrick's Day.If you enjoy this episode, follow the show, share it with a friend, and leave a quick review to help others find us. Got a question? Drop us a comment.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageDan Barefoot was 1 of the nearly 3,000 athletes who competed in the 2026 Milano Cortina Winter Olympics. His journey, like many others', came at a cost. From sponsorships to crowdfunding, U.S. Olympic athletes raise capital for their training, travels, and more, to compete in the pinnacle of competitions. This episode "Bare"s a revisit.Subscribe, share this with a friend who loves the Winter Games, and leave a comment telling us: should the US better fund its Olympians?Resources:projectpushtogoldfund.orgBarefoot on IceCredits:An AmeriServ Financial, Inc. ProductionMusic by SchneckMindHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLove stories rarely start with prepaid gift cards. As more relationships begin online, romance scams are rising fast, turning loneliness and hope into a con that empties bank accounts. We pull back the curtain on how scammers build quick emotional ties, test boundaries with small requests, and escalate to bigger asks through carefully scripted messages and believable cover stories.Don't forget to tap follow, hit like, and leave a quick review so others can find it. Tell us what topic you want next—we’re listening.Resources:IC3More Information on Romance/Dating ScamsCredits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageHoliday magic fades; the bill does not. On this episode of Bank Chats, we dig into credit cards—where they shine for fraud protection, travel, and big-ticket purchases—and where they can bite you, with interest, fees, and credit score dings.Don't forget to follow the show, share it with a friend, and leave a quick review. What should we unpack next?Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageThe calendar flipped to 2026, but those holiday charges didn’t disappear. We unpack how financial stress shows up in your body—lost sleep, headaches, tight chest—and why naming the exact trigger is the fastest way to shrink fear and regain control. From rent and utilities to weddings, new babies, and college bills, we map the common pressure points and show how a simple plan can help steady your mind.You’re not alone—many people feel this squeeze after the holidays. Share this with a friend who needs a plan today, and tap follow so you don’t miss our upcoming deep dive on how credit cards really work. If this helped, subscribe, leave a quick review, and tell us the one step you’re taking this week.Resources:211.orgOnline Financial LibraryCredits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageCounterfeit cash feels like a throwback crime until it hits your register or wallet. Though you may never encounter a counterfeit bill, the amount in circulation would probably shock you. We unpack which bill is the prime target, how counterfeit networks operate, and what actually happens when a fake sneaks into everyday transactions.Don't forget to share the episode with a friend who handles cash, subscribe for more clear-eyed money talk, and leave a review with your best counterfeit-detection tip. Your support helps more listeners stay safe this season.Resources:Practice Safe Checks ameriserv.com/fraudCredits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageHoliday spending doesn’t have to wreck your January. We take a clear, no-jargon look at the 50/30/20 budgeting framework and show how to make it work when life gets messy, prices rise, and traditions add extra costs. From right-sizing housing to rethinking commutes, we map out practical ways to protect the essentials while still enjoying the season.Be sure to follow the show, share it with a friend who needs a budget reset, and leave a quick review to help others find us.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageIn this episode of Bank Chats, Drew and Jeff unpack why the Mint stopped producing pennies, what the proposed Common Cents Act would change, and how rounding cash transactions actually works. We weigh business losses, consumer fairness, and lessons from Canada while sharing practical steps for shoppers and banks.Be sure to drop us a comment, we’d love to know what you think about the penny going away.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageSide hustles promise freedom and extra cash, but the real story lives in the details: taxes, time, wear and tear, and the quiet risk of burnout. From delivery apps and service work to rentals, flips, and reselling, we unpack what “profit” looks like after you count everything that doesn’t show up in the app’s payout screen.Throughout, we come back to one test: calculate your true hourly earnings after taxes, expenses, and energy. Pick gigs that build skills, fit your schedule, and carry fewer hidden costs. If you’ve been weighing a side hustle—or wondering why your current one feels like a treadmill—this conversation gives you the tools to weight your own pros and cons. If this helped, follow the show, share it with a friend who’s hustling, and leave a review with your best side‑gig tip.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageFear sells, but it rarely informs. We wanted a grounded take on AI: what it actually does today, where it goes wrong, and how banks and consumers can use it without getting burned. With guest John Valkovci of Saint Francis, we unpack generative AI’s strengths, the reality of hallucinations, and why data quality and model choice matter more than hype. No sci-fi doomsday, just candid mechanics and practical guardrails.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageThink playing solitaire can pay the rent? We take a look at the booming world of “get-paid-to-play” mobile apps—reward platforms, “skill-based” tournaments, and lottery-style games—and ask the only question that matters: how much can you actually earn? Drew and Jeff share firsthand experiences; unpack how early milestones hook you with small wins; and explain why minimum cashouts, token expirations, and transfer fees quietly shrink your payout.Be sure to follow the show, share it with a friend, and leave a quick review so others can find it.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageMoney surrounds us every day, but how often do we stop to consider what it actually is? From the salt-based currencies of Ancient Rome to the digital cryptocurrencies of today, the concept of value has undergone remarkable transformations throughout human history.We dive deep into the foundations of modern monetary systems, exploring how virtually all global currencies now operate as "fiat money" - valuable only because governments declare them so. Before 1971, American dollars were backed by gold reserves, allowing anyone to theoretically exchange their paper money for precious metal. When President Nixon severed this connection, it fundamentally altered how we perceive and use money, pushing many to seek value in tangible assets like real estate.The consequences of purely government-backed currency can be devastating when trust collapses. In post-WWI Germany, hyperinflation reached such extremes that people spent wheelbarrows of cash to buy simple groceries, with one US dollar worth an astounding 4.2 trillion German marks. This historical context helps explain why Bitcoin's finite supply of 21 million coins appeals to those seeking alternatives to potentially unlimited government-issued currency.But does cryptocurrency represent a return to a gold standard-like system, or is it something entirely different? We examine both perspectives, weighing Bitcoin's scarcity against its intangibility during crises like power outages, when physical gold would retain value while digital assets become inaccessible.Whether you're curious about financial history, contemplating cryptocurrency investment, or simply want to understand the money in your wallet better, this episode offers clear, practical insights into what truly gives currency its value. Subscribe for more thought-provoking discussions that help demystify the complex world of finance and empower you to make more informed decisions with your money.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageThink you're too tech-savvy to fall for a scam? Think again. Young adults between 20-29 are now losing money to fraud more frequently than seniors—a startling reversal of what many assume about scam victims. As students flood back to campuses nationwide, they're walking into a minefield of sophisticated schemes designed specifically to exploit their unique vulnerabilities.In this eye-opening episode of 2 Cents, we dive deep into the alarming world of student-targeted scams. From fake housing listings that leave incoming freshmen homeless (and broke) to employment scams stealing identities from job-hunting students, the threats are both diverse and devastating. We explore how oversharing on social media creates perfect reconnaissance for scammers, why that too-good-to-be-true apartment near campus probably doesn't exist, and how public WiFi networks can become hunting grounds for digital predators "sniffing your packets."The conversation covers particularly insidious threats like scholarship scams that steal both dreams and data, aggressive credit card marketing that saddles students with "the most expensive free t-shirt ever," and blackmail attempts that can derail promising careers before they begin. Most disturbing is the recent FTC shutdown of a student loan relief scam that extracted over $23 million from already debt-burdened graduates. Through practical examples and actionable advice, we equip students (and those who care about them) with the knowledge to recognize and avoid these financial pitfalls.Whether you're a student heading to campus, a parent sending your child to college, or an educator working with young adults, this episode provides essential information for navigating the complex landscape of financial security in academic environments. Share this episode with the students in your life—knowledge remains the most powerful defense against those looking to exploit youthful inexperience.Resources:Back-to-School Cybersecurity: K-12 Credits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageA true example of win-win. The Employee Real Estate Construction Trust (ERECT) Funds have been helping finance commercial real estate projects for over 3 decades.On this episode of Bank Chats, Drew and Jeff sit down with Senior Vice President and Director of Specialty Real Estate, Justin Maser, to talk about this pool of funds, as well as how the development of even one commercial real estate building can have a ripple effect on the surrounding area.Resources:The ERECT FundsCredits:An AmeriServ Financial, Inc. Production Music by SchneckMindHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageIt's that time of year again, back-to-school shopping is in full swing. Many parents dig deep in their pockets to purchase school supplies, new outfits, and the latest tech gadgets for their child(ren).On this episode of 2 Cents, Drew and Jeff chat about various tips and tricks they found for back-to-school shopping that could save you time, headaches, and money.Resources:HoneyCollege Budget Breakdown (Article)View in stock products across websites - nowinstock.netView product price trends - camelcamelcamel.comCredits:An AmeriServ Financial, Inc. Production Music by SchneckMind, powered by SunoHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageOn this episode of Bank Chats, Drew and Jeff welcome back John Valkovci from Saint Francis University to chat about the evolution and current state of cryptocurrency. John fills us in on new policies/regulations surrounding digital assets, as well as the concept of tokenized bank deposits.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMind, powered by SunoHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageHave you ever really looked at a dollar bill? Not to see if a previous owner doodled something in the corner, or if there are too many creases for a vending machine to accept it.On this episode of 2 Cents, Drew and Jeff chat about the plethora of symbolism that can be found on US currency. Did you know those fine lines in the corners of a dollar bill serve a purpose? Do you know where that bill was printed? Or that George Washington wasn't always on the front of the dollar bill? Check out this episode to unlock the history and mystery of the money in your wallet.Credits:An AmeriServ Financial, Inc. Production Music by SchneckMind, powered by SunoHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageCompeting in the Olympics is a dream many athletes strive to reach, but at what cost? On this episode of Bank Chats, Drew and Jeff sit down with Team USA Skeleton slider, Dan Barefoot, to chat about the sport, his journey, and what it takes physically, mentally, and financially, to pursue a dream in the sport of Skeleton. Dan's story is one you want to hear!Resources:projectpushtogoldfund.orgBarefoot on IceCredits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageThe summer travel season is upon us, so Drew and Jeff decided to share some tips and tricks to hopefully help you save some money on vacation, and keep the money you do bring with you safe.Resources:Timely Tips - Vacation and Travel SecurityAmeriServ BankCredits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageMay is Internal Audit Awareness Month, and to celebrate, we invited our Chief Auditor, Laura Fiore, to the podcast to chat about the audit profession. Laura dives into the key differences between internal and external auditors, and maps out how the role of internal auditors spans the entirety of a company. How can an internal audit department benefit your company? Find out in this episode!Resources:The Institute of Internal AuditorsFFIECCredits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageA topic of discussion in recent news, tariffs, specifically import tariffs, may affect your spending habits in the not too distant future.On this episode of 2 Cents, Drew and Jeff talk tariffs. Why are tariffs put into place? Who pays these taxes, and how do they affect consumers? Find the answer to these questions and more in this episode.AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageApril is an exciting month in finance. Not only is April Financial Literacy Month, but April 7th-11th is America Saves Week, AND April 24, 2025 is Teach Children to Save Day! On this episode of Bank Chats, Drew and Jeff chat with Kerri Mueller and Randy McLaughlin on the topic of savings, and how to make saving money fun and easy for children of all ages.Resources:Financial LibraryTeaching Kids FinancesCredits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageThere are different categories of value. Goods and services that you pay for have a value, but so do your family photos. Sure, Drew may not place value on Jeff's family portrait, but there is sentimental value to Jeff. On this episode of 2 Cents, Drew and Jeff chat about monetary value, and how the value of certain goods and services have changed over the decades.AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageOur Saint Francis friends are back once again, this time to chat about a technology that has quite the buzz surrounding it. Artificial Intelligence (AI) has many practical applications but can be detrimental if used improperly. What exactly is AI? Can we trust this technology? How could AI benefit the financial industry? Learn the answers to these questions and more on this episode of Bank Chats.Credits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageWhen it comes time to upgrade your vehicle, do you buy or lease? On this episode of 2 Cents, Drew and Jeff discuss the pros and cons of each option. Would you rather have the latest and greatest model, or the freedom to drive as many miles as you'd like? Would you rather have lower monthly payments, or potentially build equity? Check out this great debate!AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageExcellent customer service is the backbone of many businesses. On this episode of Bank Chats, Drew and Jeff talk with Amie Stevens, the Retail Training Director at AmeriServ, about customer service in the financial industry. What makes a good bank teller? How do banks and other businesses alike balance customer satisfaction with business needs? How do you keep customer service staff motivated and up to date on the latest trends? Learn the answer to these questions and many more on this informative episode!Credits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageYou've reached the end of your 15 or 30 year mortgage, and you are about to have your home fully paid off. Now what? On this episode of 2 Cents, Drew and Jeff chat about what happens after your last payment.AmeriServ's Website:https://www.ameriserv.com/Additional ResourcesFinancial Library - HousingCredits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageMany of us dream of a day when the numbers on the piece of paper we hold in our hands match the numbers on the TV screen. What would you do if you won the lottery, and your life changed overnight? The lottery industry in the US is massive, but is it a sound financial plan or investment? Drew and Jeff chat about everything jackpot in this episode of Bank Chats.Credits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageWhen we hear the words, financial institution, we generally think about banks and credit unions. Even though the podcast is called "Bank" Chats, Drew and Jeff thought it was only fair to chat about our cousin, the credit union, on this episode. Will Drew change Jeff's perception of credit unions? Check out the latest episode to find out!AmeriServ's Website:https://www.ameriserv.com/Additional Resources:FDICNCUACredits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageTo end the year, Drew and Jeff decided to answer Google's top three searched who, what, where, when, why, and how questions about banks. We at AmeriServ would like to thank everyone who has listened to one or more episodes this year. We have had over 2,000 downloads so far, and that number keeps climbing thanks to you.Episodes Referenced:2 Cents Episode 10: A Tennis Titan's Banking Blunder2 Cents Episode 6: Understanding FDIC InsuranceBank Chats Episode 1: Residential MortgagesBank Chats Episode 3: Consumer LendingBank Chats Episode 12: Interest Rates 101Bank Chats Episode 16: The Gatekeepers of Our Digital WorldCredits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew Thomas and Jeff MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteIt seems like Jeff enjoys putting Drew on the spot recently. On this episode, Drew is tested once again, but this time, on his financial literacy. Take the quiz alongside Drew, let us know if you are smarter than a banker.AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteOn this episode of Bank Chats, William McKendree, Director of the Pennsylvania Healthcare Benefit Solutions Program, talks all things Medicare, from its origins, to who qualifies for the benefits, and how to obtain Medicare benefits. He explains Part A, Part B, Medigaps, and much more. If you or a loved one are approaching the Medicare eligibility age, this is an episode you won't want to miss.Pennsylvania Healthcare Benefit Solutions Programhttps://www.youtube.com/@pahealthcarebenefitsolutionsCredits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteThis episode totally sleighs!Halloween is over, which means the holiday retail season is upon us. In this episode of 2 Cents, Drew and Jeff chat about small businesses, brick-and-mortar stores vs online eCommerce, and marketing during this time of year.AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteThey’re back! October is National Cybersecurity Awareness Month, so, we invited our friends from Saint Francis University, Kevin Slonka and Mike Zambotti, to chat about careers in Information Security. With technology ever evolving, and the digital world growing exponentially, the need for Information Security experts is also rising at an incredible rate. Join us to learn what it takes to protect our digital world, in this episode of Bank Chats.Credits:An AmeriServ Financial, Inc. ProductionMusic by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasMore Episodes: https://www.ameriserv.com/bankchats/episodesSaint Francis University: https://www.francis.edu/Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteBread, guap, and loud budgeting, are just a few “new age” financial terms. In this 2 Cents episode, Drew and Jeff have some fun, and get schooled on current financial lingo, as well as some old school financial slang from generations ago. How many terms did you know?AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteA new school year is underway for most college students, and for those students, a new year comes with tuition, books, lodging, food, and other miscellaneous bills. On this episode of AmeriServ Presents: Bank Chats, Drew chats with author, talk-radio host, and Ramsey Personality, George Kamel, on the topic of finances and education. How can parents start saving for the college future(s) for their child(ren)? How can you, the current or future college student, graduate with little to no debt? Learn the answers to these questions and many more in this episode!Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasBreaking Free From Broke: https://ter.li/dc0ji9George's Channel: https://www.youtube.com/@GeorgeKamelGeorge's Ramsey Page: https://www.ramseysolutions.com/george-kamelMore Episodes: https://www.ameriserv.com/bankchats/episodesThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteHave you ever bent down to pick up a lucky penny from the sidewalk? When was the last time you left or took a penny from that cup on the counter at your local gas station? On this episode of 2 Cents, Drew and Jeff chat about the one cent piece, more commonly referred to as the penny. Should the penny continue to be minted in the U.S. or should we drop our one cent piece like many other countries have already done?AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteLearning how to budget, or what causes your credit score to increase or decrease, or even just the process of applying for a credit card, all fall under the category of financial literacy. Are we ever truly financially literate? How would you measure it? On this episode of Bank Chats, Drew and Jeff chat with Emma King from Banzai, a company with a mission to share financial literacy, on the topic.Financial LibraryWellness Assessment CoachMore EpisodesCredits:An AmeriServ Financial, Inc. Production Music by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteIf you had a million dollar check, what would you do with it? Coast into the drive-thru at your bank to deposit it? That's what a top tennis player attempted to do a few years ago. Why could attempting this be problematic? You'll have to listen to find out! AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteBack by popular demand, Kevin Slonka and Michael Zambotti from Saint Francis University, continue their cyber-centric chat with Drew on this episode of Bank Chats. In this episode, the trio discuss tech topics such as cloud-based technologies, VPNs, and users’ rights in terms of privacy. Want to learn what a Wi-Fi pineapple is? Check out this episode and find out!AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteSo, everything is too expensive these days and you want to save some money? We have you covered. On this episode of 2 Cents, Drew and Jeff run through a list of tips and tricks that could help keep more of your money in your pocket. AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteIn these "interest"ing times that we are living in, interest rates play a major role in our day-to-day lives. In this episode, Drew chats with Jeff Stopko, president & CEO of AmeriServ Financial, Inc., on the topic. Who sets interest rates? What is considered when interest rates are set? What is the difference between an interest rate and an APY? What do interest rates affect? Learn the answers to these questions and more in this information-packed episode!AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsitePhrases such as "for just 4 easy payments of $19.99" were used to persuade us to purchase that gadget over the phone a decade ago. Today, with online shopping popularity on the rise, this tactic has taken new form, with companies such as Affirm, offering customers buy now, pay later (BNPL) options on various products.In this podcast episode, Drew and Jeff offer up their 2 Cents on this new wave of online payments. How do these services work? What are the benefits and drawbacks of BNPL? Who uses these services? Learn the answer to these questions and more in this episode of 2 Cents!AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteIn this episode, Drew chats once again with David O'Leary, Vice President of Residential Lending at AmeriServ Financial Bank, about home equity lines of credit (HELOC). What is a HELOC? What are the benefits of a HELOC over other credit lines such as credit cards? What can I do with a HELOC? Drew and Dave cover these questions and more!AmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake, Millo, and Andrey KalitkinHosted by Drew ThomasThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Comment via Text MessageLeave a Comment on Our WebsiteEven though they may look the same, credit cards and debit cards act completely different from one another. Drew and Jeff chat about those key differences, so you know what form of plastic payment may work best for you. Is Drew team credit or debit? What about Jeff? Find out in this episode of 2 Cents.Related Materials:https://www.ameriserv.com/resources/learn/financial-library/topics/borrowing-and-creditAmeriServ's Website:https://www.ameriserv.com/Credits:An AmeriServ Financial, Inc. Production Music by Rattlesnake and MilloHosted by Drew Thomas and Jeffrey MatevishThanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.DISCLAIMERThis podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated.