The Equifax Data Breach
First Freedom’s Tips for Protecting Your Sensitive Information
Due to the recent Equifax breach 143 million Americans had their personal and financial information at risk of exposure. In order to help our customers protect themselves during this breach we have compiled several tips:
o To find out if your information has been exposed visit Equifax’s website, www.equifaxsecurity2017.com.
o Pull your credit report by visiting annualcreditreport.com. Any activity that you do not recognize may be indicative of identity theft.
o Utilize your Online Banking app to keep track of activity on your accounts. Maintaining regular review of your accounts allows you to promptly catch suspicious charges.
o Place a credit freeze or request a fraud alert with each of the four credit bureaus – Equifax, Experian, TransUnion, and Innovis. A credit freeze will not allow new credit to be opened in your name. A credit alert notifies creditors that you may be a victim of identity theft and they must take additional steps to verify anyone seeking credit in your name. Below are the contact numbers for the credit bureaus:
Equifax – 800.525.6285
Experian – 888.397.3742
TransUnion – 888.909.8872
Innovis – 800.540.2505
o If fraudulent charges appear on your account, visit a personal banker at any of our locations to file a dispute. Pending investigation, funds from the fraudulent charge may be refunded. This dispute must be filed within 60 days of the transaction.
o File your taxes as early as possible. By doing so the scammer will have less time to use your social security number.
As additional protection, First Freedom employs a company by the name of Falcon that monitors debit card transactions for suspicious activity. Falcon may call you to verify activity that is out of your normal transaction range. If they cannot reach you, they will place your card in “warm” status which will restrict the ability to use the card.
If you have further questions, please contact our Operations Department at 931.372.7999.
First Freedom Bank sponsored a hospitality tent at the annual Mt. Juliet Chamber Golf Tournament on Friday, September 15th at the Windtree Golf Course. Funds raised through this tournament benefit the Mt. Juliet Chamber of Commerce.
Kayla Holbert has been promoted to Personal Banker at the Mt. Juliet office, announced Kenny Beavers, Senior Vice President and Director of Retail Banking.
“Kayla is known for providing excellent customer service. She consistently ranks as one of our top performers for sales and service, earning the prestigious honor of Chairmen’s Cup Team member just this past quarter. We are excited to have Kayla joining our already outstanding team of Personal Bankers,” said Beavers.
Holbert has more than 12 years of customer service experience and has been with First Freedom since February of 2014. In December of 2016, Holbert was honored with First Freedom’s Red Carpet Service Award, which recognizes outstanding customer service.
Holbert is a 2005 graduate of Wilson Central High School and a 2013 graduate of the Genesis Career College. She regularly volunteers with Compassion International, an organization that provides children around the world with food, shelter, education, healthcare, and Christian training.
A native of Mt. Juliet, Holbert resides in Lebanon with her two children. She is a member of The Bridge Fellowship Church in Lebanon.
FFB recognized four employees this past quarter for exceptional job performance and exceeding their individual goals for enhancing and broadening customer relationships. Their outstanding performance earned them the prestigious honor of Chairman’s Cup Member for the quarter. Pictured above is John Lancaster, Chairman and CEO, with the Chairman Cup Team members Susan Nichols, Algood FSR Manager, Kayla Holbert, Providence FSR Manager, Dawn Kidwell, Mt. Juliet FSR Manager, and Greg Scott, Gainesboro FSR Manager and Chairman’s Cup MVP.
Greg Scott, FSR Manager at Gainesboro, received the MVP Award for achieving the highest overall performance score among all FSRs.
First Freedom sponsored a hospitality tent, hole #10, and a team at the annual Dr. Carey Harbrecht Memorial Scramble on Monday, July 18, 2017 at Five Oaks Country Club. This golf fundraiser is for the benefit of Lebanon Chamber of Commerce.
Christen Rabe, Mortgage Origination Officer, and Maliea Oakley, Senior Vice President and Director of Human Resources, attended the Wilson County Main Street Awards Breakfast on Wednesday, May 31, 2017. First Freedom Bank was a finalist in the Best Bank/Mortgage Company category.
First Freedom Bank’s long-time Personal Banker Christy Trammel has been promoted to Shareholder Services Representative, announced John Lancaster, Chairman and CEO. Trammel will continue to operate out of the company’s headquarters in Lebanon.
“Christy Trammel has had a very successful career here at First Freedom,” said Lancaster. “She understands and embraces our customer-focused standards. I am pleased to expand on her responsibilities with this promotion to Shareholder Services Representative,” he concluded.
First Freedom takes great pride in providing the highest level of quality customer service. As our Shareholder Services Representative, Trammel will be the bank’s primary contact for existing shareholders and will assist in maintaining the company’s shareholder records.
Trammel has been in banking for 22 years and has been with First Freedom Bank since its inception more than 11 years ago. In 2013, she was recognized for her outstanding service with the bank’s highest honor, the Red Carpet Service Award. Trammel is a graduate of Lebanon High School and has taken many banking and compliance classes through the Tennessee Banker’s Association and/or Volunteer State Community College.
A native and resident of Lebanon, she and her husband, Ryan, have two children. She has been actively involved in various charities in Wilson County and attends Cedar Creek Baptist Church in Lebanon.
First Freedom Bank attended the Mt. Juliet Senior Center Gala on April 1st, 2017. This event was organized as a fundraiser for the proposed new Mt. Juliet Senior Center building.
Pictured from left to right is Matt Kidwell, Dawn Kidwell, Mt. Juliet Financial Services Representative Manager, Ashley Montgomery, Mt. Juliet Personal Banker, April Jennette, Mt. Juliet Office Manager, and Robert Jennette.
First Freedom Bank donated school supplies to Sycamore Elementary’s incoming Kindergarten students on March, 24, 2017.
Pictured left to right: Donna Sloan, Kindergarten Teacher, new incoming Kindergarten students, and Ladell Medley, VP and Cookeville and Algood Office Manager.
On March 10, 2017, the Sycamore 4th graders that passed their reading requirements for the year participated in Bank Day at First Freedom Bank's Cookeville office.
Pictured above is Ladell Medley, Vice President and Cookeville Office Manager, giving a tour to the students.
John Hawkins and Phillip Vance have been promoted to Assistant Vice President at the Lebanon office, announced John Lancaster, Chairman and CEO. Hawkins will continue to serve as Portfolio Manager. Vance will continue to serve as a Relationship Manager.
As a Portfolio Manager for First Freedom, John Hawkins is responsible for managing a sizeable portfolio of loans in many different industries. He has ten years of banking experience and has been with First Freedom since February of 2014.
“John is very deserving of this promotion,” said Lancaster, “He governs a significant portfolio and manages it with a high level of accuracy and great detail. John’s many years of community banking experience gives him a great foundation for this significant role with First Freedom.”
Hawkins is a 2007 graduate of Tennessee Tech with a Bachelor’s Degree in Finance. He is a graduate of both the Southeastern School of Commercial Lending and of the Southeastern School of Advance Commercial Lending. Hawkins is also a 2016 Graduate of Leadership Wilson.
Hawkins volunteers in a number of community organizations, including Sherry’s Run, Relay for Life, and Jere’s Ride. He also serves as a board member for Fellowship of Christian Athletes (FCA).
Originally a resident of Gainesboro, Hawkins now resides in Lebanon with his wife, Kayla. They are expecting their first child in August. Hawkins is a member of College Hills Church of Christ.
Phillip Vance has been employed with First Freedom since July of 2014. As a Relationship Manager, he will continue to be responsible for managing existing customer loan and deposit portfolios, developing new customer relationships, underwriting loans for approval and originating new loans.
“We are excited about Phillip’s promotion and the role he plays in our bank and our community,” said Lancaster, “He is very intelligent, has the customer’s best interest at heart, and is creative in the way he approaches his customer’s needs. We are honored to have Phillip on the First Freedom team. “
Vance is a 2014 graduate of Tennessee Technological University with a Bachelor of Science Degree in Accounting. He has extensive involvement in the community, including participating in Habitat for Humanity Builds and serving as the Treasurer for the Little Lights Pre-School at Maple Hill Church of Christ. He is currently the Fundraising Coordinator for the First Freedom Bank 2017 United Way Campaign and is serving on the 2017 Allocation Panel for Wilson County United Way. Additionally, Vance is a member of the Lebanon Breakfast Rotary Club and is an upcoming board member.
Vance resides in his hometown of Lebanon with his wife Emily and daughter, Hazel. He is a member of Maple Hill Church of Christ.
Kaitlin Wattenbarger has been promoted to Personal Banker in the Providence office effective December 2016, announced Kenny Beavers, Senior Vice President and Director of Retail Banking.
“Kaitlin has adapted extremely well to the First Freedom system, having progressed from Customer Service Representative to Customer Service Representative Manager, and now to Personal Banker. She is a valued member of the Providence Office, having worked at this location for the past 4 years. Kaitlin provides excellent customer service and always greets her customers with a warm smile and friendly hello. We are proud to have Kaitlin as a member of the First Freedom team,” said Beavers.
Kaitlin has been employed with First Freedom since 2013, when she started as a Customer Service Representative before being promoted to Customer Service Manager in 2015. Overall Kaitlin has more than nine years of sales and customer service experience.
Wattenbarger is originally from Hermitage, where she still resides with her husband Joshua. They are members of Crosspoint Church in Nashville. Active in the community, Wattenbarger has been the First Freedom Team Manager for Wilson County Relay for Life in each of the last four years.
First Freedom Bank sponsored a table at the Lebanon Senior Citizens Valentine Banquet on Saturday, February 18th. The Valentine Banquet is the largest fundraiser of the year.
Pictured from left to right: John Scott, Kathy Scott, First Freedom Customer Service Manager Karen Elmore, Albert Cason, and Evelyn Cason.
Sarah Poss has been promoted to Personal Banker/Marketing Specialist in the Providence office effective January 2017, announced Kenny Beavers, Senior Vice President and Director of Retail Banking.
“Since joining the bank Sarah has already served our company in several capacities, most recently as CSR Manager and Training Coordinator in the Lebanon office. Sarah has a proven track record of handling additional duties in a prompt, efficient, and professional manner. She will now assume additional responsibilities for marketing and customer service. Sarah is an asset to our organization, and we are proud to have her on the First Freedom team,” said Beavers.
Sarah has been employed with First Freedom since 2015, when she started as a Customer Service Representative before being promoted to Customer Service Manager that same year. Overall, Sarah has seven years of customer service experience.
Poss received a B.S. in Anthropology, with a minor in Spanish and Latin-American studies, from Middle Tennessee State University in 2014. A native of Detroit, Michigan, Sarah has been a resident of Wilson County for fourteen years. She currently lives in Watertown with her husband Justin.
First Freedom Bank has promoted Nicole Frank to Mortgage Specialist, announced J.B. Owens, Senior Vice President and Director of Commercial Banking. In her new position she is responsible for both new mortgage processing and originating, and will be working with realtors and individuals on their home loan needs.
“Nicole has been a valuable addition to our bank and we are excited about her new opportunity with our mortgage team. She puts an emphasis on customer satisfaction and does so while working extremely well with her coworkers. We look forward to seeing her grow even more in her new position and are proud to have Nicole on our team,” said Owens.
Nicole has been with First Freedom since September of 2015. She has over 7 years of total banking experience with Wells Fargo and Quad City Bank & Trust in her home town of Andalusia, Illinois. She then worked with The Bank of Nashville after relocating to Hermitage in 2012 with her husband, Derek.
Keleigh Carnes has joined First Freedom Bank as Customer Service Representative at the bank's Mount Juliet office, announced Kenny Beavers, Senior Vice President and Director of Retail Banking.
"Keleigh is a great addition to our Mount Juliet office. She possesses excellent customer service skills and always greets the customers with a smile. We are excited to have Keleigh as a member of our First Freedom team," said Beavers.
Keleigh was born in Hendersonville and moved to Springhill, Florida, when she was a small child. She returned to Middle Tennessee when she was 17, and now resides in Mount Juliet. Keleigh is a graduate of Wilson Central and a member of United Church in Gallatin. She also volunteers her time at a nursing home in Mount Juliet.
First Freedom Bank donated to the Gainesboro 4-H Club for their Public Speaking Contest.
Pictured are First Freedom's Gregory Scott, Customer Service Manager for the Gainesboro office and Cynthia Zeits, UT Extension Agent that helps students compete in the 4-H contest.
On September 22nd Teola Ragland, Personal Banker for First Freedom's Gainesboro office, volunteered for a community baby shower hosted by the UT Extension office.
This event is put together twice a year by the UT Extension office. The UT Extension office serves the citizens of Jackson County with educational programs in the areas of Agriculture, Family and Consumer Sciences, Community Resource Development, and 4-H Youth Development. They are an outreach branch of the University of Tennessee Institute of Agriculture.
This community baby shower is open to the public and is an opportunity to talk to parents about car seat safety, crib safety and safe sleeping habits. First Freedom donated one of the door prize that was given to the families in need.
On October 27th Ladell Medley, VP and Cookeville/Algood office Manager for First Freedom Bank was a speaker at White Plains Academy Vocational Day.
Ladell spoke to about 75 students of different grades.
Main topics were banking, education requirements to get a job in the banking world, jobs and education opportunities, benefits and motivational speech to continue striving in school.
Ladell did a great job keeping the students focused and shared some of his personal work experiences, giving meaningful advice.
In honor of ten years of service in the Wilson County community, First Freedom Bank is spotlighting ten worthy community service organizations, and donating in support of their efforts. In November, First Freedom donated $1,000 in support of Big Brothers of Mt. Juliet. Big Brothers assists needy families in West Wilson County with food and basic necessities; they will have a toy store for Christmastime for families in need of gifts.
Pictured at the check presentation are (left to right) John Lancaster, Chairman and CEO of First Freedom Bank; C.J. George and Linda George, volunteers with Big Brothers; Matt Pillow, AVP and First Freedom Providence Office Manager; Debbie Carrey, Board Member for Big Brothers; and John Bradshaw, President and COO of First Freedom Bank.