Business View Magazine | Volume 8, Issue 10

154 BUSINESS VIEW MAGAZINE VOLUME 8, ISSUE 10 did pre-COVID.” Customers using online and mobile banking have access to enhanced security features through the bank’s SecurLOCK app. The free application sends a notification to a customer’s phone or smart watch every time there is a charge made on their debit card. “It helps with a lot of the fraud because if someone is using their card online to buy things in California, they’re going to know and they’re going to see the notification or the ping,” says Lisa Carl, The Bank of Romney’s Senior Vice President and COO. In addition to the free security app, Customers are treated to perks through the bank’s ScoreCard Rewards program when they use their Bank of Romney debit cards. For every $2 a customer spends, they receive $1 in points. “The good thing is the customers will go to a gas station or Walgreens or CVS and when they use their card they might be prompted to save $10 on their gas at that time,” Young explains. “It’s an unexpected surprise for a lot of them because they don’t realize it’s there until they use their card. And we don’t limit those points like some financial institutions do. As much as you put on your card is how many points you earn.” More than just their perks, The Bank of Romney’s dedication to meeting the credit needs of its customers is what sets the institution apart from other banks. Every four to five years banks are examined by the Federal Regulators and assigned a rating based on the Community Reinvestment Act. The Bank of Romney has maintained an “Outstanding” rating for more than 30 years. “Only 10 to 12 percent of banks in the country get that rating and very few have that rating over the last 30 years,” Young says. “So we can be proud of that. They look into things like our community involvement, the lending that we have in our community, how we service lower income individuals, and just our immediate