Summer is coming to an end and school is almost back in session. And, with this transition comes the expenses of school supplies, new clothes for growing kids, and other items that are needed kick the school year off on the right foot.

In this edition of Between the Ts, we sit down with Kelly Rankin, TBT Customer Support Supervisor for Treasury Management to discuss her passion for budgeting and her tips for saving money during Back to School Shopping.

If you have any fun ideas for saving money on school shopping, tell us about them in the comments. We'd love to hear from you!

Recent cybercrimes and phishing attempts have taken on a higher level of sophistication that make them even harder to detect. Even some of the most tech savvy among us can fall victim to these scams, which often begin with a text message that resembles a legitimate fraud alert from a bank and end with a compromised bank account when login credentials are shared over the phone or through a fake banking website.

In this episode of Between the Ts, we sit down with TBT Bank Operations Manager Chris Graham and TBT Manager of Treasury Management services Alex Myer to discuss these current trends in fraudulent activity and share ways to recognize the scams and safe when sharing financial information with others or online.

This is one discussion you won’t want to miss.

Buying a home can be one of the most exciting experiences as young adults. But the process can also be very daunting as we navigate the fees, terminology, and paperwork that is involved in the transaction. This is where a good realtor and mortgage lender come in handy.

In this episode of Between the Ts, we sit down with long-time lenders Barbara Berry and Adam Norton from TBT Mortgage to discuss the home buying process, and how we can make sure we are financially ready to step into home ownership.

Between the Ts is a production of Texas Bank and Trust, Member FDIC and Equal Housing Lender. All TBT lending products are subject to credit approval. NMLS # 402927

Summer vacation season is right around the corner. But did you know it is possible to save a significant amount of money on vacation by doing a little pre-planning? In this episode of BETWEEN THE Ts, Kelly Rankin, Treasury Management Customer Support Supervisor for Texas Bank and Trust, shares how her family saves thousands of dollars on vacations, and how our listeners can use some simple steps to maximize their budgets, both on the go or while “stay-cationing” close to home.

One of our most important tasks as parents is to prepare our children for success in life. This includes teaching them to be smart with money.

In this episode of Between the Ts, we are joined by TBT’s Community Relations Team to discuss some fun ways to introduce money management to your children through interactive activities, exploring online resources, and through modeling a positive example for them.

This is one conversation you won’t want to miss.

Have you ever wondered how a bank makes the determination on loan applications? What factors are considered when they either approve or deny a loan? While a credit score is one of the primary items reviewed, there are times when even a good credit score may not be enough to qualify for a loan.

In this edition of Between the Ts, we sit down once again with TBT Lending Officer Zach Gilbert to discuss how loan decisions are made, as well as tips on how we can evaluate the difference between what we can qualify for and what we can actually afford.

Just when we thought the holiday season was behind us, along comes the little white envelopes reminding us just how much those precious memories cost us.

That’s right. ‘Tis the season for credit card statements. While credit cards are just one of many types of credit, they are the most common product that introduced many of us to the idea of borrowed money. Join us on this episode of Between the Ts as we sit down with Commercial Loan Officer Zach Gilbert to break down the proper uses of credit, how it works, and the potential dangers that can happen with credit is abused or mismanaged.

Have you ever made a purchase just to “fit in,” or solely for the purpose of impressing others? Whether it is new shoes, clothes, cars, or even a big pink cup, statistics show that approximately 40% of us tend to overspend to buy things we do not need just to “keep up with the Joneses.”

Join us in this episode of BETWEEN THE Ts as we tackle the myth of social status and discuss ways we can change our mindsets about money in the New Year.