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Wells Fargo

American multinational banking and financial services company

For other uses, see Wells Fargo (disambiguation).

Wells Fargo Logo (2020).png

Company logo since 2019

Wellsfargohq.jpg

Wells Fargo's corporate headquarters complex in San Francisco, California

TypePublic

Traded as

ISINUS9497461015
Industry
Predecessors
Founded1929 (92 years ago) (1929) in Minneapolis, U.S. (as Northwest Bancorporation)
1983 (as Norwest Corporation)
1998 (as Wells Fargo & Company)
Founders (Wells Fargo Bank)
HeadquartersSan Francisco, California, U.S. (corporate);
New York, NY (operational)[1]

Number of locations

Area served

Worldwide

Key people

ProductsAsset management, banking, commodities, credit cards, equities trading, insurance, investment management, mortgage loans, mutual funds, private equity, risk management, wealth management
RevenueDecrease US$72.34 billion (2020)

Operating income

Decrease US$581 million (2020)

Net income

Decrease US$3.30 billion (2020)
Total assetsIncrease US$1.955 trillion (2020)
Total equityDecrease US$185.9 billion (2020)

Number of employees

268,531 (2020)
Subsidiaries
Websitewellsfargo.com
Footnotes / references
[3]
American Express Co. early receipts (1853, 1869)
Stagecoach with Christmas gifts Wells Fargo Bank San Francisco
Wells Fargo & Co. Express building circa 1860, Stockton, California
Wells Fargo & Co. $2 stamp and 10 cents stamped envelope with Pony Express cancellation, carried from San Franciscoto New York Cityin 12 days, during June 1861.

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan,[4] and managerial offices throughout the United States and internationally.[3] The company has operations in 35 countries with over 70 million customers globally.[3] It is considered a systemically important financial institution by the Financial Stability Board.

The firm's primary subsidiary is Wells Fargo Bank, N.A., a national bank chartered in Wilmington, Delaware[3] which designates its main office in Sioux Falls, South Dakota. It is the fourth largest bank in the United States by total assets and is one of the largest as ranked by bank deposits and market capitalization. Along with JPMorgan Chase, Bank of America, and Citigroup, Wells Fargo is one of the "Big Four Banks" of the United States.[5] It has 8,050 branches and 13,000 ATMs.[3] It is one of the most valuable bank brands.[6][7]

Wells Fargo in its present form is a result of a merger between the original Wells Fargo & Company and Minneapolis-based Norwest Corporation in 1998. While Norwest was the nominal survivor, the merged company took the better-known Wells Fargo name and moved to Wells Fargo's hub in San Francisco, while its banking subsidiary merged with Wells Fargo's Sioux Falls-based banking subsidiary. With the 2008 acquisition of Charlotte-based Wachovia, Wells Fargo became a coast-to-coast bank. Wells Fargo is ranked 7th on the Forbes Global 2000 list of largest public companies in the world and ranked 37th on the Fortune 500 list of the largest companies in the US.[3][8] The company has been the subject of several investigations by regulators. On February 2, 2018, due to the Wells Fargo account fraud scandal, the Federal Reserve barred Wells Fargo from growing its nearly $2 trillion-asset base any further until the company fixes its internal problems to the satisfaction of the Federal Reserve.[9] In September 2021, Wells Fargo incurred further fines from the United States Justice Department charging fraudulent behavior by the bank against foreign-exchange currency trading customers.[10]

History[edit]

For history before 1998, see Wells Fargo (1852–1998). For history after 1998, see History of Wells Fargo.

A late 19th century Wells Fargo Bank in Apache Junction, Arizona
1879 Wells Fargo stagecoach

In 1852, Henry Wells and William G. Fargo, the two founders of American Express, formed Wells Fargo & Company to provide express and banking services to California, which was growing rapidly due to the California Gold Rush.

In March 1860, Wells Fargo gained control Butterfield Overland Mail Company, after Congress failed to pass the annual post office appropriation bill, thereby leaving the post office with no way to pay for the Overland Mail Company's services, and leaving Overland no way to pay Wells Fargo. Wells Fargo then operated the western portion of the Pony Express.[11]

Wells, Fargo & Co. 1868 display advertisement from The Salt Lake Daily Telegraph(Utah Territory)

In 1866, the "Grand consolidation" united Wells Fargo, Holladay, and Overland Mail stage lines under the Wells Fargo name.[12]

In 1872, Lloyd Tevis, a friend of the Central Pacific "Big Four" and holder of rights to operate an express service over the Transcontinental Railroad, became president of the company after acquiring a large stake, a position he held until 1892.[13]

In 1892, John J. Valentine, Sr., a long time Wells Fargo employee, was made president of the company. Valentine died in late December 1901 and was succeeded as president by Dudley Evans on January 2, 1902.

In 1905, Wells Fargo separated its banking and express operations; Wells Fargo's bank merged with the Nevada National Bank to form the Wells Fargo Nevada National Bank.[14]

In 1918, as a wartime measure, the United States government nationalized Wells Fargo's express franchise into a federal agency known as the US Railway Express Agency (REA). The federal government took control of the express company.[15] The bank began rebuilding but with a focus on commercial markets. After the war, the REA was privatized and continued service until 1975.

In 1923, Wells Fargo Nevada merged with the Union Trust Company to form the Wells Fargo Bank & Union Trust Company.[16]

In 1929, Northwest Bancorporation was formed as a banking association.

The company did well during the Great Depression; during a Bank Holiday in March 1933, the company actually gained $2 million of deposits.[17]

In 1954, Wells Fargo & Union Trust shortened its name to Wells Fargo Bank.

In 1960, Wells Fargo merged with American Trust Company to form the Wells Fargo Bank American Trust Company.[18]

In 1962, Wells Fargo American Trust shortened its name to Wells Fargo Bank.

In 1968, Wells Fargo was converted to a federal banking charter, becoming Wells Fargo Bank, N.A. Wells Fargo merges with Henry Trione's Sonoma Mortgage in a $10.8 million stock transfer, making Trione the largest shareholder in Wells Fargo until Warren Buffett and Walter Annenberg surpassed him.[19]

In 1969, Wells Fargo & Company holding company was formed, with Wells Fargo Bank as its main subsidiary.[20]

In 1982, Northwest Bancorporation acquired consumer finance firm Dial Finance, which was renamed Norwest Financial Service the following year.[21]

In 1983, Northwest Bancorporation was renamed Norwest Corporation.

In September 1983, a Wells Fargo armored truck depot in West Hartford, Connecticut was the victim of the White Eagle robbery, involving an insider who worked as an armored truck guard, in the largest US bank theft to date, with $7.1 million stolen and two co-workers tied up. The robbery was carried out with the support of the government of Cuba and the cash was initially moved to Mexico City.[22][23]

In 1986, Wells Fargo acquired Crocker National Bank from Midland Bank.[24][25]

In 1987, Wells Fargo acquired the personal trust business of Bank of America.[26]

In 1988, Wells Fargo acquired Barclays Bank of California from Barclays plc.[27]

In 1991, Wells Fargo acquired 130 branches in California from Great American Bank for $491 million.[28]

In May 1995, Wells Fargo became the first major US financial services firm to offer internet banking.[29]

In 1996, Wells Fargo acquired First Interstate Bancorp for $11.6 billion.[30] Integration went poorly as many executives left.[31][32]

In 1998, Wells Fargo Bank was acquired by Norwest Corporation of Minneapolis, with the combined company assuming the Wells Fargo name.[33][34]

In 2000, Wells Fargo Bank acquired National Bank of Alaska.[35] It also acquired First Security Corporation.

In 2001, Wells Fargo acquired H.D. Vest Financial Services for $128 million, but sold it in 2015 for $580 million.[36]

In June 2007, John Stumpf was named chief executive officer of the company and Richard Kovacevich remained as chairman.[37]

In 2007, Wells Fargo acquired Greater Bay Bancorp, which had $7.4 billion in assets, in a $1.5 billion transaction.[38][39][40][41] It also acquired Placer Sierra Bank.[42] It also acquired CIT Group's construction unit.[43][44]

In 2008, Wells Fargo acquired United Bancorporation of Wyoming.[45]

In 2008, Wells Fargo acquired Century Bancshares of Texas.[46]

On October 3, 2008, after Wachovia turned down an inferior offer from Citigroup, Wachovia agreed to be bought by Wells Fargo for about $14.8 billion in stock.[47] On October 4, 2008, a New York state judge issued a temporary injunction blocking the transaction from going forward while the competing offer from Citigroup was sorted out.[48] Citigroup alleged that it had an exclusivity agreement with Wachovia that barred Wachovia from negotiating with other potential buyers. The injunction was overturned late in the evening on October 5, 2008, by New York state appeals court.[49] Citigroup and Wells Fargo then entered into negotiations brokered by the FDIC to reach an amicable solution to the impasse. Those negotiations failed. Citigroup was unwilling to take on more risk than the $42 billion that would have been the cap under the previous FDIC-backed deal (with the FDIC incurring all losses over $42 billion). Citigroup did not block the merger, but sought damages of $60 billion for breach of an alleged exclusivity agreement with Wachovia.[50]

On October 28, 2008, Wells Fargo received $25 billion of funds via the Emergency Economic Stabilization Act in the form of a preferred stock purchase by the United States Department of the Treasury.[51][52] As a result of requirements of the government stress tests, the company raised $8.6 billion in capital in May 2009.[53] On December 23, 2009, Wells Fargo redeemed $25 billion of preferred stock issued to the United States Department of the Treasury. As part of the redemption of the preferred stock, Wells Fargo also paid accrued dividends of $131.9 million, bringing the total dividends paid to $1.441 billion since the preferred stock was issued in October 2008.[54]

In April 2009, Wells Fargo acquired North Coast Surety Insurance Services.[55]

In 2011, the company hired 25 investment bankers from Citadel LLC.[56][57][58]

In April 2012, Wells Fargo acquired Merlin Securities.[59][60] In December 2012, it was rebranded as Wells Fargo Prime Services.[61]

In December 2012, Wells Fargo acquired a 35% stake in The Rock Creek Group LP. The stake was increased to 65% in 2014 but sold back to management in July 2018.[62]

In 2015, Wells Fargo Rail acquired GE Capital Rail Services and merged in with First Union Rail.[63] In late 2015, Wells Fargo acquired three GE units focused on business loans equipment financing.[64]

In March 2017, Wells Fargo announced a plan to offer smartphone-based transactions with mobile wallets including Wells Fargo Wallet, Android Pay and Samsung Pay.[65]

In June 2018, Wells Fargo sold all 52 of its physical bank branch locations in Indiana, Michigan, and Ohio to Flagstar Bank.[66][67][68]

In September 2018, Wells Fargo announced it would cut 26,450 jobs by 2020 to reduce costs by $4 billion.[69][70]

In March 2019, CEO Tim Sloan resigned amidst the Wells Fargo account fraud scandal and former general counsel C. Allen Parker became interim CEO.[71]

In July 2019, Principal Financial Group acquired the company's Institutional Retirement & Trust business.[72]

On September 27, 2019, Charles Scharf was announced as the firm's new CEO.[73]

In 2020, the company sold its student loan portfolio.[74][75]

In May 2021, the company sold its Canadian Direct Equipment Finance business to Toronto-Dominion Bank.[76]

In 2021, the company sold its asset management division, Wells Fargo Asset Management (WFAM) to private equity firms GTCR and Reverence Capital Partners for $2.1 billion.[77] WFAM had $603 billion in assets under management as of December 31, 2020,[78][79] of which 33% was invested in money market funds.[80] WFAM was rebranded as Allspring Global Investments.[81][82]

Environmental record[edit]

In 2009, Wells Fargo ranked 1st among banks and insurance companies, and 13th overall, in Newsweek Magazine's inaugural "Green Rankings" of the country's 500 largest companies.[83]

In 2013, the company was recognized by the EPA Center for Corporate Climate Leadership as a Climate Leadership Award winner, in the category "Excellence in Greenhouse Gas Management (Goal Setting Certificate)"; this recognition was for the company's aim to reduce its absolute greenhouse gas emissions from its US operations by 35% by 2020 versus 2008 levels.[84]

In 2017, Wells Fargo ranked 182nd out of 500 in Newsweek Magazine's "Green Rankings" of the largest US companies;[85]

Newsweek's 2020 listing of "America's Most Responsible Companies" did not include Wells Fargo.[86]

Wells Fargo has provided more than $10 billion in financing for environmentally beneficial business opportunities, including supporting commercial-scale solar photovoltaic projects and utility-scale wind projects nationwide.[87]

In 2010, Wells Fargo launched what it believes to be the first blog among its industry peers to report on its environmental stewardship and to solicit feedback and ideas from its stakeholders.[88]

Wells Fargo History Museum[edit]

The company operates the Wells Fargo History Museum at 420 Montgomery Street, San Francisco. Displays include original stagecoaches, photographs, gold nuggets and mining artifacts, the Pony Express, telegraph equipment, and historic bank artifacts. The museum also has a gift shop.[89] In January 2015, armed robbers in an SUV smashed through the museum's glass doors and stole gold nuggets.[90][91][92][93] The company previously operated other museums but those have since closed.[94]

Operations and services[edit]

Map of Wells Fargo branches in August 2015

Consumer Banking and Lending[edit]

The Consumer Banking and Lending segment includes Regional Banking, Diversified Products, and Consumer Deposits groups, as well as Wells Fargo Customer Connection (formerly Wells Fargo Phone Bank, Wachovia Direct Access, the National Business Banking Center, and Credit Card Customer Service). Wells Fargo also has around 2,000 stand-alone mortgage branches throughout the country. There are also mini-branches located inside of other buildings, which are almost exclusively grocery stores, that usually contain ATMs, basic bank teller services, and an office for private meetings with customers.[3]

Consumer lending[edit]

Wells Fargo Home Mortgage is the second largest retail mortgage originator in the United States, originating one out of every four home loans.[95] Wells Fargo services $1.8 trillion in home mortgages, the one of the largest servicing portfolios in the US.[3]

Equipment lending[edit]

Wells Fargo has various divisions, including Wells Fargo Rail, that finance and lease equipment to different types of companies.[3]

Wealth and Investment Management[edit]

Wells Fargo Advisors headquarters in St. Louis, Missouri

Wells Fargo offers investment products through its subsidiaries, Wells Fargo Investments, LLC, and Wells Fargo Advisors, LLC, as well as through national broker/dealer firms. The company also serves high-net-worth individuals through its private bank and family wealth group.

Wells Fargo Advisors is the brokerage subsidiary of Wells Fargo, located in St. Louis, Missouri. It is the third-largest brokerage firm in the United States as of the third quarter of 2010 with $1.1 trillion retail client assets under management.[3]

Wells Fargo Advisors was known as Wachovia Securities until May 1, 2009, when it was renamed following Wells Fargo's acquisition of Wachovia Corporation.

Securities[edit]

The Seagram Building: Home of Wells Fargo Securities' New York offices and trading floors

Wells Fargo Securities (WFS) is the investment banking division of Wells Fargo & Co. headquartered in Charlotte, with other U.S. offices in New York, Minneapolis, Boston, Houston, San Francisco, and Los Angeles and with international offices in London, Hong Kong, Singapore, and Tokyo.

Wells Fargo Securities was established in 2009 after the acquisition of Wachovia Securities. It provides merger and acquisition, high yield, leveraged finance, equity underwriting, private placement, loan syndication, risk management, and public finance services

Cross-selling[edit]

A key part of Wells Fargo's business strategy is cross-selling, the practice of encouraging existing customers to buy additional banking services.[98][99] Customers inquiring about their checking account balance may be pitched mortgage deals and mortgage holders may be pitched credit card offers in an attempt to increase the customer's profitability to the bank.[100][101] Other banks have attempted to emulate Wells Fargo's cross-selling practices (described by The Wall Street Journal as a hard sell technique).[100]

International operations[edit]

Wells Fargo has banking services throughout the world, with overseas offices in Hong Kong, London, Dubai, Singapore, Tokyo, and Toronto.[102][103] Back-offices are in India and the Philippines with more than 20,000 staff.[104]

In 2010, hedge fund administrator Citco purchased the trust company operation of Wells Fargo in the Cayman Islands.[105]

Charter[edit]

Wells Fargo operates under Charter #1, the first national bank charter issued in the United States. This charter was issued to First National Bank of Philadelphia on June 20, 1863, by the Office of the Comptroller of the Currency.[106] Traditionally, acquiring banks assume the earliest issued charter number. Thus, the first charter passed from First National Bank of Philadelphia to Wells Fargo through its 2008 acquisition of Wachovia, which had inherited it through one of its many acquisitions.

Lawsuits, fines and controversies[edit]

1981 MAPS Wells Fargo embezzlement scandal[edit]

In 1981, it was discovered that a Wells Fargo assistant operations officer, Lloyd Benjamin "Ben" Lewis, had perpetrated one of the largest embezzlements in history, through its Beverly Drive branch. During 1978 - 1981, Lewis had successfully written phony debit and credit receipts to benefit boxing promoters Harold J. Smith (né Ross Eugene Fields) and Sam "Sammie" Marshall, chairman and president, respectively, of Muhammed Ali Professional Sports, Inc. (MAPS), of which Lewis was also listed as a director; Marshall, too, was a former employee of the same Wells Fargo branch as Lewis. In excess of $300,000 was paid to Lewis, who pled guilty to embezzlement and conspiracy charges in 1981, and testified against his co-conspirators for a reduced five-year sentence.[107] (Boxer Muhammed Ali had received a fee for the use of his name, and had no other involvement with the organization.[108])

Higher costs charged to African-American and Hispanic borrowers[edit]

Illinois Attorney General Lisa Madigan filed suit against Wells Fargo on July 31, 2009, alleging that the bank steers African Americans and Hispanics into high-cost subprime loans. A Wells Fargo spokesman responded that "The policies, systems, and controls we have in place – including in Illinois – ensure race is not a factor..."[109] An affidavit filed in the case stated that loan officers had referred to black mortgage-seekers as "mud people," and the subprime loans as "ghetto loans."[110] According to Beth Jacobson, a loan officer at Wells Fargo interviewed for a report in The New York Times, "We just went right after them. Wells Fargo mortgage had an emerging-markets unit that specifically targeted black churches because it figured church leaders had a lot of influence and could convince congregants to take out subprime loans." The report presented data from the city of Baltimore, where more than half the properties subject to foreclosure on a Wells Fargo loan from 2005 to 2008 now stand vacant. And 71 percent of those are in predominantly black neighborhoods.[110] Wells Fargo agreed to pay $125 million to subprime borrowers and $50 million in direct down payment assistance in certain areas, for a total of $175 million.[111][112][113]

Failure to monitor suspected money laundering[edit]

In a March 2010 agreement with US federal prosecutors, Wells Fargo acknowledged that between 2004 and 2007 Wachovia had failed to monitor and report suspected money laundering by narcotics traffickers, including the cash used to buy four planes that shipped a total of 22 tons of cocaine into Mexico.[114]

Overdraft fees[edit]

In August 2010, Wells Fargo was fined by United States district court judge William Alsup for overdraft practices designed to "gouge" consumers and "profiteer" at their expense, and for misleading consumers about how the bank processed transactions and assessed overdraft fees.[115][116]

Settlement and fines regarding mortgage servicing practices[edit]

On February 9, 2012, it was announced that the five largest mortgage servicers (Ally Financial, Bank of America, Citigroup, JPMorgan Chase, and Wells Fargo) agreed to a settlement with the US Federal Government and 49 states.[117] The settlement, known as the National Mortgage Settlement (NMS), required the servicers to provide about $26 billion in relief to distressed homeowners and in direct payments to the federal and state governments. This settlement amount makes the NMS the second largest civil settlement in U.S. history, only trailing the Tobacco Master Settlement Agreement.[118] The five banks were also required to comply with 305 new mortgage servicing standards. Oklahoma held out and agreed to settle with the banks separately.[119]

On April 5, 2012, a federal judge ordered Wells Fargo to pay $3.1 million in punitive damages over a single loan, one of the largest fines for a bank ever for mortgaging service misconduct, after the bank improperly charged Michael Jones, a New Orleans homeowner, with $24,000 in mortgage fees, after the bank misallocated payments to interest instead of principal. Elizabeth Magner, a federal bankruptcy judge in the Eastern District of Louisiana, cited the bank's behavior as "highly reprehensible", stating that Wells Fargo has taken advantage of borrowers who rely on the bank's accurate calculations.[120][121] The award was affirmed on appeal in 2013.[122]

In May 2013, New York attorney-general Eric Schneiderman announced a lawsuit against Wells Fargo over alleged violations of the national mortgage settlement. Schneidermann claimed Wells Fargo had violated rules over giving fair and timely serving.[123] In 2015, a judge sided with Wells Fargo.[124]

SEC fine due to inadequate risk disclosures[edit]

On August 14, 2012, Wells Fargo agreed to pay around $6.5 million to settle U.S. Securities and Exchange Commission (SEC) charges that in 2007 it sold risky mortgage-backed securities without fully realizing their dangers.[125]

Lawsuit by FHA over loan underwriting[edit]

In 2016, Wells Fargo agreed to pay $1.2 billion to settle allegations that the company violated the False Claims Act by underwriting over 100,000 Federal Housing Administration (FHA) backed loans when over half of the applicants did not qualify for the program.[126][127]

In October 2012, Wells Fargo was sued by United States AttorneyPreet Bharara over questionable mortgage deals.[128]

Lawsuit due to premium inflation on forced place insurance[edit]

In April 2013, Wells Fargo settled a suit with 24,000 Florida homeowners alongside insurer QBE Insurance, in which Wells Fargo was accused of inflating premiums on forced-place insurance.[129]

Lawsuit regarding excessive overdraft fees[edit]

In May 2013, Wells Fargo paid $203 million to settle class-action litigation accusing the bank of imposing excessive overdraft fees on checking-account customers.[130]

Violation of New York credit card laws[edit]

In February 2015, Wells Fargo agreed to pay $4 million, including a $2 million penalty and $2 million in restitution for illegally taking an interest in the homes of borrowers in exchange for opening credit card accounts for the homeowners.[131]

Tax liability and lobbying[edit]

In December 2011, Public Campaign criticized Wells Fargo for spending $11 million on lobbying during 2008–2010, while increasing executive pay and laying off workers, while having no federal tax liability due to losses from the Great Recession.[132] However, in 2013, the company paid $9.1 billion in income taxes.[133]

Prison industry investment[edit]

Main article: Prison–industrial complex

The company has invested its clients' funds in GEO Group, a multi-national provider of for-profit private prisons.[134] By March 2012, its stake had grown to more than 4.4 million shares worth $86.7 million.[135] As of November 2012, Wells Fargo divested 33% of its holdings of GEO's stock, reducing its stake to 4.98% of Geo Group's common stock, below the threshold of which it must disclose further transactions.[136][137]

Discrimination against African Americans in hiring[edit]

In August 2020, the company agreed to pay $7.8 million in back wages for allegedly discriminating against 34,193 African Americans in hiring for tellers, personal bankers, customer sales and service representatives, and administrative support positions. The company agreed to provide jobs to 580 of the affected applicants.[138]

[edit]

In May 2015, Gregory T. Bolan Jr., a stock analyst at Wells Fargo agreed to pay $75,000 to the U.S. Securities and Exchange Commission to settle allegations that he gave Joseph C. Ruggieri, a stock trader, insider information on probable ratings charges. Ruggieri was not convicted of any crime.[139][140][141]

Wells Fargo fake accounts scandal[edit]

Main article: Wells Fargo account fraud scandal

In September 2016, Wells Fargo was issued a combined total of $185 million in fines for opening over 1.5 million checking and savings accounts and 500,000 credit cards on behalf of customers without their consent. The Consumer Financial Protection Bureau issued $100 million in fines, the largest in the agency's five-year history, along with $50 million in fines from the City and County of Los Angeles, and $35 million in fines from the Office of Comptroller of the Currency.[142] The scandal was caused by an incentive-compensation program for employees to create new accounts. It led to the firing of nearly 5,300 employees and $5 million being set aside for customer refunds on fees for accounts the customers never wanted.[143]Carrie Tolstedt, who headed the department, retired in July 2016 and received $124.6 million in stock, options, and restricted Wells Fargo shares as a retirement package.[144][145]

On October 12, 2016, John Stumpf, the then chairman and CEO, announced that he would be retiring amidst the scandals. President and Chief Operating Officer Timothy J. Sloan succeeded Stumpf, effective immediately. Following the scandal, applications for credit cards and checking accounts at the bank plummeted.[146] In response to the event, the Better Business Bureau dropped accreditation of the bank.[147][148] Several states and cities ended business relations with the company.[149]

An investigation by the Wells Fargo board of directors, the report of which was released in April 2017, primarily blamed Stumpf, who it said had not responded to evidence of wrongdoing in the consumer services division, and Tolstedt, who was said to have knowingly set impossible sales goals and refused to respond when subordinates disagreed with them. Wells Fargo coined the phrase, “Go for Gr-Eight” – or, in other words, aim to sell at least 8 products to every customer. The board chose to use a clawback clause in the retirement contracts of Stumpf and Tolstedt to recover $75 million worth of cash and stock from the former executives.[150]

In February 2020, the company agreed to pay $3 billion to settle claims by the United States Department of Justice and the Securities and Exchange Commission. The settlement did not prevent individual employees from being targets of future litigation.[151] The Federal Reserve put a limit to Wells Fargo's assets, as a result of the scandal. In 2020, Wells Fargo sold $100 million in assets to stay under the limit.[152]

Racketeering lawsuit for mortgage appraisal overcharges[edit]

In November 2016, Wells Fargo agreed to pay $50 million to settle allegations of overcharging hundreds of thousands of homeowners for appraisals ordered after they defaulted on their mortgage loans. While banks are allowed to charge homeowners for such appraisals, Wells Fargo frequently charged homeowners $95 to $125 on appraisals for which the bank had been charged $50 or less. The plaintiffs had sought triple damages under the U.S. Racketeer Influenced and Corrupt Organizations Act on grounds that sending invoices and statements with fraudulently concealed fees constituted mail and wire fraud sufficient to allege racketeering.[153]

Financing of Dakota Access Pipeline[edit]

Wells Fargo is a lender on the Dakota Access Pipeline, a 1,172-mile-long (1,886 km) underground oil pipeline transport system in North Dakota. The pipeline has been controversial regarding its potential impact on the environment.[154]

In February 2017, the city councils of Seattle, Washington and Davis, California voted to move $3 billion of deposits from the bank due to its financing of the Dakota Access Pipeline as well as the Wells Fargo account fraud scandal.[155]

Failure to comply with document security requirements[edit]

In December 2016, the Financial Industry Regulatory Authority fined Wells Fargo $5.5 million for failing to store electronic documents in a "write once, read many" format, which makes it impossible to alter or destroy records after they are written.[156]

Doing business with the gun industry and NRA[edit]

From December 2012 through February 2018, Wells Fargo reportedly helped two of the biggest firearms and ammunition companies obtain $431.1 million in loans. It also handled banking for the National Rifle Association and provided bank accounts and a $28-million line of credit.[157] In 2020, the company said that it is winding down its business with the National Rifle Association.[158]

Discrimination against female workers[edit]

Further information: Glass ceiling

In June 2018, about a dozen female Wells Fargo executives from the wealth management division met in Scottsdale, Arizona to discuss the minimal presence of women occupying senior roles within the company. The meeting, dubbed "the meeting of 12", represented the majority of the regional managing directors, of which 12 out of 45 were women.[159] Wells Fargo had previously been investigating reports of gender bias in the division in the months leading up to the meeting.[160] The women reported that they had been turned down for top jobs despite their qualifications, and instead the roles were occupied by men.[160] There were also complaints against company president Jay Welker, who is also the head of the Wells Fargo wealth management division, due to his sexist statements regarding female employees. The female workers claimed that he called them "girls" and said that they "should be at home taking care of their children."[160][161]

Overselling auto insurance[edit]

On June 10, 2019, Wells Fargo agreed to pay $385 million to settle a lawsuit accusing it of allegedly scamming millions of auto-loan customers into buying insurance they did not need from National General Insurance.[162][163]

Failure to Supervise Registered Representatives[edit]

On August 28, 2020, Wells Fargo agreed to pay a fine of $350,000 as well as $10 million in restitution payments to certain customers after the Financial Industry Regulatory Authority accused the company of failing to reasonably supervise two of its registered representatives that recommended that customers invest a high percentage of their assets in high-risk energy securities in 2014 and 2015.[164]

Steering customers to more expensive retirement accounts[edit]

In April 2018, the United States Department of Labor launched a probe into whether Wells Fargo was pushing its customers into more expensive retirement plans as well as into retirement funds managed by Wells Fargo itself.[165][166]

Alteration of documents[edit]

In May 2018, the company discovered that its business banking group had improperly altered documents about business clients in 2017 and early 2018.[167]

Executive compensation[edit]

With CEO John Stumpf paid 473 times more than the median employee, Wells Fargo ranked number 33 among the S&P 500 companies for CEO—employee pay inequality. In October 2014, a Wells Fargo employee earning $15 per hour emailed the CEO—copying 200,000 other employees—asking that all employees be given a $10,000 per year raise taken from a portion of annual corporate profits to address wage stagnation and income inequality. After being contacted by the media, Wells Fargo responded that all employees receive "market competitive" pay and benefits significantly above US federal minimums.[168][169]

Pursuant to Section 953(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, publicly traded companies are required to disclose (1) the median total annual compensation of all employees other than the CEO and (2) the ratio of the CEO's annual total compensation to that of the median employee.[170]

[edit]

Wells Fargo & Company reported Total CO2e emissions (Direct + Indirect) for the twelve months ending 31 December 2020 at 776 Kt (-87 /-10.1% y-o-y).[171] There has been a consistent declining trend in reported emissions since 2015.

In popular culture[edit]

Wells Fargo stagecoaches are mentioned in the song "The Deadwood Stage (Whip-Crack-Away!)" in the 1953 film Calamity Jane performed by Doris Day: "With a fancy cargo, care of Wells and Fargo, Illinois - Boy!".[177]

See also[edit]

References[edit]

  1. ^Wack, Kevin (February 26, 2020). "How New York became Wells Fargo's new center of power". American Banker.
  2. ^Eisen, Ben; Kellaher, Colin (August 10, 2021). "Wells Fargo's Black Takes Over as Chairman From Noski". The Wall Street Journal.
  3. ^ abcdefghij"Wells Fargo & Company Annual Report 2020"(PDF). wellsfargo.com. Wells Fargo.
  4. ^Wack, Kevin (February 26, 2020). "How New York became Wells Fargo's new center of power". American Banker.
  5. ^"FRB: Large Commercial Banks".
  6. ^Gray, Melinda (February 7, 2014). "Wells Fargo Tops List of World's Most Valuable Bank Brands". Chicago Agent.
  7. ^"The Top 500 Banking Brands, 2014". The Banker. February 3, 2014.
  8. ^"Fortune 500: Wells Fargo". Fortune.
  9. ^Flitter, Emily; Appelbaum, Binyamin; Cowley, Stacy (February 2, 2018). "Federal Reserve Shackles Wells Fargo After Fraud Scandal". The New York Times.
  10. ^Hugh Son (September 27, 2021). "Wells Fargo pays $37 million to resolve Justice Department claims it defrauded currency customers". CNBC. Retrieved September 27, 2021.
  11. ^"Butterfield Overland Mail". California State Parks.
  12. ^"William George Fargo". Encyclopædia Britannica.
  13. ^Engstrand, Iris. "Wells Fargo: California's Pioneer Bank"(PDF). San Diego History.
  14. ^"Enlisting the stagecoach during WWI". Wells Fargo. June 29, 2018.
  15. ^"Wells and Fargo start shipping and banking company". History.com.
  16. ^"A SALUTE TO THE SOCIETY'S CORPORATE PATRONS: WELLS FARGO BANK, N.A." Southern California Quarterly. 1984.
  17. ^"Surviving and thriving in the Great Depression". Wells Fargo. March 13, 2019.
  18. ^"Wells Fargo, American Trust Merge as the 11th Biggest Bank". The New York Times. March 26, 1960.
  19. ^Kovner, Guy (February 12, 2015). "Santa Rosa power broker, philanthropist Henry Trione dies at 94". The Press Democrat.
  20. ^"Wells Fargo Bank Is Given Holding Company Approval". The New York Times. January 31, 1969.
  21. ^Johnson, Patt (August 1, 2017). "Business icon who helped bring Wells Fargo to Des Moines dies at 87". The Des Moines Register.
  22. ^MAHONY, EDMUND H. (February 29, 2008). "NOT GUILTY PLEA IN 1983 ARMED ROBBERY". Hartford Courant.
  23. ^Madden, Richard L. (December 11, 1983). "WELLS FARGO THEFT, 3 MONTHS LATER: ONLY TANTALIZING LEADS TO $7 MILLION". The New York Times.
  24. ^Pollack, Andrew (May 31, 1986). "CROCKER ABSORBED INTO WELLS FARGO". The New York Times.
  25. ^Gruber, William (February 8, 1986). "WELLS FARGO BUYS CROCKER". Chicago Tribune.
  26. ^"Wells Fargo & Company 1987 Annual Report"(PDF).
  27. ^Lawrence M. Fisher (January 16, 1988). "Wells Fargo to Buy Barclays in California". The New York Times.
  28. ^"Regulators seize Great American Bank". United Press International. August 9, 1991.
  29. ^"Wow! Two decades of banking online". Wells Fargo. May 18, 2015.
  30. ^Hansell, Saul (January 25, 1996). "Wells Fargo Wins Battle for First Interstate". The New York Times.
  31. ^Baker, David R. (December 19, 2004). "When hostile takeovers backfire". San Francisco Chronicle.
  32. ^Svaldi, Aldo (June 12, 1998). "Wells Fargo learned hard way about deals". American City Business Journals.
  33. ^"Wells Fargo, Norwest pair". CNN. June 8, 1998.
  34. ^O'Brien, Timothy L. (June 9, 1998). "Wells Fargo And Norwest Plan Merger". The New York Times.
  35. ^"Wells Fargo to Buy Alaskan Bank". Los Angeles Times. December 22, 1999.
  36. ^"H.D. Vest to be acquired by Internet company Blucora for $580 million". Investment News. October 15, 2015.
  37. ^"Wells Fargo Names Stumpf CEO; Kovacevich Remains Chair". CNBC. Reuters. June 27, 2007.
  38. ^"Wells Fargo, Greater Bay Bancorp Agree to Merge" (Press release). PR Newswire. May 4, 2007.
  39. ^Said, Carolyn (May 5, 2007). "Wells Fargo buys bank / Greater Bay has 41 branches in the Bay Area". San Francisco Chronicle.
  40. ^"Wells Fargo Gobbles Up Greater Bay Bancorp". The New York Times. May 7, 2007.
  41. ^Barris, Mike (May 4, 2007). "Wells Fargo Agrees to Acquire Greater Bay Bancorp for $1.5 Billion". The Wall Street Journal.
  42. ^"Wells Fargo to purchase Placer Sierra Bank, owner of four Bank of Lodi branches". Lodi News-Sentinel. January 9, 2007.
  43. ^"Wells Fargo to Purchase CIT Unit". American Banker. June 22, 2007.
  44. ^Stempel, Jonathan (June 22, 2007). "Wells Fargo to buy CIT Group's construction unit". Reuters.
  45. ^"Wells to acquire United Bancorp of Wyoming". American City Business Journals. January 15, 2008.
  46. ^Chad Eric Watt (August 13, 2008). "Wells Fargo to acquire Century Bank". American City Business Journals.
  47. ^"Wells Fargo agrees to buy Wachovia; Citi objects". USA Today. Associated Press. October 4, 2008.
  48. ^"Court tilts Wachovia fight toward Wells". WABC-TV. October 5, 2008.
  49. ^"Court tilts Wachovia fight toward Wells Fargo". Times Internet. October 6, 2008.
  50. ^"Wells Fargo plans to buy Wachovia; Citi ends talks". USA Today. Associated Press. October 9, 2008.
  51. ^"Capital Purchase Program Transaction Report"(PDF). November 17, 2008.
  52. ^Landler, Mark & Dash, Eric (October 15, 2008). "Drama Behind a $250 billion Banking Deal". The New York Times.
  53. ^Temple, James (May 9, 2009). "Wells Fargo stock offering raises $8.6 billion". San Francisco Chronicle.
  54. ^Barr, Alistair (December 23, 2009). "Citigroup and Wells Fargo exit TARP". MarketWatch.
  55. ^"Wells Fargo buys North Coast Surety Insurance". American City Business Journals. April 20, 2009.
  56. ^Ahmed, Azam (August 15, 2011). "Wells Fargo Brings Citadel's Investment Banking Unit Aboard". The New York Times.
  57. ^Moyer, Liz; Rieker, Matthias (August 16, 2011). "Wells Fargo Scores Citadel Investment-Bank Talent, Deals". The Wall Street Journal.
  58. ^Touryalai, Halah (August 16, 2011). "Don't Read Too Much Into Wells Fargo's Deal With Citadel". Forbes.
  59. ^"Wells Fargo to Acquire Merlin Securities, LLC" (Press release). Business Wire. April 27, 2012.
  60. ^"Wells Fargo to Buy Prime Brokerage Firm". The New York Times. April 27, 2012.
  61. ^"Wells Fargo Rebrands Merlin Securities to Wells Fargo Prime Services" (Press release). Business Wire. December 3, 2012.
  62. ^"Wells Fargo Announces the Sale of Its Majority Stake in The Rock Creek Group" (Press release). Business Wire. July 5, 2018.
  63. ^"Wells Fargo Agrees to Acquire GE's Railcar Leasing Business". Bloomberg News. September 30, 2015.
  64. ^Koren, James Rufus (October 14, 2015). "Wells Fargo buys 3 GE units focused on equipment financing". Los Angeles Times.
  65. ^Dillet, Romain (March 27, 2017). "Wells Fargo will let you use Apple Pay and Android Pay to withdraw money". TechCrunch.
  66. ^Levitt, Hannah (June 5, 2018). "Wells Fargo sells all its branches in Indiana, Michigan, Ohio". Bloomberg News.
  67. ^Egan, Matt (June 5, 2018). "Wells Fargo sells all its branches in three Midwestern states". CNN.
  68. ^Moise, Imani (June 5, 2018). "Wells Fargo pulls back from U.S. Midwest, selling 52 branches to Flagstar". Reuters.
  69. ^"Wells Fargo Plans To Eliminate Up To 26,450 Jobs By 2020". HuffPost. Reuters. September 21, 2018.
  70. ^Egan, Matt (September 20, 2018). "Wells Fargo plans to cut up to 26,500 jobs over three years". CNN.
  71. ^LIBERTO, JENNIFER (March 28, 2019). "Wells Fargo CEO Quits In Wake Of Consumer Financial Scandals". NPR.
  72. ^"Principal Completes Acquisition of Wells Fargo Institutional Retirement & Trust Business" (Press release). Principal Financial Group. July 1, 2019.
  73. ^Egan, Matt (September 27, 2019). "Wells Fargo names financial veteran Charles Scharf as its new CEO". CNN.
  74. ^"Wells Fargo Agrees to Sell Private Student Loan Portfolio" (Press release). Business Wire. December 18, 2020.
  75. ^Truong, Kevin (December 21, 2020). "Wells Fargo sells off private student loan business". American City Business Journals.
  76. ^"TD Bank Group completes acquisition of Wells Fargo's Canadian Direct Equipment Finance Business" (Press release). Toronto-Dominion Bank. May 3, 2021.
  77. ^
Источник: https://en.wikipedia.org/wiki/Wells_Fargo

Alaska, the biggest state in the country, is home to over 750,000 people, the majority of whom are Americans. Although Alaska has a lower population than the majority of states, Alaskans need banking services in the same way that everyone else in the country does.

If you reside in Alaska and would want to establish a savings account with one of the best banks in Alaska, then this review will explain your choices with you in more detail.

1. First National Bank Alaska

First National Bank Alaska is one of the best banks in Alaska

The First National Bank Alaska was established in 1922. The local community bank is the only institution that provides a comprehensive range of banking services. It is regarded as Alaska’s third-largest financial institution. First Bank employs a total of 95 people across all of its branches and creates a total income of $29.63 million. The First Bank business family is comprised of eleven different entities.

A full-service commercial bank, First National Bank Alaska takes deposits and offers a complete range of conventional banking services to its customers. Card lending, consumer and business loans, escrow services, safety deposit facilities, and contractual collection are some of the facilities offered by the bank.

2. Wells Fargo

Wells Fargo

Wells Fargo is the best bank in Alaska for branch access. This bank has 43 branches and 88 ATMs in Alaska. It provides you the accessibility of physical and mobile banking. The personal banking options include credit cards, checking and savings accounts, loans, and investment products. But product availability may alter from area to area.

For college students and others, it provides an everyday checking option for standard deposit accounts. You can also earn interest with Preferred Checking or Portfolio. It offers Teen Checking options for young people.

3. BBVA

BBVA

BBVA is the best bank in Alaska for mobile banking. It has a top-notch and award-winning mobile banking app. So, it helps to meet your requirements with its vast range of personal, commercial, small business, and commercial product options. Its mobile banking app is pretty easy to navigate. 

This bank provides you the opportunity to check accounts, savings, credit cards, and other lending options. Some of these features are available nationwide, and some of them are available in select regions.

In case you are wondering, who keeps most amount of money in these banks; check out these richest person in Alaska who own most of the fortune in the state.

4. Simple

Simple is an online 1-stop-shop, and it is the best bank in Alaska for targeted savings. So, it makes it easier to reach the targeted saving goals. This bank can meet all of your basic banking needs. The linked accounts help you to qualify for the top-tier interest rates. This bank offers Simple high-yield checking accounts and also protected goals accounts. This account allows you to transfer funds to save for a specific goal.

5. Axos Bank

Axos Bank

Axos Bank is another best bank in Alaska that offers personal banking options and saving accounts. It has five specialized checking accounts. One of the most popular accounts from Axos is rewards checking. It is a free account with no overdraft fees. It also has a senior-friendly version dubbed Golden Checking. This account includes free personal checks and earns interest. 

This bank provides first checking, which delivers an initial banking experience to young people aged 13 to 17. Almost all the Axos checking accounts have mobile deposits, peer-to-peer payment, and bill pay. 

6. CIT Bank

CIT Bank is a digital bank in Alaska. This bank offers attractive savings accounts. People can open up their funds for only $100. It also provides home loans and certificates of deposit (CDs) options.

You can select from three accounts depending on your financial requirements and needs

  • Savings Builder account
  • Premier High Yield Savings account 
  • Money Market account

7. Alaska Pacific Bank

Alaska Pacific Bank was established in 1936, and its original name was Alaska Federal Savings and Loan Association. In 2014, it merged into and started to operate as part of Northrim Bank in Anchorage, Alaska. It has five branches.

Some of these banks own large amount of stake in the tallest buildings in Alaska.

8. Mt. McKinley Bank

Mt. McKinley Bank provides the top-rated and leading personal and business banking services to Fairbanks, Alaska. It operates five branches in Alaska and provides home loans, commercial loans, and business online banking options. It is the oldest and largest local financial institution in Fairbanks, Alaska. 

9. True North Credit Union

The True North Federal Credit Union has already been providing its members in Juneau, Alaska, with excellent investment products since its establishment in 1948. True North is one of Alaska’s top community banks providing a variety of services like house loans, accounts, car loans, mortgages, etc. Presently managed by Lauren MacVay, the True North FCU grew to more than 11,400 customers with assets over $140,707,050. They have a headquarters and three branches.

10. Denali State Bank

With its headquarters in Fairbanks, Denali State Bank is the fifth-biggest bank in the state of Alaska and serves a diverse customer base. It is a member of the Depository Credit Intermediation industry. The bank has five branches in Alaska, located in two separate cities and towns. It is a subsidiary of the Bank of Alaska.

It was founded in 1986, and till now, it has expanded to have 85 workers and produce $19.29 million in revenue, according to the company’s website (USD). Denali State Bank’s corporate family consists of six different businesses.

Both non-physical and traditional banks provide cutting-edge personal banking solutions that may help you preserve more, keep track of your money more simply, and apply for credit more readily. The proper financial institution can assist you in taking your financial situation to the next level.

With smart, portable budgeting and savings tools, you may build your wealth by investing in high-yield accounts or putting money aside for a particular purpose.You can find the best bank in Alaska for you from the above article to get the most out of your money.

Источник: https://usabynumbers.com/banks-in-alaska/

WaFd Bank Locations

Due to the Coronavirus Pandemic, we are practicing social distancing and restricting access to some of our branch lobbies. We are also abiding by city, county and state requirements regarding masking. Due to resulting staffing shortages, some branches have been closed completely or will be serving clients only via the drive-up lanes. Click here for a current list of closures.

Even though WaFd Bank stretches across 8 states, at our heart we are your local bank. Whether you are looking for a mortgage for your dream home, banking services for your business, or home equity lines of credit, WaFd Bank is here to help.

Or if you're looking for a great online and mobile banking experience, you can open an account or bank with us anytime, anywhere, from your computer, tablet or smart phone.

Seattle - Columbia City, Washington

“Allison and Bill and WaFd were instrumental in helping me navigate the PPP process for COVID 19 small business relief. Thanks for your help and support your guys were great!”

Bend - Bluff Drive, Oregon

“We have always received great service from the Bluff branch of WaFd. Just last week I called Nick Silva to see about getting help applying for a PPP Loan. Not only did he give me the information needed, but he helped me get the loan application turned into the SBA in record time. Thank you Nick! I never feel like a "small" account when working with the Bluff branch. We are always greeted by name treated with respect.”

Boise – Federal Way, Idaho

“Amazing customer service! Kyle Helms handled our estate POA matters with professionalism and made the whole experience very easy. His relaxing demeanor and confidence assured us that all would be well, and it certainly is. I highly recommend this branch and Kyle for any important and sensitive financial dealings!”

Las Vegas – Summerlin, Nevada

“Amazing team! WaFd really stepped up during this difficult time helping people with the PPP Loan. I've been a client for a few years and I've always been satisfied with their customer service!”

Salt Lake City – Sugarhouse, Utah

“Lydia and her crew are truly the best of the best!! How I enjoy interacting with them on a weekly basis!!”

Tucson – Broadway Blvd, Arizona

“Great Customer Service. Travis Duran was a pleasure to deal with during this difficult transaction. It was difficult because of a snag with SBA and he was a true professional navigating thorough this transaction. He is a credit to Washington Federal.”

Denton, Texas

“In over 50 years of banking, the Denton, TX Washington Federal is the best banking experience we've ever had. The staff is warm, welcoming & never makes us feel rushed. They make us feel special & take time to explain the available banking options. The staff even called my husband to sing "Happy Birthday". The Denton staff is extremely friendly, caring & always make us feel welcome.”

Santa Fe - Downtown, New Mexico

“Sean Romero went above and beyond to help me with my home financing needs. He was responsive and fast, he was a clear communicator and I felt that he was the hardest lender I have worked with. You are in good hands with him.”

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Seattle - Columbia City, Washington

“Allison and Bill and WaFd were instrumental in helping me navigate the PPP process for COVID 19 small business relief. Thanks for your help and support your guys were great!”

Bend - Bluff Drive, Oregon

“We have always received great service from the Bluff branch of WaFd. Just last week I called Nick Silva to see about getting help applying for a PPP Loan. Not only did he give me the information needed, but he helped me get the loan application turned into the SBA in record time. Thank you Nick! I never feel like a "small" account when working with the Bluff branch. We are always greeted by name treated with respect.”

Boise – Federal Way, Idaho

“Amazing customer service! Kyle Helms handled our estate POA matters with professionalism and made the whole experience very easy. His relaxing demeanor and confidence assured us that all would be well, and it certainly is. I highly recommend this branch and Kyle for any important and sensitive financial dealings!”

Las Vegas – Summerlin, Nevada

“Amazing team! WaFd really stepped up during this difficult time helping people with the PPP Loan. I've been a client for a few years and I've always been satisfied with their customer service!”

Salt Lake City – Sugarhouse, Utah

“Lydia and her crew are truly the best of the best!! How I enjoy interacting with them on a weekly basis!!”

Tucson – Broadway Blvd, Arizona

“Great Customer Service. Travis Duran was a pleasure to deal with during this difficult transaction. It was difficult because of a snag with SBA and he was a true professional navigating thorough this transaction. He is a credit to Washington Federal.”

Denton, Texas

“In over 50 years of banking, the Denton, TX Washington Federal is the best banking experience we've ever had. The staff is warm, welcoming & never makes us feel rushed. They make us feel special & take time to explain the available banking options. The staff even called my husband to sing "Happy Birthday". The Denton staff is extremely friendly, caring & always make us feel welcome.”

Santa Fe - Downtown, New Mexico

“Sean Romero went above and beyond to help me with my home financing needs. He was responsive and fast, he was a clear communicator and I felt that he was the hardest lender I have worked with. You are in good hands with him.”

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Источник: https://www.wafdbank.com/locations

First National Bank Alaska is Alaskan owned and continues to help business and families. It has several development services in the community that ease the people.

It is among the top banks to be ranked in the nation for stability, financial security and liquidity.

Check your credit with Identity IQ

The First National Bank Alaska was started its operations in 1922 under the ownership of Alaskans. For the longest period of they existence, they have been focused on assisting their customers and neighbors strengthen their homes, families, and businesses.

The Bank have incorporated the latest technology in banking, and they offer an online banking platform that’s user-friendly, secure and free of charge. In case you are interested in using their online banking services, below are guidelines to help you on how to enroll, create an account or reset a lost or forgotten password.

LOGIN

Step 1 – Enter the link hhtps://www.fnbalaska.com into your browser.

First_1

Step 2 – This will open our homepage where you’re guaranteed to see a link labeled ‘Online Banking’ which you should click to follow.

First_2

Step 3 – The page that opens up requires you to enter the type of account you have with us and the Access ID.

First_3

Step 4 – After entering your details, submit them using the ‘Click to Log In’ button at the bottom.

First_4

FORGOTTEN PASSWORD

Step 1 – Click on the ‘Forgot Password?’ the icon just below the box for entering your Access ID details on the account login page.

First_5

Step 2 – The page you’ll be directed to require you to input your Access ID, the 4 Last Digits of your Tax ID Number and email address.

First_6

Step 3 – After successful entering of your details, click on ‘Submit’.

First_7

Step 4 – You will receive an email that contains your password.

ENROLLMENT

Step 1 – For first-time enrollment, go to the Login page where you will find an option for first-time enrollment. Click the ‘step-by-step process’ button to enroll.

First_8

Step 2 – The page opened requires that you have a first-time log in code to proceed. In case you don’t have the code, for those in Anchorage/Eagle River call us on 777-FNB (4362) or 1-800-856-4FNB (4362) for those in other communities.

First_9

Step 3 – For the first time login, you need to authenticate your first time use by entering your details that include your full name, Social Security Number, password, account number and type and email address.

Step 4 – Click on ‘Submit’ to continue.

First_10

MANAGING FIRST NATIONAL BANK ALASKA ONLINE BANKING

Our online services include:

  • Real-time account information and access.
  • Submission of checks
  • Make bill payments or cancel others
  • Get reports on your expenditure and income

Video Instructions

Holiday Schedule for 2020 & 2021

These are the federal holidays of which the Federal Reserve Bank is closed.
First National Bank Alaska and other financial institutes are closed on the same holidays.

Holiday20202021
New Year's DayJanuary 1January 1
Martin Luther King DayJanuary 20January 18
Presidents DayFebruary 17February 15
Memorial DayMay 25May 31
Independence DayJuly 4July 4
Labor DaySeptember 7September 6
Columbus DayOctober 12October 11
Veterans DayNovember 11November 11
Thanksgiving DayNovember 26November 25
Christmas DayDecember 25December 25

Login Instructions for Other Banks (See all)


Check & protect your credit with Identity IQ.

Learn More

Monitor your credit score without hard inquiries!

Learn More

Sponsored
Источник: https://ccbank.us/first-national-bank-alaska-online-banking-login/

First National Bank Alaska is Alaskan owned and continues to help business and families. It has several development services in the community that ease the people.

It is among the top banks to be ranked in the nation for stability, financial security and liquidity.

Check your credit with Identity IQ

The First National Bank Alaska was started its operations in 1922 under the ownership of Alaskans. For the longest period of they existence, they have been focused on assisting their customers and neighbors strengthen their homes, families, and businesses.

The Bank have incorporated the latest technology in banking, and they offer an online banking platform that’s user-friendly, secure and free of charge. In case you are interested in using their online banking services, below are guidelines to help you on how to enroll, create an account or reset a lost or forgotten password.

LOGIN

Step 1 – Enter the link hhtps://www.fnbalaska.com into your browser.

First_1

Step 2 – This will open our homepage where you’re guaranteed to see a link labeled ‘Online Banking’ which you should click to follow.

First_2

Step 3 – The page that first national bank alaska app up requires you to enter the type of account you have with us and the Access ID.

First_3

Step 4 – After entering your details, submit them using the ‘Click to Log In’ button at the bottom.

First_4

FORGOTTEN PASSWORD

Step 1 – Click on the ‘Forgot Password?’ the icon just below the box for entering your Access ID details on the account login page.

First_5

Step 2 – The page you’ll be directed to first national bank alaska app you to input your Access ID, the 4 Last Digits of your Tax ID Number and email address.

First_6

Step 3 – After successful entering of your details, click on ‘Submit’.

First_7

Step 4 – You will receive an email that contains your password.

ENROLLMENT

Step 1 – For first-time enrollment, go to the Login page where you will find an option for first-time enrollment. Click the ‘step-by-step process’ button to enroll.

First_8

Step 2 – The page opened requires that you have a first-time log in code to proceed. In case you don’t have the code, for those in Anchorage/Eagle River call us on 777-FNB (4362) or 1-800-856-4FNB (4362) for those in other communities.

First_9

Step 3 – For the first time login, you need to authenticate your first time use by entering your details that include your full name, Social Security Number, password, account number and type and email address.

Step 4 – Click on ‘Submit’ to continue.

First_10

MANAGING FIRST NATIONAL BANK ALASKA ONLINE BANKING

Our online services include:

  • Real-time account information and access.
  • Submission of checks
  • Make bill payments or cancel others
  • Get reports on your expenditure and income

Video Instructions

Holiday Schedule for 2020 & 2021

These are the federal holidays of which the Federal Reserve Bank is closed.
First National Bank Alaska and other financial institutes are closed on the same holidays.

Holiday20202021
New Year's DayJanuary 1January 1
Martin Luther King DayJanuary 20January 18
Presidents DayFebruary 17February 15
Memorial DayMay 25May 31
Independence DayJuly 4July 4
Labor DaySeptember 7September 6
Columbus DayOctober 12October 11
Veterans DayNovember 11November 11
Thanksgiving DayNovember 26November 25
Christmas DayDecember 25December 25

Login Instructions for Other Banks (See all)


Check & protect your credit with Identity IQ.

Learn More

Monitor your credit score without hard inquiries!

Learn More

Sponsored
Источник: https://ccbank.us/first-national-bank-alaska-online-banking-login/
Tile & Stone

Top Wins for Birds and People in 2021

This year our conservation leaders, bird advocates, college students, ambassadors, volunteers, and scientists accomplished amazing things. Through early-December, more than 170,000 of us contacted decision-makers more than 1,085,000 times on behalf of birds. All of the accomplishments listed below come from the hard work and dedication of our members, chapters, volunteers, and staff. We're very proud of what we have been able to accomplish together over the past 12 months.

Keep reading to see the most important ways that our flock worked together this year.

We worked with state and federal lawmakers and courts to protect birds and the places they need.

Defending our coastlines against illegal sand mining.

Audubon won its lawsuit against the federal government to stop a Trump-era illegal rule that allowed sand mining on pristine, undeveloped coastlines. For decades, the Coastal Barrier Resources Act prevented removal or mining of sand from designated areas protected by the law; that sand nourishes beaches outside of the CBRA system and keeps coastal communities safe from storm surges and high tides. Audubon worked with nonprofit legal organization Democracy Forward on this lawsuit, and the fiscal conservatives at the R Street Institute wrote an amicus brief in favor of maintaining the Coastal Barrier Resources Act at its full strength.

Securing Water for Imperiled Saline Lakes

In September, Congressman Blake Moore (R-UT) and Congressman Jared Huffman (D-CA) introduced the Saline Lake Ecosystems in the Great Basin States Program Act to establish a scientific monitoring and assessment program to better manage conservation efforts for saline lake ecosystems and migratory birds in the West.

The Saline Lake Ecosystems in the Great Basin States Program Act would provide the U.S. Geological Survey—in coordination with the U.S. Fish and Wildlife Service and tribal, state, academic, and nonprofit organizations—resources to conduct scientific monitoring and assessments to establish effective management and conservation efforts to preserve essential Saline Lake habitats within the Great Basin network. 

Saline lakes within the Great Basin—which includes areas of Utah, California, Nevada, and Oregon—provide a critical network of habitats for millions of migrating shorebirds, waterbirds, and waterfowl. Declining water levels due to demand, drought, and environmental changes have dried out these important lakes within the Great Basin, threatening habitats, public health, and recreation. 

Restoring the Migratory Bird Treaty Act and Making It Stronger

In September the Biden-Harris administration not only restored the protections afforded to birds in the Migratory Bird Treaty Act to levels last seen during the Obama administration, the administration took it a step further by also announcing a regulatory framework for industry so that they could be compliant with the law. Audubon has been advocating for strengthening the MBTA since at least 2015, so seeing the law both restored to its former strength and then some, is a testament to the advocacy work done by thousands of Audubon members over the years.  

Supporting Indigenous Stewardship in Canada’s Boreal Forest

This summer the Canadian government pledged $340 million CAD to Indigenous stewardship programs across Canada. This funding will support creation of new Indigenous Protected Areas and Indigenous Guardians programs that help protect Canada’s Boreal Forest. The boreal is home to the breeding territories of hundreds of bird species, and protecting that land from development and climate change is critical to protecting the birds that depend on it.

Reinstating Key Management Plans for Greater Sage-Grouse in the West

In May The Bureau of Land Management (BLM) announced that it would begin an effort to restore previous plans to conserve Greater Sage-Grouse populations. In 2015, stakeholders from across the West reached an historic agreement to save the sage-grouse—an agreement that the last administration ignored and undermined. The announcement came hot on the heels of a report from the United States Geological Survey showing that sage-grouse populations have declined 80 percent since 1965, a more dramatic decline than previously thought. There are more than 350 different species of wildlife and plants as well as hunters, ranchers, and whole communities that depend on a healthy sagebrush steppe. 

Securing Funding and Support for Great Lakes Restoration

In January, past President Trump signed the Great Lakes Restoration Initiative Act into law, which will allow Congress to increase the Great Lakes Restoration Initiative program’s funding incrementally from $300 million to $475 million by 2026. This law is a huge win for the all those that depend on the largest freshwater ecosystem on the planet. For the past ten years, this initiative has been a proven success, funding more than 5,000 projects that have improved water quality and driven real and positive impacts for communities, wildlife, and economy across the Great Lakes region.

Protecting 300,000 Acres of Wetlands Throughout the Great Lakes Region

In March, Audubon Great Lakes announced the release of an ambitious new report Audubon’s Vision: Restoring the Great Lakes for Birds and People that offers a blueprint for how to best conserve indispensable coastal areas to address the threats facing the Great Lakes region. The report outlines Audubon’s conservation efforts, which includes 8 state-based, 12 region-wide, and 42 projects to restore or protect the highest priority 300,000 acres of habitat for birds and people over the next decade. As the largest freshwater ecosystem on the planet, the Great Lakes provide drinking water to 40 million people and its coastal habitats support over 350 bird species.

Making Climate Justice a Central Concern

In September, the State of Illinois passed the most equitable clean energy jobs bill of its kind in the nation.  The Climate and Equitable Jobs Act sets Illinois on a path to 100 percent clean energy by 2050, while creating jobs for Black and brown communities that too often are on the frontline of our climate crisis. For three years, Audubon Great Lakes and more than 4,600 of its members mobilized as part of the Illinois Clean Jobs Coalition in support of the bill in Illinois.

Bringing Climate Resilience to Infrastructure

The recent passage of the Infrastructure Investment and Jobs Act (H.R. 3684) brings hope for birds, great southern bank access login, and communities in the arid West. The Act is a cornerstone of the Biden-Harris Administration, addressing long-awaited infrastructure needs with historic amounts of funding for transportation, electricity, and broadband internet projects. Audubon widely supported this bill, especially funding that will address the ongoing climate crisis, including for clean energy projects, climate resiliency upgrades, transit, and electric vehicles. 

Halting Land Giveaways to Mining Companies in Alaska

In April, the Bureau of Land Management announced it was reversing efforts made by the Trump administration to quietly open millions of acres of Alaska’s public land—known as D1 lands—to future mining and oil and gas development. Opening these lands to mining interests would have put these diverse ecosystems, which support major salmon streams, caribous calving grounds, and nationally and internationally recognized Important Bird Areas, at risk.

Our programs elevate smart ideas and help them achieve impact at scale.

Reinstated Three National Monuments

In October, the Biden-Harris administration restored protections for three national monuments—Northeast Canyons and Seamounts off the coast of New England, and Bears Ears and Grand Staircase-Escalante in Utah—that the previous administration had shrunk or opened up to commercial exploitation.

In 2017 the Trump administration downsized Bears Ears by 85 percent and Grand Staircase-Escalante by nearly 50 percent. And in 2020, President Trump signed a proclamation to open the Northeast Canyons and Seamounts Marine National Monument to commercial fishing. This rollback increased the risk of seabirds getting hooked on fishing line or caught in a net and reduced the amount of fish available for them to eat. Audubon’s Seabird Institute was instrumental in uncovering that Maine’s recently restored populations of Atlantic Puffins rely on this monument to stock up on fish in winter months. The reinstated protections mean that these areas will be safe for birds to forage for fish in the coming years. 

Restoring Federal Safeguards to Globally Significant Wetlands

In January 2021 Audubon and conservation partners filed a lawsuit challenging the Trump administration’s unlawful 2020 attempt to revive a massive project known as the Yazoo Pumps that would drain Mississippi Flyway wetlands that support more than 28 million migratory birds annually. In response to the lawsuit, in November the Environmental Protection Agency (EPA) restored its 2008 Clean Water Act veto of the Yazoo Pumps, effectively halting the project and ensuring some of the nation’s richest habitats are protected once again.

Audubon engaged more than 93,000 scientists, conservation and social justice organizations, citizens, and Audubon members to deliver comments first national bank alaska app the project. Audubon and partners also developed and shared with EPA and the Army Corps of Engineers a suite of nature-based solutions that would provide effective flood relief for vulnerable communities while benefitting birds and other wildlife.

Delivered Water to the Parched Colorado River Delta

From May through October this year, 35,000 acre-feet of Colorado River water—about 11 billion gallons—made its way from the U.S.-Mexico border to the river’s fan-shaped terminus 100 miles away. It is the first time since a brief period in 2014 that the Colorado reached the sea. Because of the tireless advocacy by Raise the River, a binational alliance of six conservation groups including Audubon, and a series of delicate negotiations between the U.S. and Mexico, the delta will see more of this in the future: by 2026 it will receive 210,000 acre-feet of water in total.

These water deliveries have real impact. After the 2014 pulse of water and some targeted water deliveries to restore riparian habitats, the delta bloomed in response: Bird abundance rose 20 percent and avian diversity increased 42 percent, showing even a modest amount of water can make a big difference.

Securing Water for Great Salt Lake Wetlands

In October, the Utah Division of Water Rights approved applications to deliver water to Farmington Bay of Great Salt Lake via the Jordan River. An innovative partnership is laying the groundwork to voluntarily share water for the lake to meet crucial needs for people, birds, and other wildlife.

The Utah Division of Wildlife Resources, Rio Tinto Kennecott, Central Utah Water Conservancy District, National Audubon Society, The Nature Conservancy, and Utah Reclamation Mitigation and Conservation Commission collaborated to achieve this important step in addressing Great Salt Lake’s declining water levels. Through two donations of water rights, up to approximately 21,000 acre-feet of water annually could be delivered to Farmington Bay over the next ten years.

Keeping water flowing to Great Salt Lake’s wetlands and open water habitats is vital to maintaining important natural santander bank new jersey routing number of international and hemispheric importance for birds, while also benefiting people.

Helping Black Skimmers Nest Again on the Gulf

For the first time in 10 years, Black Skimmers successfully fledged chicks on the Louisiana mainland, thanks in part to a recent project to restore beaches in the southwestern corner of the state.

In late July, Audubon biologists located a Black Skimmer nest “scrape,” or a depression in the sand, containing four eggs along a Cameron Parish shoreline restoration site near Holly Beach. By mid-August, three skimmer pairs had initiated nesting in the area. A dedicated set of stewards and volunteers protected the birds from beachgoers throughout the summer and early fall, and the final chick fledged in September.

Launching a Bird-friendly Forester Program

This year, Audubon’s Connecticut and New York regional office, along with Audubon Vermont, launched the Audubon Forester Training and Endorsement Program to help create high-quality habitat at scale. More than 180 foresters in 19 states attended the first two training webinar series launched in May 2021. The program will grow a national network of professional foresters who, once endorsed, can connect with landowners and work together to prioritize habitat for birds and other wildlife. Foresters in the program learn about birds in decline, and landscape and stand-level planning and management to improve forest habitat diversity.

Taking Regenerative Agriculture to Market

In April, Audubon and Panorama Meats, the largest producer of organic grass-fed, grass-finished beef in the U.S. announced a one-million-acre regenerative grassland partnership—the largest such program in the country. The commitment will create individual habitat management plans with every family rancher in the Panorama Organic network through Audubon’s Conservation Ranching Initiative.

The Audubon Conservation Ranching Initiative seeks to enhance the stewardship of grasslands for the benefit of birds, as they have suffered significant decline over the past 50 years due to the loss of U.S. grasslands to widespread development. The initiative empowers consumers to support programs that restore bird populations via conservation practices by selectively purchasing beef nationwide from Audubon-certified farms and ranches, including Panorama Organic and other participating brands.

Starting Restoration on Crab Bank, a Critically Important Barrier Island

After Audubon South Carolina secured the necessary funding, including a grant from National Fish and Wildlife Foundation, the Army Corps of Engineers has begun reconstruction of Crab Bank. The restoration should be completed by the end of the year, in time for the start of the 2022 nesting season.

Historically, the protected barrier island served as one of the last remaining safe critical nesting area for thousands of shorebirds and seabirds in South Carolina. After heightened erosion caused by a series of severe storms, the island experienced its first year on record of no nests in 2018. Dredge material from Charleston Harbor is being used by the Army Corps of Engineers to restore the island to approximately 30 acres of valuable high ground. After the birds arrive, Audubon will partner with a coalition of local groups to monitor the island, host a live video feed of nesting, and steward the island for years to come.

Keeping Sprawl Out of Environmentally Sensitive Areas

In 2019, legislation in Florida mandated the construction of 330 miles of new turnpikes through some of Florida’s most sensitive environmental areas and important rural farmland areas, effectively prying them open for future development and sprawl. But after months of meetings and important policy work, Florida state senator Gayle Harrell (R-Stuart), chair of the Transportation Committee, introduced Senate Bill 100, which repeals the earlier mandate.

Audubon worked diligently to make sure this legislation enshrined in the statute new language requires that Department of Transportation takes into consideration the protective recommendations from prior task forces that did environmental assessments of the highway projects, and include some of the most environmentally protective guidelines for highway planning and design ever prescribed in Florida, in the event the turnpikes are proposed again chase status of application credit card the future.

Celebrating the Completion of a 30-Year Restoration of the Kissimmee River

On July 29, Audubon Florida, the Army Corps of Engineers, and the South Florida Water Management District celebrated the 40 miles of restored river and floodplains, and more than 25,000 acres of restored wetlands along the Kissimmee River, the largest functioning restoration project in the world. The Kissimmee River once stretched 103 miles in length, curving through Central Florida as a haven for wildlife, and its two-mile-wide floodplain was regularly inundated by seasonal rainfall, which provided important habitat to fish, wading birds, and other species.

Following restoration, Lake Kissimmee is expected to rise one and a half feet, storing water to feed the river during the dry season and rehydrating another 20 square miles of dried marshes. The river’s floodplain will flood seasonally and the river will meander again in order to replicate its natural path.

Securing $35 Million for Gulf Coast Birds

In March, the Deepwater Horizon Trustees announced nearly $100 million in new Gulf restoration projects, including almost $35 million specifically to support bird populations that are still recovering from the oil spill nearly 11 years ago. Several of the projects selected for funding are included in Audubon’s vision for jose cuervo margarita the Gulf of Mexico.

Among the projects proposed is the Bird Nesting and Foraging Area Stewardship project, which will support coastal bird stewardship across four Gulf states. Other projects to support birds include restoring, protecting, and managing critical nesting islands like Chester Island in Texas, the Chandeleur Islands in Louisiana, Round Island in Mississippi, and Dauphin Island in Alabama. Finally, another new project will identify and remove marine debris at key “hotspots” on the Gulf Coast, where birds and sea turtles are at risk of ingesting or getting entangled in marine debris such as discarded fishing line, nets, or traps.

Advocating for Marine Protections

In January, the National Oceanic and Atmospheric Administration, or NOAA for short, announced it will expand the Flower Garden Banks National Marine Sanctuary to nearly triple its current size. Situated on salt domes rising up from the seafloor, Flower Garden Banks is one of only two marine sanctuaries in the entire Gulf of Mexico. Its brightly colored coral reefs are an important feeding ground for seabirds like Northern Gannets and Magnificent Frigatebirds.

Restoring Grasslands from Marginal Grazing Land

Audubon Dakota successfully launched the Conservation Forage Program that aims to restore 18,000 acres of marginal cropland back to grassland in North Dakota to improve forage availability and first national bank alaska app. These grassland acres will benefit the landowner and livestock, as well as grassland birds and native wildlife, while protecting North Dakota's air and water quality for future generations.

Saving 100 Percent of Tricolored Blackbird Colonies

Each spring and summer, Audubon California works with landowners and community partners to protect Tricolored Blackbirds across the state. This year that collaboration helped save 100 percent—170,000 birds in total—of the Tricolored Blackbird colonies nesting on agricultural fields. In years of drought, the Tricolored Blackbird's native habitat becomes even more limited, making the success of our program essential to the species' survival. This year, the largest colony detected was estimated to host around 30,000 birds.

Protecting One of the Last Undeveloped Barrier Islands in North Carolina

Hutaff Island, one of North Carolina’s last privately owned undeveloped barrier islands, will be conserved forever thanks to a partnership between Audubon North Carolina, NC Coastal Land Trust, and the Hutaff/McEachern family, funded by conservation philanthropist Tim Sweeney.

Hutaff is a 2-mile long ribbon of pristine beach and saltmarsh located between Lea Island and Topsail Beach to the north and Figure 8 Island to the south. Conserving this wild and uninhabited place in perpetuity will keep the island’s natural inlets and dynamic ecosystems intact, providing critical habitat for sea turtles, vulnerable beach-nesting birds like Black Skimmers, and a host of other rare and threatened wildlife.

Launching the Audubon Americas Program

After a year of analyzing our past work and other successful programs throughout Latin America, Audubon launched its Audubon Americas program to tackle full life-cycle conservation across the hemisphere. Audubon Americas will work mainly in Canada, Chile, Colombia, Mexico, Panama, and The Bahamas, focusing on regenerative agriculture and protecting key sites in the Americas that support both migratory and resident bird species. Learn more here.

We secured important victories to help build a sustainable climate future.

Supporting Bipartisan Federal Legislation in the Senate

In June, the United States Senate passed the Growing Climate Solutions Act. The bill creates a new program to address barriers to entry for landowners trying to access voluntary carbon markets, and encourages practices guided by science. These markets have the potential to further support farmers, ranchers, and private forest landowners in adopting sustainable management practices like planting cover crops, prescribed grazing, and reforestation. In addition to improving the health of working first national bank alaska app, these practices serve as natural solutions for reducing greenhouse gas pollution and increasing the amount of carbon stored in the soil.

Supporting Bipartisan Climate Legislation in North Carolina

In October, North Carolina lawmakers passed House Bill 951 with large bipartisan majorities this week. The bill, which was signed into law a week later by Governor Roy Cooper, requires that the North Carolina Public Utilities Commission come up with a plan by the end of next year that uses the most affordable options to reduce carbon emissions from the energy sector by 70 percent, compared to 2005 levels, by the year 2030 and reach carbon neutrality by the year 2050. Thousands of Audubon advocates across North Carolina met with lawmakers via Zoom, sent emails, made phone calls, took elected officials on bird outings, and delivered petition signatures, all to speak up for bold action on climate. 

Volunteers and staff with Audubon North Carolina smile for a group photo prior to meeting with state representatives during the Audubon North Carolina Virtual Advocacy Day Wednesday, Feb. 10, 2021.

Demonstrating How Helping Birds Can Also Help Fight Climate Change

This summer, Audubon scientists reported in the new Natural Climate Solutions report that you can protect birds and fight global warming at the same time. The researchers studied ecosystems across the country that are critical to both carbon storage and to birds, both now and under future climate change, and found that these regions often overlapped. Combined, the priority areas studied already store over 100 billion tons of carbon, and, if climate-smart strategies are implemented, have the potential to sequester up to twice as much carbon annually as they do currently.

The report says that by what do i need to open a bank account nationwide, managing, and restoring these priority areas, the U.S. could realize up to 23 percent of its Paris Agreement commitment to reduce emissions, while also helped imperiled birds across the hemisphere.

Pairing Solar Energy and 3,000 Native Plants in Colorado

This summer Audubon Rockies and Jack’s Solar Garden celebrated the first full growing season of the pollinator native plants at this solar energy site. Located in Longmont, Colorado, Jack’s Solar Garden features more than 3,200 solar panels that create a 1.2 megawatt community solar garden. It’s also the largest commercially active agrivoltaics system currently researching crop and vegetation growth in the United States. Audubon Rockies partnered with Jack’s Solar Garden and United Ecology to plant a living fence of more than 3,000 first national bank alaska app plants around the periphery of the solar array.

Contractors plant the Habitat Hero garden at Jack's Solar Garden in May 2020.

Restoring Wetlands Along the Connecticut Coast

After years of planning and fundraising, Audubon Connecticut and others broke ground for average american savings 2020 major restoration project at Great Meadows Marsh, a globally significant Important Bird Area, and part of the Stewart B. McKinney National Wildlife Refuge. The project will restore up to 33 acres of salt marsh and other important coastal habitat. Great Meadows Marsh contains the largest block of un-ditched salt marsh remaining in Connecticut.

Audubon Connecticut, the National Oceanic and Atmospheric Administration, Connecticut Department of Energy and Environmental Protection, and U.S. Fish and Wildlife Service are partners in this restoration. In addition to managing the construction, over the next few months Audubon will offer opportunities for the community to get involved, primarily through planting up to 170,000 native grasses and shrubs in spring.

Saltmarsh Sparrow.

Stopping Oil and Gas Leases in the Arctic Refuge

On June 1, 2021, the Biden Administration announced it is suspending oil and gas leases and all associated activities in the Arctic National Wildlife Refuge until it can complete “a comprehensive environmental analysis” of the leasing program. Protecting the Arctic Refuge has been a central part of Audubon Alaska’s work over the last decade.

Halting Oil and Gas Development on Alaska’s North Slope

On August 18, 2021, a federal court judge reversed the Trump administration’s environmental approval for ConocoPhillips’ proposed Willow Master Development Plan on Alaska’s North Slope. In her decision, U.S. District Court Judge Sharon Gleason said the Trump administration’s approval of the project under the National Environmental Policy Act was flawed because it failed to thoroughly analyze potential greenhouse gas pollution and it didn’t sufficiently consider legal protections for the Teshekpuk Lake wetlands complex, which are used as a subsistance resource by local communities. 

Going 100 Percent Solar

Audubon Arkansas and the Little Rock Audubon Center is the first non-profit in the state of Arkansas to be 100 percent powered by renewable energy. The Little Rock Audubon Center is now home to a 35-kilowatt solar power plant, which was constructed by Scenic Hill Solar and designed to meet the center’s total electricity demand. The center also will feature a Solar Learning Lab to provide community education opportunities on solar power technology.

Making Wind Power Safer For Birds

When the Bureau of Ocean Management (BOEM) issued its Record of Decision approving the Vineyard Wind I project off the coast of Massachusetts, that approval came with serious measures reduce impact to migratory birds, including siting the project to avoid the most important offshore habitats for birds. Audubon and partners worked extensively with BOEM to create a framework for understanding how offshore wind farms affect seafaring birds.

In turn, BOEM is requiring Vineyard Wind to develop a monitoring program that includes pre- and post-construction avian surveys, installation of radio telemetry receivers within the project area, the deployment of radio transmitter backpacks to species of concern that may interact with the project, and the use of additional monitoring technologies as they become available.

A family of Piping Plovers huddles at Sandy Point State Reservations in Massachusetts.

Audubon is local everywhere. Our chapter network and state offices were critical to protecting and restoring the places that birds need to thrive.

Supporting Passage of Illinois Bird-friendly Building Law

In July, Last week, Illinois took an important step to minimize the impact of our built environment when Governor Pritzker signed the Bird Safe Buildings Act (HB 247). The law requires bird-friendly design to be incorporated into the construction and renovation of state-owned buildings in Illinois. This new law will require the use of bird-friendly construction techniques for all new construction or renovation of Illinois state-owned buildings. At least 90 percent of the exposed façade material on new state buildings will be need to be made of glass that helps stop bird collisions. It will also require that, when possible, outside building lighting is appropriately shielded to protect wildlife.

With this new law, Illinois joins Minnesota, New York City, and several cities in California who have passed similar bird protection legislation.

Launching First national bank alaska app Philly with Audubon Mid-Atlantic and Wyncote Audubon

As result of the October 2020 mass-collision event in downtown Philadelphia, Audubon and Audubon Mid-Atlantic and local partners came together to form Bird Safe Philly. The coalition focuses on a number of strategies and programs, including Lights Out Philly. Lights Out Philly kicked off in spring of first national bank alaska app with Philadelphia City Council members introducing a “Lights Out” resolution recognizing the problem of collision, the Bird Safe Philly collaboration, and the value of Lights Out. The resolution was subsequently unanimously passed.

Helping Get Lights Out Programs to Top 15 Metro Areas

This year, Tropical Audubon Society and Audubon successfully launched the Lights Out Miami, fulfilling a goal that Audubon’s Bird-Friendly Communities team set for itself to establish Lights Out programs in each of the largest 15 metropolitan areas in the United States. Joining Miami this year in starting Lights Out programs are Fort Worth, Texas (Texas Conservation Alliance and Audubon Texas) and Philadelphia, Pennsylvania (read below to learn about Bird-Safe Philly).

Launching Share the Shore Award Program in New York and Connecticut

This year, Audubon’s Connecticut and New York office announced the first-ever Share the Shore Award winners, celebrating two coastal communities with long histories of making a big impact on vulnerable birds like Piping Plover. The two winning communities were the City of West Haven, Connecticut and the Town of Hempstead, New York. With more than 1,500 people asking for more Share the Shore actions in their towns, Audubon is reaching out to local decision makers and offering to help them do more in their own community, from beach cleanups, to fencing and monitoring nesting sites, and improving wildlife habitat.

Installing Towers to Help Track Migratory Birds in South Carolina

In June, Audubon South Carolina partnered with the U.S. Fish and Wildlife Service and Duke Energy to unveil a Motus tower at Caesars Head, near Greenville, SC. Two more Motus towers have since been constructed on Audubon properties: Silver Bluff Audubon Center and Sanctuary and Audubon Center and Sanctuary at Francis Beidler Forest. These towers join the expanding network across the doc holliday hat tombstone that Audubon and its partners have built. The data is us bank app down towers collect depicts a more detailed picture of the full life cycles of Audubon priority birds like Piping Plover and Wood Thrush.

Building a Brand-New Island for Terns in the Niagara River

A new island for nesting Common Tern welcomed its first wave of visitors this spring, just months after the island was completed. Tern Island, which is about one-third of an acre and was built with a rock berm base and a sand/pea-gravel mixture for terrain, took about half a year to complete and is part of a collection of habitat islands, including Frog Island and Strawberry Island, near and in the Niagara River. Buffalo Audubon Society, Audubon New York, Audubon Great Lakes, and New York Citi visa online login of Environmental Concerns collaborated on the design and construction of the island. Volunteers with Buffalo Audubon monitored the site and reported 150 pairs of Common Terns during its inaugural year.

Installing Nesting Platforms for Common Terns in Maryland

In spring 2021, Audubon Mid-Atlantic and partners Maryland Department of Natural Resources and Maryland Coastal Bays Program piloted an innovative project to provide artificial nesting platforms for Common Terns, which are listed as endangered by the state of Maryland. Workers installed a floating island, constructed of wooden raft units, in a remote location in Chincoteague Bay on Maryland’s Atlantic coast. During its first season the platform attracted 23 pairs of Common Terns to nest; those pairs hatched 36 chicks.

Passing Proclamations, Resolutions, and Ordinances for Susquehanna community bank locations Municipalities

Over the course of the year, state offices, centers, chapters, and campus chapters across the country successfully obtained native plant or bird-friendly proclamations, resolutions, or ordinances passed in local municipalities, including:

Helping New Orleans Become the First City in the Gulf to Commit to Zero Carbon by 2050

In May the New Orleans City Council voted to adopt regulations that will enact the Renewable and Clean Portfolio Standard, establishing the framework by which the city’s electric utility must transition to net-zero carbon emissions by 2040 and a zero-carbon portfolio by 2050. This decision is the result of more than two years of engagement with the City Council and Entergy New Orleans by Audubon Delta and partner organizations in the Energy Future New Orleans (EFNO) coalition.

Protecting Dunes From Off-road Vehicles in California

The Guadalupe-Nipomo Dunes Complex is the most extensive remaining dunes system on the West Coast, home to migratory shorebirds and many endangered species, including one of the largest breeding sites for Western Snowy Plovers on the Pacific Coast. After years of advocacy by Audubon California and local Audubon chapters—and more than four decades of policy inaction—the California Coastal Commission voted to phase out off-highway vehicle (OHV) access at Oceano Dunes over the next three years to protect this biodiversity hotspot.

Maintaining Water Quality in the Rockies

In July, the Colorado Water Conservation Board voted unanimously to approve temporary instream flow lease to support 43 stream miles of benefits to Big Beaver Creek and White River in Rio Blanco County. In this extreme drought year, water is needed in these waterways quickly, and advocacy by Audubon meridian credit union online personal banking in the Rockies region made sure that this could happen for two vital waterways in Colorado.

Renovating Important Educational Facilities

Audubon Vermont renovated the century-old Education Barn ensuring that the building will remain a part of the rural, agricultural landscape well into the next century. The Barn is the heart of the Green Mountain Audubon Center. The upgrades to the Barn will enhance and improve our ability to offer access to nature, to more people year-round. Local Audubon chapter Green Mountain Audubon owns the land and the barn, and they helped raise the funding for the project.

Advocating for Critical Stewardship Programs in Wisconsin

Wisconsin legislature's Joint Committee on Finance voted to reauthorize the Knowles-Nelson Stewardship Program for four years at $32 million dollars per year. Since 1989, the stewardship program has worked to preserve the natural areas and wildlife habitat that birds need in Wisconsin—including more than 370,000 acres in or near Important Bird Areas, high-priority conservation sites that provide essential bird habitat. Hundreds of Audubon members across Wisconsin spoke up for Knowles-Nelson to their state lawmakers on the importance of land and water conservation to Wisconsin’s birds.

Источник: https://www.audubon.org/news/top-wins-birds-and-people-2021
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Dr. Michael Sanders, DMD DICOI • Dr. Michael Fuller, DDS FICOI Alfred M. Land III, DMD • Alfred M. Land IV, DMD Richard E. Mounce, DDS – Endodontist

13015 Old Glenn Hwy #200, Eagle River, AK 99577 Chugiak-Eagle River Chamber of Commerce 13


Merry Christmas from

27th Annual 28th

Once upon a time there was a dog named Jake. The book store was his home.

Give the Gift of Health this Holiday Season!

Tabitha Anderson [email protected] 907-519-3860

alllifeisyoga.org 907-229-3384

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622-5626 (JOAN) Joan and Lauren Weinburger Hairdresser / Salon Owner 12212 Old Glenn Hwy, Suite 4

6th, 12pm - 5pm & Fri, Dec 3rd, 7th, 10am - 3pm Sat, Dec 4th,

11753 Celestial St. Eagle River, AK 99577

907-622-9276

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that has funny dog Jake is a so much mischief. www walmart money card customer service into 9 boxes of girl scout He has eaten thin mint cookies and lived to tell about it. He drank a whole vat of We a fry daddy. oil from

11401 Old Glenn Hwy Ste 110-E Eagle River, AK 99577 907-694-4660 • [email protected] Monday - Friday 10am-7pm Saturday 10am-6pm

Thanks for shopping locally since 1998

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HAPPY HOLIDAYS AND MERRY MUNCH!

Enjoy Merry Merchant Munch! Al Bowler, Agent 17051 Mercy Drive Eagle River, AK 99577 907-694-7300

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2021

Drop this coloring page off at the CU1 Eagle River Branch before Merry Merchant Munch for a special treat! 11544 Business Blvd, Eagle River, AK 99577

Eagle River

Chugiak-Eagle River Chamber of Commerce 15


Make this Giving Season Simple and Sincere Credit Union 1 is raising funds for the Eagle River Boys and Girls Club, to provide a safe space for local youth to learn and grow.

Text “EagleRiver” to the number 76278 to make a life-changing donation today.


Источник: https://issuu.com/61degrees/docs/2021_mmm_final_page_onlinepgs
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