Claim OwnershipAmeriServ Presents: Bank Chats
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© 2026 AmeriServ Presents: Bank Chats
Description
Financial education shouldn't be boring! Bank Chats combines a relaxed conversational style with experts from various fields to talk about banking and finance using terms that everyone can understand.
DISCLAIMER
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated.
58 Episodes
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Comment via Text Message Holiday magic fades; the bill does not. On this episode of Bank Chats, we dig into credit cards—where they shine for fraud protection, travel, and big-ticket purchases—and where they can bite you, with interest, fees, and credit score dings. Don't forget to follow the show, share it with a friend, and leave a quick review. What should we unpack next? Credits: An AmeriServ Financial, Inc. Production Music by SchneckMind Hosted by Drew Thomas and Jeffrey Matevish...
Comment via Text Message The calendar flipped to 2026, but those holiday charges didn’t disappear. We unpack how financial stress shows up in your body—lost sleep, headaches, tight chest—and why naming the exact trigger is the fastest way to shrink fear and regain control. From rent and utilities to weddings, new babies, and college bills, we map the common pressure points and show how a simple plan can help steady your mind. You’re not alone—many people feel this squeeze after the holidays. ...
Comment via Text Message Counterfeit cash feels like a throwback crime until it hits your register or wallet. Though you may never encounter a counterfeit bill, the amount in circulation would probably shock you. We unpack which bill is the prime target, how counterfeit networks operate, and what actually happens when a fake sneaks into everyday transactions. Don't forget to share the episode with a friend who handles cash, subscribe for more clear-eyed money talk, and leave a review with yo...
Comment via Text Message Holiday spending doesn’t have to wreck your January. We take a clear, no-jargon look at the 50/30/20 budgeting framework and show how to make it work when life gets messy, prices rise, and traditions add extra costs. From right-sizing housing to rethinking commutes, we map out practical ways to protect the essentials while still enjoying the season. Be sure to follow the show, share it with a friend who needs a budget reset, and leave a quick review to help others fi...
Comment via Text Message In this episode of Bank Chats, Drew and Jeff unpack why the Mint stopped producing pennies, what the proposed Common Cents Act would change, and how rounding cash transactions actually works. We weigh business losses, consumer fairness, and lessons from Canada while sharing practical steps for shoppers and banks. Be sure to drop us a comment, we’d love to know what you think about the penny going away. Credits: An AmeriServ Financial, Inc. Production Music by ...
Comment via Text Message Side hustles promise freedom and extra cash, but the real story lives in the details: taxes, time, wear and tear, and the quiet risk of burnout. From delivery apps and service work to rentals, flips, and reselling, we unpack what “profit” looks like after you count everything that doesn’t show up in the app’s payout screen. Throughout, we come back to one test: calculate your true hourly earnings after taxes, expenses, and energy. Pick gigs that build skills, fit you...
Comment via Text Message Fear sells, but it rarely informs. We wanted a grounded take on AI: what it actually does today, where it goes wrong, and how banks and consumers can use it without getting burned. With guest John Valkovci of Saint Francis, we unpack generative AI’s strengths, the reality of hallucinations, and why data quality and model choice matter more than hype. No sci-fi doomsday, just candid mechanics and practical guardrails. Credits: An AmeriServ Financial, Inc. Production&nb...
Comment via Text Message Think playing solitaire can pay the rent? We take a look at the booming world of “get-paid-to-play” mobile apps—reward platforms, “skill-based” tournaments, and lottery-style games—and ask the only question that matters: how much can you actually earn? Drew and Jeff share firsthand experiences; unpack how early milestones hook you with small wins; and explain why minimum cashouts, token expirations, and transfer fees quietly shrink your payout. Be sure to follow the ...
Comment via Text Message Money surrounds us every day, but how often do we stop to consider what it actually is? From the salt-based currencies of Ancient Rome to the digital cryptocurrencies of today, the concept of value has undergone remarkable transformations throughout human history. We dive deep into the foundations of modern monetary systems, exploring how virtually all global currencies now operate as "fiat money" - valuable only because governments declare them so. Before 1971, Amer...
Comment via Text Message Think you're too tech-savvy to fall for a scam? Think again. Young adults between 20-29 are now losing money to fraud more frequently than seniors—a startling reversal of what many assume about scam victims. As students flood back to campuses nationwide, they're walking into a minefield of sophisticated schemes designed specifically to exploit their unique vulnerabilities. In this eye-opening episode of 2 Cents, we dive deep into the alarming world of student-targete...
Comment via Text Message A true example of win-win. The Employee Real Estate Construction Trust (ERECT) Funds have been helping finance commercial real estate projects for over 3 decades. On this episode of Bank Chats, Drew and Jeff sit down with Senior Vice President and Director of Specialty Real Estate, Justin Maser, to talk about this pool of funds, as well as how the development of even one commercial real estate building can have a ripple effect on the surrounding area. Resources: The E...
Comment via Text Message It's that time of year again, back-to-school shopping is in full swing. Many parents dig deep in their pockets to purchase school supplies, new outfits, and the latest tech gadgets for their child(ren). On this episode of 2 Cents, Drew and Jeff chat about various tips and tricks they found for back-to-school shopping that could save you time, headaches, and money. Resources: Honey College Budget Breakdown (Article) View in stock products across websites - nowinstock.n...
Comment via Text Message On this episode of Bank Chats, Drew and Jeff welcome back John Valkovci from Saint Francis University to chat about the evolution and current state of cryptocurrency. John fills us in on new policies/regulations surrounding digital assets, as well as the concept of tokenized bank deposits. Credits: An AmeriServ Financial, Inc. Production Music by SchneckMind, powered by Suno Hosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more a...
Comment via Text Message Have you ever really looked at a dollar bill? Not to see if a previous owner doodled something in the corner, or if there are too many creases for a vending machine to accept it. On this episode of 2 Cents, Drew and Jeff chat about the plethora of symbolism that can be found on US currency. Did you know those fine lines in the corners of a dollar bill serve a purpose? Do you know where that bill was printed? Or that George Washington wasn't always on the front of the ...
Comment via Text Message Competing in the Olympics is a dream many athletes strive to reach, but at what cost? On this episode of Bank Chats, Drew and Jeff sit down with Team USA Skeleton slider, Dan Barefoot, to chat about the sport, his journey, and what it takes physically, mentally, and financially, to pursue a dream in the sport of Skeleton. Dan's story is one you want to hear! Resources: projectpushtogoldfund.org Barefoot on Ice Credits: An AmeriServ Financial, Inc. Production Music by ...
Comment via Text Message The summer travel season is upon us, so Drew and Jeff decided to share some tips and tricks to hopefully help you save some money on vacation, and keep the money you do bring with you safe. Resources: Timely Tips - Vacation and Travel Security AmeriServ Bank Credits: An AmeriServ Financial, Inc. Production Music by Rattlesnake and Millo Hosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.co...
Comment via Text Message May is Internal Audit Awareness Month, and to celebrate, we invited our Chief Auditor, Laura Fiore, to the podcast to chat about the audit profession. Laura dives into the key differences between internal and external auditors, and maps out how the role of internal auditors spans the entirety of a company. How can an internal audit department benefit your company? Find out in this episode! Resources: The Institute of Internal Auditors FFIEC Credits: An AmeriServ Finan...
Comment via Text Message A topic of discussion in recent news, tariffs, specifically import tariffs, may affect your spending habits in the not too distant future. On this episode of 2 Cents, Drew and Jeff talk tariffs. Why are tariffs put into place? Who pays these taxes, and how do they affect consumers? Find the answer to these questions and more in this episode. AmeriServ's Website: https://www.ameriserv.com/ Credits: An AmeriServ Financial, Inc. Production Music by Rattlesnake an...
Comment via Text Message April is an exciting month in finance. Not only is April Financial Literacy Month, but April 7th-11th is America Saves Week, AND April 24, 2025 is Teach Children to Save Day! On this episode of Bank Chats, Drew and Jeff chat with Kerri Mueller and Randy McLaughlin on the topic of savings, and how to make saving money fun and easy for children of all ages. Resources: Financial Library Teaching Kids Finances Credits: An AmeriServ Financial, Inc. Production Music by Ratt...
Comment via Text Message There are different categories of value. Goods and services that you pay for have a value, but so do your family photos. Sure, Drew may not place value on Jeff's family portrait, but there is sentimental value to Jeff. On this episode of 2 Cents, Drew and Jeff chat about monetary value, and how the value of certain goods and services have changed over the decades. AmeriServ's Website: https://www.ameriserv.com/ Credits: An AmeriServ Financial, Inc. Production ...
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