Gen Z financial goal #4: It's important for us as bankers to explain how the credit card will help to build credit. " -Michele Roark, United Community Bank Community banks that off er residential loan options have a variety of products and resources for fi rst-time homebuyers. The big challenge is getting that information in front of potential customers. " I think they rely on the news, and they get overwhelmed with hearing that they're locked out of the market, and that is not necessarily true, " says Auen. " It's just being informed of what options are available. And that's where social media and our fi nancial literacy work [are] going to play a big part. " Many banks start with the educational piece, such as building up the resources available on their websites and off ering 48 // ICBA Independent Banker // December 2024 home-buying seminars throughout the year. Cornerstone Bank has made a point to change its approach to appeal to younger customers. Instead of hosting seminars at a branch, the community bank tries to fi nd more engaging locations to make it more informal and fun, such as a brewery or restaurant. Cornerstone Bank is also in the process of developing short educational videos that it plans to start posting on social media by the end of the year. The bank is relying on younger viewers to share information, rather than make it seem like " dad " or " mom " is giving them a lecture on mortgages, adds Auen. Illustration : CACTUS Creative Studio/Stocksy