Strengthen Your Savings.

Tips to help get your finances in shape.

Let’s do this together.

MoneyFit GuideTips to strengthen your savings.

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Are these exercises part of your savings plan?

Avoid late fees with on-time payments.

Be prepared for holiday expenses.

Easily monitor progress. Nickname your accounts through your NetTeller™ online banking.

Let someone else help make you accountable and celebrate your successes.

Take advantage of any employer matched contributions…it’s free money for you and reduces your taxable income.*

Balance your accounts more often to avoid potential overdrafts from transactions you forgot to record. It’s FREE.

Automatically deposits money into your savings account. You establish the amount and frequency. Out of sight…out of mind.

Your money is available for immediate use. Reduces overdraft potential and lost/stolen checks.

Exercises for Saving More Financial Benefits for You

* Consult your tax advisor

Arrange automatic payments for utilities, loan payments, etc. or schedule bill payments through our free Bill Pay.

Open a Christmas Club Account.

Establish a separate savings account for each savings goal.

Discuss your savings goals with your spouse or a close friend and review your progress regularly.

Contribute to your employer’s retirement plan.

Use online banking to review transactions and make transfers 24/7.

Arrange a pre-authorized transfer (PAT) from checking to savings every payday.

Establish direct deposit into your checking account.

Are these exercises part of your savings plan?

Compare your mortgage rate for refinancing potential.

If you pay your credit card balance in full each month, choose a rewards credit card.

Request and inspect your free credit report annually from multiple credit reporting agencies: Equifax,® Experian® and TransUnion®

@www.annualcreditreport.com

Review your investments regularly.

Consolidate high-interest rate loans.

Make an Individual Retirement Account contribution.

Track your monthly expenses.

Choose e-statements.

Take advantage of historical low rates and reduce your monthly payment.

Earn extra rewards, including cash back.

Identify potential errors to protect your credit.

Rebalance your accounts to maintain your strategy.

Save on interest expense with a debt consolidation loan.

Supplement your employer retirement plan and earn a tax benefit.*

Seeing where your money goes is the only way to identify places to save.

Don’t wait for the mail. Review your statement sooner. It’s free and sent directly to your email account.

Financial Benefits for YouExercises for Saving More

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