Smart Banking

You've worked hard for your money. Now, it's time to save smart by banking smart. A savings account can...
keep your money safe
help you earn more money
cash your check
provide access to your money

A bank or a credit union is a safe place to stash your cash. Your account is insured by the federal government. Your account will be interest-bearing. That means that your money earns interest when it's on deposit in your account.

At a credit union, you need a minimum balance. But, you do not pay for an account. At most banks, you pay for the convenience of a bank account. The financial services they offer are just like a bank.

A bank might offer free checking if you are a shareholder or if you use direct deposit for your paycheck. So, shop around and find an financial institution that fits your needs and your budget.

Don't be fooled by the easy of using ATM machines! Whether you select a bank or a credit union, don't let ATM machine fees take a bite out of your hard, earned savings. The convenience of using automated teller machines is an increasingly pricey one. Use them sparingly. Most banks and credit union charge you to use other institution's machine but not there own. Check into the fees before you use the ATM machine.