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Financial Wellness Center

Your financial well-being is important to us and we're committed to providing you with the resources to manage your money.

Our financial wellness center is designed to provide visitors with an engaging learning experience around critical personal financial topics, such as building emergency savings, mortgage education and retirement planning.

Checking Accounts

A checking account is a great tool you can use to help you manage your money effectively and responsibly. Financial institutions offer different types of accounts to meet various financial needs. It’s important to compare and understand the features, fees and requirements before opening an account. Learn the basics about checking accounts, including:

  • Checking account features
  • How checking accounts work
  • Debit cards vs. credit cards
LEARN MORE Learn More about Checking Accounts

Credit Cards

Credit cards offer great convenience but also come with great responsibility. Before choosing a credit card, or using one to make a purchase, it’s important to know how they work. Learn more about the benefits and risks of owning and using a credit card, including:

  • Credit card basics
  • Comparing credit card offers
  • Your consumer rights
  • Paying off your balance
LEARN MORE Learn More about Credit Cards

Credit Scores and Reports

Is your credit score helping or hurting you? Credit scores can have a huge impact on your financial wellness. Understand how to read your credit report and receive important tips to keep your score healthy, including:

  • How a credit score is calculated
  • Where you can find your credit score
  • How to protect your credit score
LEARN MORE Learn More about Credit Scores and Reports

Mobile Payments

Technology plays a large role in our lives, and our finances are no different. Mobile payments allow you to make convenient purchases and payments right from your mobile device. Take this Mobile Payments course to learn more about:

  • Mobile payment technology
  • Different types of mobile payment
  • Responsible mobile payment strategies and methods
LEARN MORE Learn More about Mobile Payments

Overdraft

An important part of managing your money is not spending more than you have. Many times, we spend money without thinking about how it will affect our account balances, which can result in an overdraft fee. Overdrawing on your account can create unwanted fees that end up costing you even more money. Take our Overdraft course to learn about:

  • Consequences of overdrawing on your account
  • Facts about unwanted overdraft fees
  • Tips on managing your account balances
LEARN MORE Learn More about Overdraft

Prepaid Cards

Purchases are a part of everyday life.  While most purchases require a checking account or credit card, there is another form of payment that offers more flexibility – a prepaid card. Take this course to learn more about these reloadable cards:

  • Facts about a prepaid card
  • Pros and cons of using a reloadable prepaid card
  • Fees associated with prepaid cards
LEARN MORE Learn More about Prepaid Cards

Savings

A savings account is a great tool to help you manage your money and prepare for the future. Choosing a savings account may seem simple, but it’s important to understand how one works to ensure you’re saving effectively. Our Savings course will cover:

  • Setting savings goals
  • Types of savings accounts
  • Smart saving habits to meet your financial needs
LEARN MORE Learn More about Savings

Build Emergency Savings

If you’re like most people, saving money is easier said than done. A 2016 Bankrate.com survey revealed that nearly two thirds of Americans don’t have enough money saved to cover emergency expenses like a car repair or Emergency Room visit. Life is unpredictable, so it is important to make sure you are financially prepared. Whether you already have emergency savings or are looking to start, learn useful tips regarding:

  • Basic savings planning
  • Ways to start building savings
  • Where to keep your savings
LEARN MORE Learn More about Build Emergency Savings

Estate Planning

No matter how big or small, everyone has an estate, and it’s important to protect it. Estate planning can seem overwhelming, but it doesn’t have to be. Get the facts on the planning process, documents involved and resources available to assist you, including:

  • Basic elements of an estate plan
  • Documents and processes involved in estate planning
  • Specialists who can help design and implement an estate plan
LEARN MORE Learn More about Estate Planning

Retirement 101

With all of life’s expenses, it is easy to put retirement planning on the back burner. In fact, a GoBankingRates survey revealed that 56% of Americans have less than $10,000 saved for retirement.  Whether or not you are actively saving for retirement, it’s never too late to develop or refine your savings strategy. Take our Retirement Savings course to learn helpful tips, including:

  • Tools to help you calculate how much money you’ll need for retirement
  • The power of time and compounding interest to grow your investments
  • Retirement plans and investment vehicles
  • Developing a plan that works for you
LEARN MORE Learn More about Retirement 101

529 Plans

Figuring out how to pay for higher education can seem intimidating. Sometimes scholarships and financial aid may not cover the total tuition cost. This is where a 529 plan can help you pay for higher education. Small amounts of money you set aside each month can make a big difference in the long run. Take our 529 Plans course to learn about:  

  • Saving for higher education
  • Facts about a 529 plan
  • Tips on starting and using a 529 plan
LEARN MORE Learn More about 529 Plans

Financing Higher Education

Paying for college can feel like the toughest part of earning your degree, but it doesn’t have to be. Fortunately, there are many resources available to help you fund your higher education. Learn more about the various loan and financial aid options that you should explore when applying to college, including:

  • Federal financial aid, grants and student loans
  • FAFSA filing process
  • Loan repayment and tax incentives
LEARN MORE Learn More about Financing Higher Education

Auto Loans

Are you considering buying a car, but unsure how to pay for it? According to the Federal Trade Commission, the average price of a new car is over $31,000. Auto loans are a popular way to distribute that cost over time, but it’s important to understand how interest and loan terms affect your monthly payments. Take our short Auto Loans course to learn the facts about:

  • Financing options
  • Fixed and variable interest rates
  • Monthly payment calculations
LEARN MORE Learn More about Auto Loans

Considering Home Ownership

Owning a home is a major financial decision that can feel exciting yet intimidating. It’s important to explore the benefits and costs associated with homeownership.  Review these important tips to prepare yourself before you start the home-buying process, including:  

  • Pros and cons of home ownership
  • Common costs associated with home ownership
  • Steps to get started with the home buying process
LEARN MORE Learn More about Considering Home Ownership

Mortgages

There is a lot to understand when it comes to mortgages – the terms, forms and processes. With all these elements, having a mortgage can seem overwhelming. Get the information you need in order to prepare yourself for the mortgage application and home-buying process, including:

  • Mortgages costs and considerations
  • Different types of mortgages
  • Applying for a mortgage
LEARN MORE Learn More about Mortgages

Mortgage Modifications

Whether you’re getting ready to buy your first home, a current homeowner looking to reduce payments, or maybe you’re behind on payments and need help — it’s good to know your options.

Find out how you can leverage mortgage modifications to prevent future financial strain and alleviate any you may already be experiencing. Take our short Mortgage Modifications course to become an expert on:

  • Mortgage modification options
  • How late payments affect you
  • Delinquency, grace periods, and foreclosure
LEARN MORE Learn More about Mortgage Modifications

Payday Loans

Payday loans can provide relief when cash is needed for unexpected emergencies. It’s important to be cautious when considering this alternative as the fees can add up quickly. Make sure you have all the facts before deciding if a payday loan is the best option for you, including:

  • How payday loans work
  • Associated fees
  • Regulations to protect consumers
LEARN MORE Learn More about Payday Loans

Budgeting Tool

Did you know that only about 1/3 of Americans maintain a household budget? Understanding how you’re spending money is the first step in reaching your financial goals.

Whether you’re an experienced budget keeper or are just getting started, you can use our online Budgeting Tool to:

  • Track your monthly expenses
  • Better understand your spending
  • Adjust spending to reach financial goals
LEARN MORE Learn More about Budgeting Tool

Identity Protection

Identity theft and consumer fraud can happen in an instant, so it’s important to protect yourself. Learn about simple tips and tools you can use to reduce your risk of identity theft and protect your financially sensitive information. Our short interactive course will equip you with important knowledge regarding:

  • Consumer fraud and identity theft
  • Prevention and protection tips
  • How to respond to identity theft
LEARN MORE Learn More about Identity Protection

Insurance

Life is unpredictable. An insurance plan is a key element of any financial strategy to ensure that your assets are protected. There are various types of insurance plans, and it is important to understand the features and benefits of each type. Learn how to evaluate your plan with our short learning course that covers:

  • Types of policies
  • Common costs
  • Processing claims
LEARN MORE Learn More about Insurance

Taxes

Taxes.  They are an annual process that everyone has to complete, but very few truly understand them. Take our Taxes course to learn exactly what taxes are and the basics that will help you master the process, including:

  • Types of taxes
  • Necessary tax forms
  • How taxes impact your paycheck
LEARN MORE Learn More about Taxes

When to Collect Social Security

Do you know where your income will come from after you retire? Social Security benefits can be a key source of money for retirees.  Take our Social Security lesson to learn how you can prepare yourself for a comfortable future:

  • Defining full retirement age
  • Collecting benefits before, at, and after your full retirement age
  • Steps to implement when you’d like to start collecting benefits
LEARN MORE Learn More about When to Collect Social Security

Investments

Investing can be intimidating, but it doesn’t have to be! Investing can help you reach both short and long-term financial goals, putting you on a path to financial success. Learn more basic investment concepts and strategies to help you make the right decision, including:

  • How interest works
  • Investment vehicles and strategies
  • Building diverse portfolios
LEARN MORE Learn More about Investments

Getting Started with Options

Looking for ways to meet your investing objectives? Options can help investors generate income and protect their portfolios, but they are not for everyone. Learn the basics about options to help you decide if they have a place in your investment strategy, including:

  • Understanding exchange-listed options
  • How options work
  • Why investors should consider options
LEARN MORE Learn More about Getting Started with Options

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