6 Tips for Managing Your Accounts this Travel Season
November is here and the race has begun to power through the holidays and into 2015. For many of our members, that means traveling across the country or world to celebrate various holidays with family and loved ones. But before you hop on a plane to grandma’s, it’s important to make sure your finances are in order to avoid late payment fees and accidental overdrafts.
1. Make sure your bills are going to get paid
Your bills aren’t going to wait until you get home, so be sure and schedule them to be paid or pay them ahead of time. Take advantage of Bill Pay inside Online Banking to schedule your recurring items. You can also pay people like babysitters directly through Popmoney with just an email address or phone number.
2. Call us before you leave
Even worse than a lump of coal this season is having your identity stolen. We keep close tabs on our members’ accounts to limit fraudulent activity, so if you’re planning to travel anywhere, give us a call first to let us know. Telling us where you’re headed may prevent an unwanted account or transaction block on your debit or credit card when you arrive at your destination.
3. Take your accounts with you
Be sure and download EECU’s smartphone apps for iPad, iPhone and Android devices. You can access all your accounts, schedule bills to be paid and find the nearest of 55,000 free ATMs anywhere in the world. In Online Banking, you can also set text and email alerts to keep close tabs on transactions and your account balance.
4. Does your account balance meet your needs?
We understand that the amount in your checking or savings account may not be enough to cover your holiday expenses. That’s why we offer special loan rates and opportunities to save during the holidays. If you’re worried about the price tag on your holiday season, give us a call and learn about our latest offers to help pad your account.
5. Make sure you know how much you plan to spend
Between travel costs, food stops and gift buying, the small expenses can really set your budget on a rollercoaster. Outline your spending expectations early so you know how much you can contribute to specific items. This way, you’ll know when you need to really scale back, and you’ll feel less stressed knowing where you came in under budget.
6. Pull all your accounts into FinanceWorks™
If you have a checking account, savings account(s), credit card(s) and other ways of paying for items, it may be difficult to keep an eye on your whole financial picture. With FinanceWorks™ in Online Banking, you can pull all your accounts – even those at other banks or credit unions – into one single planning platform to track all your spending and set specific budget goals.