6 Tips for Managing Your Accounts this Travel Season

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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.

4 thoughts on “6 Tips for Managing Your Accounts this Travel Season

  1. How do I get the Finance Works site on my phone. I need to learn again how to budget. Will this help me and is it free? Thanks

    • Hi Glenda! FinanceWorks isn’t available on mobile at this time, but it is a free program built into Online Banking. Select the “Manage Money” tab and you’ll see two links under FinanceWorks. Here, you can pull in all your bank accounts, loans and credit cards (both EECU and non-EECU accounts) for a full picture of your finances. You can also set spending goals and track your spending to find out where you need to scale back. You may also benefit from our budgeting worksheets, which can be found by clicking here, or schedule a free appointment with a certified financial counselor (CFC) at any branch. Our CFCs can help you determine the budget or savings goals that fit your unique needs and help outline a road map for getting there. If you would like to schedule an appointment with a CFC, simply call your nearest branch to set one up.

  2. I have tried to go on lines to set up my account it seems that am still doing something wrong, will some one please try to walk me through it thank you

    • Hi Gale! When you have a chance, give us a call at 817-882-0800 and we can walk you through the process step-by-step. Thank you!

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