What Is Overdraft and How Can It Be Prevented?

The first question is easy to answer. What is overdraft? An overdraft transaction is an item that gets paid out of your account even though there are not enough funds in that account at the time the item was trying to clear. As far as how you can … [Read more...]

Insurance Definitions You Won’t Need An Agent to Understand

Imagine being dropped in a foreign land and not having a real grasp on the language they speak. And now imagine having to conduct a business transaction or plan for your financial future without a firm grasp of the language. I often wonder if … [Read more...]

Credit Union News: What to Expect in 2015

I've been giving a lot of thought lately to what 2015 will have in store for the credit union industry and our member-owners.  Here are a few items that I believe will be the focus of credit union news in this new year: #1 - Continued rise in … [Read more...]

4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet]

Who says resolutions have to start on New Year's Day?  Get yourself started whatever day you feel inspired.  I've outlined a few financial goals that you can begin whether it's January 1, August 1 or a random Tuesday in November. #1: Look at the … [Read more...]

What Does Homeowners Insurance Cover? More Than You Think!

There's a television commercial I see often, for homeowners insurance.  As robbers ransack a home, stealing laptops; toasters; and TVs, a stealth ninja follows behind them replacing everything with a shiny new version. While homeowners insurance … [Read more...]

Mobile Banking Is On The Rise

Over the past several years we've seen a huge growth in smartphone and tablet usage. From young kids to older adults, people are embracing new and emerging technology due to its extended capabilities and convenience in our lives. Smartphones and … [Read more...]

CO-OP Shared Branching Makes Traveling Easier

As a credit union employee, one of the things I'm most proud of is that we are so community focused.  In my situation, it's the Lancaster, PA community.  Our members live and work here, financial decisions are made here and we are able to give back … [Read more...]

Spread the Cheer with Your Holiday Club Savings!

We are asked so often during the holiday season to open our hearts and in many cases, open our wallets, to support non-profit organizations.   Red kettles, angle trees, food drives and donation boxes collecting everything from toys and winter coats … [Read more...]

Should You Apply for Department Store Credit Cards?

Did you dive head first into shopping this weekend?  How many times were you asked in the check-out line, "Do you want to apply for our store card and save 5% (or 10% or 15%)?"  What a tempting prospect as you watch the total rack up. But beyond the … [Read more...]

10 Tips for Black Friday Shopping

If you’re one of the millions who will be Black Friday shopping this year, we’ve got some tips for you on how to save both time and money.   Plan Ahead Set a Spending Limit & Stick to It Budgeting is the best way to stay … [Read more...]