Financial Education, Online Banking, Product Features, Saving, Spending

Simple Ways to Keep Your Finances on Track

Managing your money can feel like a big job, but we’re here to help. With a few simple tools, you can protect your money, save more of it, and worry less. Best of all, Cotton Belt FCU offers all of these tools for free.

Here are four easy ways to stay on track:

1. Fight Fraud With Just a Tap

Did you know all Cotton Belt FCU debit card holders have access to Cardguard? It’s a free service inside our online and mobile banking that can help you protect your purchases and stay in control of your debit card:

  • Misplace your card? Lock it right away, then unlock it when you find it again
  • Report a lost or stolen card in seconds
  • Set alerts to track your spending, manage your travel plans, and even change your PIN

Cardguard is free for all Cotton Belt members with an active Visa debit card. To get started, log in to online banking and activate Cardguard today.

  1. Keep Your Finances at Your Fingertips

Haven’t checked out our online banking and mobile app yet? This is your friendly reminder!

It’s free, secure and easy to use, and it offers a range of handy features to help you stay on top of your finances:

  • View your account balances and account activity 24/7
  • Transfer money between your accounts
  • Send and receive money with family and friends using Zelle®

  • Auto-enroll into Cardguard for added debit card and account security. 

And so much more! Learn more about our online and mobile banking and get started now.

  1. Get Paid Instantly

Direct deposit sends your money straight into your account. No waiting on a paper check. No trip to the credit union. You can set up direct deposit for:

  • Your paycheck
  • Government benefits (like Social Security, tax refunds, or unemployment)
  • Pension payments
  • Child support

Just ask your workplace or the office that pays you to set it up. You’ll need your Cotton Belt FCU share draft ID number and our routing number: 282975856.

Best of all, there’s no fee for direct deposit, and your checking account at Cotton Belt FCU has no monthly fee and no minimum balance requirement either – making your finances simpler than ever!

Need help getting your direct deposit set up? Give us a call, we’re here for you. 

  1. Pay Yourself First

Set it and forget it! It’s one of the best ways to save more money without even thinking about it. Simply set up a recurring transfer that moves a set amount (even just $25 a paycheck) into a separate savings account the moment you get paid. 

This is called Payroll Deduction, and it’s free for all Cotton Belt FCU members. Plus, it’s a super flexible way to save – you can change the amount or cancel it any time, and you can have the money transferred into whichever savings account you want. 

We’re Here to Help

No matter where you are on your financial journey, Cotton Belt FCU is here to help you stay on track.

Whether you’re looking for a checking account that fits your everyday needs, building your savings, or planning for your next financial goal, our team is here to answer your questions and help you find the right solutions.

Give us a call or stop by a branches—we’d love to help.

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