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Money Steps You Should Take Now

Higher prices for goods and services also translate to less money in your bank account and less to budget with each month. Fortunately, there are smart money moves you can and should make right now to protect your future, and it all begins with a budget.

Halloween On A Budget

In this blog post, we'll unveil some thrifty and budget-friendly tricks to make this Halloween a spooky success without draining your wallet.

Bill Pay And Voice Pay

Bill Pay is an online service which allows you to pay a person and/or a company through your online bank account. You determine who you want to pay, when you want to make the payment, how often you want to send the payment, and which account you want the payment to come from. It's safe, secure and easy to use.

5 Tips for Maximizing Your New Year’s Resolutions

With inflation beginning to cool, this year might be an excellent time to set your resolutions for meeting your financial goals. After all, we could all use more money in our pockets and bank accounts. To maximize your chances for success, we have some tips to get you started, and you can begin by creating smart goals.

Does Being Frugal Make You Feel Richer?

It's easy to rationalize why frugality makes sense today. We’re seeing higher prices at the pumps, the grocery stores, and everywhere else. When costs climb, it’s time to focus on the things that truly matter and identify those that could wait a bit longer.

How to Protect Older Adults and Loved Ones from Fraud

As autumn draws near, it’s time to consider the holiday season ahead. Although fraud can happen to anyone anytime, it’s especially concerning during the holidays. Older adults and loved ones often feel the brunt of these attacks. The FBI reported Americans aged 60 and older lost nearly $1.7 billion in 2020, with fraud claiming over 92,000 victims that year.

Why Investing in the Stock Market Should Be Your Next Money Move

It's the perfect time to reflect on our financial goals and set ourselves up for success. This year, why not make investing in the stock market your top resolution? Extraco gives you access to a digital investment solution, EasyInvest, directly via our digital banking platform. This way, you can invest like the top 1%, starting from as little as $10.

Switching from Paper Statements to eStatements

Switching from paper to electronic statements is quick and easy! Save paper and reduce clutter by receiving your statements via email instead of the mail. You can view your statements, notices, and all documents through Extraco Banks online banking portal or our app, Extraco eBank.

Why Hiring an Investment Professional is a Good Idea

Like most people, you probably think hiring an investment professional is a waste of money. You might believe using a pocket investor or investment app is just as good — or better — than working with an investment professional. However, this isn't always the case. There are many reasons why hiring an investment professional is a good idea and can maximize your return beyond what fractional investing can achieve.

Personal Debt Ratio Calculator

Use this calculator to quickly determine your debt-to-income ratio. This is the percentage of your gross income required to cover your housing and debt payments.

How Insurance Premiums are Calculated

There isn't a "one size fits all" formula to calculate a premium or price for each person who wants to cover risks on something valuable to them. Insurers refer to known data when they make these decisions. Insurers also look at age, sex and claims history.

How to Find the Right Mentor to Help You Grow

A mentor can be an indispensable resource when you begin a new career or are looking to level up your skills. Mentorship can help you gain guidance to reach personal and career goals. First, you should know a few things about mentors and mentorships before beginning.

Credit Card Debt: How to Know When You’re in Over Your Head

It’s best to avoid going too deep into credit card debt, and the way to do that is with careful planning and by creating a solid budget that you can live with. Knowing what you can reasonably afford and when you’ve reached that point is half the battle to preventing debt.

How Insurance Works

Insurance can help you financially recover if a risk should damage the things you value. Insurance can't prevent something from going wrong, but it can help protect you and your assets from the financial risk if something does happen.

Ways to Save More Money: Tips to find extra funds to save and cut your monthly expenses

If it seems like every news article you read drags you down, and every trip to the gas station and grocery store makes your budget cry, then you’re not alone. Yes, prices are rising. Sometimes it seems like they’re rising daily, but that doesn’t mean you can’t find ways to save more of your hard-earned money. It just means that, at least in today’s market, you sometimes might need to get a little more creative about how you go about saving money. Although this list isn’t all-inclusive, here are several tips to get you started.

How to Improve Your Credit Score

Your credit score is a three-digit number which helps lenders determine the risk of lending you money. If you aren’t getting approved for credit cards or loans, you may need to improve your credit score. Building your credit isn’t a speedy process, but there are several things you can do to start paving the way to a better credit score.

6 Steps to Creating a Great Financial Plan

The biggest mistake in financial planning is not having one. Creating a financial plan is not difficult, but it is daunting! We've broken down the six key steps to the financial planning process.

Are checks really safer than debit cards?

Once you decide to buy something, you then must determine the form of payment you’ll use. Is cash easiest? Will you write a check? Or is your debit card the best way to go? Pros and cons exist for all methods of payment. Many of us decide quickly without thinking through potential fraud or payment protection. 

Maximizing Your Meal Plan: How to Stretch Your College Food Budget

Creativity and mindful spending can help you maximize your college meal plan and food budget. And it can also help you save money for other things you might need throughout the school year. The tips above will help maximize your food budget and stretch your resources further without compromising your nutritional needs.

Your Complete Moving Checklist

There is so much to do when you’re getting ready to move — especially if you’re moving to a new city. This checklist won’t reduce your to-do list, but it can make it easier to avoid forgetting important tasks.

5 African Americans To Celebrate During Black History Month

We’ve got some extraordinary people to tell you about in celebration of Black History Month. We’re thrilled to celebrate these pioneers for all they have achieved and taught us throughout history. These historical figures remain beacons of hope, knowledge, and resolve. Their stories remind us to pursue our goals, dreams, and ambitions with determination, as tomorrow may bring unexpected opportunities.

What Is a Trust Fund?

Trust funds provide a financial safety net for your family in an unexpected tragedy. Creditors cannot access the money you place in a trust fund. However, the fund can pay for funeral expenses, medical bills, and other immediate needs. Trust funds can also ensure that your loved ones have the money they need to care for themselves financially, even after you're gone.