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6/29/2020

E-Banking tips on how to stay within budget

Your favorite store is having a can’t-be-missed flash sale for the next few hours. Yes, it’s tempting. But you’ve got financial goals you want to reach – and you want to be conscious about where your dollars are going. 

Did you know that in our Financial Bliss Survey, 2 out of 3 consumers said saving money brought them more happiness than spending it? If you need a little assistance saving money, you’re in luck! As an e-banking champion, you have easy access to products and tools that can help you manage your spending so that you can get where you want to be. 

Stop spending too much money and start saving more by using these banking strategies:

Track your spending

Monitoring how you use your money can help you identify areas for improvement. One of the benefits of online banking is that you can review your bank statements 24/7 – you don’t have to wait until the end of the month. Could you spend less on non-essential items and put that money in your savings account? 

Use a debit card

Credit cards can make it too easy to spend money you don’t have. Consider using a debit card instead. Your spending will be limited to the cash you have in your bank account. It can help you avoid overspending and going into debt. 

Set up alerts

Some credit cards give you the option to set up email and text alerts to help you keep your spending in check. You can set up an alert to let you know when your balance gets too high, when a purchase is over a specified amount or when you’re close to maxing out your card. 

Pay yourself first 

Save your money before you have a chance to spend it by automating your savings. Link a checking account to your savings account and set up an auto-transfer, so funds are transferred directly to your savings on a regular basis.  

Apply debit card controls


Debit cards are not only convenient, but many banks offer apps that can help you manage how you use them. Set threshold limits, turn your card on and off, establish transaction usage types and more.

Spending money is necessary and buying things we want is fun, but overspending can derail your path to financial wellness. These e-banking strategies can help you manage your money as you work toward your goals.