2023 - A Year of Financial Wellbeing
Visit our APCI FYI Blog every Wednesday as we celebrate a year of Financial Wellbeing. The weekly posts contain APCI eBanking tips and tricks, new scams, security and fraud topics, and other financial wellness content. It’s time for you to take charge of your financial future and wellbeing.
January: Get ready for Tax Season
The Internal Revenue Service (IRS) is encouraging taxpayers to take simple steps to make filing their 2022 federal tax return easier. With a little advance preparation, a preview of tax changes and convenient online tools, taxpayers can approach the upcoming tax season with confidence.
- Get ready by gathering tax records
- Tax Season is coming! Get ready for what’s new in Tax Year 2022
- Take advantage of IRS Resources and Tools
February: Identity Theft
Identify Theft happens when someone steals your personal information. Could you be at risk? What if you become a victim of this crime? What should you do next? Learn more about protecting yourself and how to stay safe online.
March: Smart Savings Tips
If you’re having trouble saving money, you’re not alone. The U.S. personal savings rate has continued to fall over the last two years. In the face of rising inflation and interest rates, people are looking for more ways to save. Whether you’re facing an emergency or just want a financial cushion, each week in March, we’ll provide you with multiple tips for saving money. Sometimes the hardest thing about saving is just getting started.
- General Savings Tips
- Banking, Credit and Debt Savings Tips
- Food & Health Savings Tips
- Home Savings Tips
April: Planning for Retirement
Between longer life expectancies and fewer employers offering traditional pension plans, it’s a good idea to take an active role in planning for your retirement. Retirement savings options could include Traditional and Roth IRAs and share certificates. Don’t pass on the opportunity to get a jump-start on saving for retirement. Save a little now and reap big rewards later.
- Understanding Traditional IRA Accounts
- Understanding Roth IRA Accounts
- Comparing Traditional & Roth IRAs
- Ten Tips to increase your retirement savings
May: Digital Wallets
As technology continues to evolve, devices like smartphones, smartwatches, laptops and tablets have become helpful for completing a range of everyday tasks. With just a few clicks or taps, you can take care of countless daily tasks. And that includes making purchases without needing your physical debit or credit card. One way to do this is by using a digital wallet. During May, learn more about digital wallets, how they work and how they can simplify your money management.
- What is a Digital Wallet?
- How do Digital Wallets work?
- Advantages and Disadvantages of Digital Wallets
- Digital Wallet Safety
- Digital Wallet Options
June: APCI eBanking
APCI eBanking is the digital banking system for our APCI eCU Suite of Electronic Banking Services. Members can access all of the APCI eBanking functionality online or via the APCI eBanking Mobile App. This online solution provides a secure way to access and manage your account with greater convenience that’s easy to use from any device, anytime. During the month of June, learn more about the security behind APCI eBanking and how to use this robust system to manage your everyday banking activities.
- The Security Behind APCI eBanking
- APCI eBanking eAlert Notifications
- Transferring funds is easy with APCI eBanking!
- Keeping Your Credit Union Debit and Credit Cards Safe
The financial impact of the pandemic is far-reaching. Many of us are still feeling it in many ways: in finding work, buying or renting a home, getting loans, and simply making ends meet. And, just as we’re working to regain our financial footing, scammers are trying to take advantage by stealing both money and personal information. Each week in July, we’ll focus on a different scam to keep you informed and safe.
- Avoiding a Scam When you are Looking for a Job
- Rental Listing Scams
- Fake Prize, Sweepstakes, and Lottery Scams
- How To Spot and Avoid Tech Support Scams
August: What to Know About Buying a Used Vehicle From a Dealer
Whether you’re 16 or 60, buying a used vehicle can be an exciting experience. It can also be a big financial commitment, with some industry reports estimating that the average price of a used vehicle is close to $28,000. The more you know going into the dealer, the better you'll feel driving out. Learn more about how to prepare before you buy, make smart purchasing decisions, and feel confident about the vehicle you choose.
September: Payment Plans – What you need to know before you commit
“Buy now, pay later,” rent-to-own, lease-to-own, and layaway plans let you buy things without paying in full right away. Before you say yes to one of these plans, find out the details. Depending on the type of plan you choose, you could end up paying a lot more than you expected.
- Using Buy Now, Pay Later Plans
- Using Rent-to-Own and Lease-to-Own Plans
- Using Layaway Plans
- Before You Use Any Payment Plan
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