- There are many ways to pay for your wedding day, but many times family and savings simply aren't enough. No matter the size of your budget, the one constant is where your cash will come from. While it was customary for the bride's parents to foot the bill in the past, most couples finance their own nuptials today. A reasonable, realistic budget is the essential first step. And like any major…, Why use a wedding loan?, Couples with good credit will likely receive an unsecured loan that doesn't require collateral. Keeping one or both spouses' assets out of the equation naturally expands financial breathing room. It's true money issues, namely debt, can cause a lot of stress in a relationship. Some personal finance professionals advise against taking on personal loan debt for that reason. But, as with any loan,…, Your wedding budget must come first., A realistic budget is a critical step in the entire wedding planning process. The Knot suggests this basic breakdown as a starting point: Reception: 48-50 percent Ceremony: 2-3 percent Attire: 8-10 percent Flowers: 8-10 percent Entertainment/Music: 8-10 percent Photography/Videography: 10-12 percent Stationery: 2-3 percent Wedding Rings: 2-3 percent Parking/Transportation: 2-3 percent Gifts: 2-3…, Why not use a credit card?, Credit cards, especially those with short-term 0 percent annual percentage rates can be particularly attractive for newlyweds-to-be. It can also be particularly troublesome when you quickly rack up debt that could take many years to pay off once that promotional APR disappears and a variable rate kicks in. A high-limit credit card may make you more tempted to stray from the budget, opting for…, How should you use your wedding loan?, Once you have your budget laid out, you've estimated how much money you can save, and put a dollar figure on what you need, you're ready to apply for a wedding loan. You might want to use it as quick cash to pay upfront costs like deposits for the church or reception venue that are often due more than a year in advance. You might use the wedding loan to reserve plane tickets and make reservations…, Can you get a wedding loan with bad credit?, While the rate and term will not be as favorable, you can get a wedding loan with bad credit. If your FICO score's over 680, you're in good shape. If it's under, your approval process may be a bit more difficult – but not impossible. Peer-to-peer lending sites bring together private lenders who make personal decisions on who and what to fund. Basically, it's a chance to explain yourself. If you…, Where do you get a wedding loan?, Careful budgeting and diligent saving are best for your Big Day. But, if you need quick cash for a key contract or even just an emergency fund, wedding loans are the best alternative. Credit unions work with couples so they can celebrate their marriage as the life-changing milestone it is. Big expenses or bad credit shouldn't get in the way. And you deserve the good rates, flexible terms, and…
- 7 Useful Ways to Make Your Credit Card Work for You, Credit cards . Like money itself, they are a great servant and a bad master. We all know at least one person who uses them unwisely. Nobody wants that. Instead, you want to know how to make a credit card work for you the best you can., Check out the list below to learn about some helpful ways to use your credit card., Payment Form, This may seem like an obvious or simple way to use a credit card. However, it's worth noting. When used as a form of payment, a credit card does a few things for you. First, you have a simple way to make purchases using your credit card. Plus, with fraud protection on credit cards, you can do so safely. When you look at your credit card as a form of payment, not a form of financing, you can…, Earn Rewards, When used as a form of payment, a person can stack up rewards over time. The rewards will depend on what kind of card you have. Premium credit cards generally offer more rewards than traditional credit cards. Also, there are different kinds of rewards depending on the card. For instance, some premium credit cards cater to travelers because of their unique needs., Added Safety and Security, When you want added safety and security with your purchases, you may consider using your credit card. With various kinds of fraud and identity theft, having some protection on your purchases can be the difference between a wonderful shopping experience and a terrible headache. Credit cards offer fraud security and added protection against these kinds of threats., Online Purchases, Staying on the topic of safety and security, it's important to highlight online purchases. People are shopping online more than ever. It can be a good way to buy goods and services. However, when you shop online, especially using a public wifi, you may be on an unsecured connection. This leaves your information at risk of theft. The added security and safety credit cards provide can help protect…, Hotel Rooms, You may know the drill when you go to a hotel. The clerk asks you a set of questions upon checking in and asks for a credit or debit card. Many believe they are asked for their card to verify who they are to the hotel. While that may be true, that's not the only reason the hotel asks for your card. In fact, the card is a kind of security deposit for the hotel. They want this information to help…, Car Rentals, This is on the list simply to let people who seldom or never rent cars know how it works. At many car rental companies, they simply won't take a debit card. They have an interest in knowing something about the reliability of the renter. So if the company does take debit cards, they may do a credit check. With a credit card, you avoid the hassles and your credit won't dip temporarily because it's…
- Handling your cash flow gets easier – online!, Moving money is easy with our automated transfer and payment options in digital banking. Not enrolled yet? Click here to get started with digital banking and enjoy the convenience of online banking from your laptop or mobile device anytime, anywhere., Convenient ways to manage your personal cash flow in digital banking include: , , RECURRING PAYMENTS Click, Make A Payment, to pay on your Visions credit card, loan, or line of credit, then check the box to, Make this a recurring transaction, . MULTIPLE SHARES, Add a Share/Certificate, allows you to open additional savings accounts at no cost. Then, use, Funds Transfer, to establish weekly, monthly, or annual transfers to help manage your budget and work towards your savings goals. LINKED ACCOUNTS AND CONTACTS For your accounts at other institutions, you can select, Add External Account, and follow the instructions for convenient External Transfers. Or, for personal payments to people you know, you can use our, Member-to-Member Transfer, feature or, Send Money with Zelle, ®. Plus, all three features allow you to save accounts under a nickname to make future transfers even easier. BILL PAY Instead of mailing personal checks, open our, Bill Pay, feature and click, Add payee, to save your service providers and other payees for convenient future payments. Then, select, Pay now, to schedule your next payment. CARDSWAP If you’re using a single card for payments on multiple accounts, start using, CardSwap, today. This free service enables you to change your preferred card across dozens of accounts – with the click of a button! These digital banking features – and more – can support your financial goals through the convenience of automation. Explore the links below to learn more. If you need assistance with your transfers, payments, or online enrollment, please give our Contact Center a call at, 800.242.2120, . Digital Banking Loan Payment Options Cash Management for Business Accounts
- How to Deposit and Save Your Tax Refund, We love supporting your financial well-being and helping you save money. If you're expecting a refund this tax season, or any tax credit throughout the year, here are some ideas to make the most of it. , SKIP THE MAIL., Paper checks can be delayed or intercepted in the mail, and plastic refund cards often come with restrictions or fees. , CHOOSE DIRECT DEPOSIT., With direct deposit, your tax refund goes straight from the US Treasury into your account. That means it's quick, convenient, and accessible. , Plus, it's easy to set up!, Click here for tips to establish or switch your direct deposit . , STOP SPENDING, START SAVING., If you're thrilled about the cash, you could be tempted to spend it quickly. Before you do, make sure you have plenty of emergency savings to prepare for the unexpected. Experts suggest six months of living expenses as a healthy target. To start saving for emergencies, open an additional savings account today. Ask a representative or simply click, Add a Share/Certificate, in digital banking to get started. , BOOST YOUR DIVIDENDS., Your savings can lead to earnings, especially when those savings are in the right account! Unless you'll need the funds soon, consider depositing your tax return into a share certificate and enjoy a higher rate of return than traditional savings and checking accounts. When you're looking ahead to retirement, you may also want to maximize your IRA contributions for each tax year. Learn more about…, CUT DOWN DEBT., If you have a financial wellness coach or debt counselor , seek their guidance when placing those funds. By using your refund to reduce debt, you might be able to improve your credit. Learn about FICO scores . Refund or no refund, it's always a good idea to review your financial wellness or retirement plan. To get in touch with a nationally accredited counselor and discuss your financial…
- It's checking – plus!, Let's face it. Checking accounts are pretty boring, but totally necessary as (1) the home of your direct deposits and (2) the only way to pay by debit. But what if checking could offer a little more? What if, for example, your checking account could actually make you money? Not as boring now, right? Products like our Flex Checking Plus* offer a few reasons to get excited about typically taken-for…, The first is, yes, this checking account can actually make you money., How? Our Flex Checking Plus account earns dividends like a savings. That's right: Just like your savings grows each month, so too can your checking balance by earning dividends on your balance., Flex Checking Plus can also save you a lot of money. , For starters, all ATM fees anywhere in the U.S. are refunded. That's right: Never get stuck with the fee for using a non-Visions ATM., There are a few other perks as well., Need an official check or money order? Those are free. Making a wire transfer? There's no charge for those either. There are even more pluses to opening a Flex Checking Plus account. Head over to Visions' dedicated page to learn more! *Check out Flex Checking Plus
