• Using Technology to Take Control of Your Money Management

    Careful money management allows you to plan for the future, reach goals like home mortgage loans and even vacations, and avoid unnecessary expenses like fees for an overdrawn checking account . Now, money management is easier than ever thanks to technology that puts the information you need at your fingertips. Consider putting this technology to work for you as take control of your finances.

    Online Banking

    Few tools are as easy and as important to money management than online banking. When you sign up for online services from your credit union, you’ll get all of the tools you need to see your account activity in real time and manage your money accordingly. Look at your checking account balance before making a purchase, shift money into your savings account at regular intervals, or simply keep an eye on where your money is going to identify any wasteful patterns. Online banking can help you set and meet savings goals, avoid overdrafts, and always have a full grasp of your financial picture before making decisions.

    Online Bill Pay

    Online bill pay takes the hassle out of paying bills by doing away with the checkbook, envelope, and stamps. Set up payments directly from your accounts without worrying about the check getting lost in the mail. Paying your bills online gives you the security of knowing your payment was received and alleviates concerns about juggling due dates.

    Online Budgeting Tools

    There are a wide range of tools that can be used to build and track your budget online, including apps that you can download to your smartphone. Use these tools to manage your spending and savings goals and to set limits. By plugging your spending habits into your budgeting tool, you can identify areas where you may be able to cut back and save more money to spend on the things you really want.

    If you’re interested in making technology work for you, visit your GCS Credit Union branch for more information. We provide online banking in O’Fallon and much more to help you reach your financial goals. For more information, call (618) 797-7993.

  • Smart Money Advice for Millennials

    If you’re a millennial, you’re just starting to learn how to manage your money and make smart financial decisions. Your credit union is always there to help guide the way. This video also offers some advice.

    One of the smartest things that millennials can do is manage their credit scores. Find out what yours is, and if you don’t have a credit card, talk to your credit union about getting a rewards card and charge only what you can pay off each month. Refinancing student loans and practicing with the stock market before actually investing are also good strategies.

    Young adulthood is the right time to build healthy financial habits for life. At GCS Credit Union , we can help you make smart decisions about checking accounts, auto loans, and more. Find out how our credit union in O’Fallon can help you by calling (618) 797-7993.

  • Making Your Checking Account Work for You

    Who says your money just has to sit in your checking account, waiting for you to spend it? With the checking account options at GCS Credit Union, you can get more from your checking account for less, with free checking options that pay you. Here is what you need to know.

    With Kasasa Cash checking account, you get free checking with up to 2.00% annual percentage yield just for meeting some basic qualification like using online banking and making at least 12 debit card purchases per month. With the Kasasa Cash Back account, you can get up to $6 cash back per month just for making regular purchases. For a no-frills account option, choose Free Classic Checking for access to online banking and bill pay. Students can learn to manage their money with the help of a parent with a free Student Success Account Package added on to a Kasasa Cash Back or Free Classic Checking Account.

    Call GCS Credit Union in O’Fallon today for more information about our member services and how our credit union helps you succeed. You can find out more about becoming a member by calling (618) 797-7993.