InUnison Published quarterly for the members of Unison Credit Union Spring 2014 | No. 158 Simplify your finances this spring! Simple is good, especially when it comes to your finances. drive - thru SHRED FEST Wishing there was a less complicated way to manage your finances? Unison can help! Follow these steps to simplify your financial routine. individuals with Easy Pay. Best of all, you can automatically keep track of what you spend and where you spend it for easy review, which makes budgeting so much simpler. Get set up with direct deposit. Have your check directly deposited to your Unison account and save yourself a trip! Ask your employer about having your paycheck directly deposited. Once this is done, stop in at any of our branches and have one of our Financial Services Representatives set up account distributions and enroll you in It’s Me 247 Online Banking. Utilize savings options. Unison offers many accounts and services so you can easily transfer your money from one to another online. Use our sub-share savings accounts to help you with budgeting for expenses or “extras” like a vacation. Use nicknames for each account and set up automatic transfers. Also, remember to pay yourself first! Try to save at least 10% of what you make every month. Automate everything. Once you have direct deposit and It’s Me 247 Online Banking, be sure to take advantage of our eAlerts to receive notices regarding account balances, electronic deposits, withdrawals or when a payment is due. With eStatements, you’ll get an email informing you as soon as your statemement is ready. No more waiting for the mail! Use our text banking to request and receive basic account information via text message when you’re on the go. DON’T SHARE IT, SHRED IT! Saturday, May 10 | 9 a.m. - 11 a.m. Unison Credit Union | 1616 Crooks Ave., Kaukauna What needs to be shredded? • Monthly account or credit card statements • Bills • Old tax returns 10 box maximum per person Shred Fest subject to end when truck becomes full. ▲ • Pre-approved credit card offers • Receipts • Old checks Pay your bills online. By using CUEasy Pay, Unison’s FREE bill pay service, arrange automatic monthly payments for all of your bills! Save time and money by skipping the hassle of stamps, envelopes and physical checks. Set up transfers to creditors, financials or even Consolidate your debt! Do you have credit card debt or outstanding loans? Use the equity in your home to consolidate to one, low monthly payment. We also have lowinterest Visa® Platinum credit card options that could reduce your payment and help you pay your debt down more quickly. Be ready for financial emergencies. It is recommended you set aside six months of living expenses to guard against the unexpected. That may seem unrealistic, but start small. Begin with $500, which is enough to cover the cost of most minor emergencies. Add $100 a month until you reach your goal. Use Unison’s handy online calculators. You will find a link to them on every page of our website, unisoncu.org. They are useful in planning for future needs like saving for college or buying a home vs. renting! Ready to get started? Give us a call at 766-6000 and ask to speak with a Financial Services Representative. We’ll have you keeping it simple in no time at all! InUnison is available in an electronic format. To receive it electronically, please sign up on our website by clicking the envelope icon in the lower left. Or, update your info in It’s Me 247 Online Banking to receive eStatements and get InUnison and monthly eNews automatically. Never miss a promotion or important Unison news!