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Whether you’re the parent or the student – graduating high school represents a new chapter and adventure in your family’s life. With this stage comes newfound freedom and newfound responsibilities, which makes it the perfect time to embrace the first steps towards financial independence by building solid banking and money habits together as a family! Keep reading for our tips to make the transition to college a smooth experience for the entire family.
Create A Budget
Simply stated, a budget is a plan for using your money. Not only do budgets create stability and lessen financial anxiety, but they also help you achieve long-term goals and teach you how to live and spend within your means. If you’re building your first budget, or simply need a refresher on the basics, check out our blog post on Taking Control of Your Finances: Creating a Budget.
Manage Your Finances with an APCO Checking Account
Whether it’s a student’s first taste of financial freedom, or a joint account accessible by parents too, a checking account is an essential tool for managing finances near or far from home. APCO Employees Credit Union Checking Accounts pay interest monthly*, come with a free APCO Visa® Debit Card, and require no minimum balances. Plus, you can manage the account and track spending seamlessly using Digital Banking. The QuickLogin feature inside Digital Banking makes it easy for parents to monitor the accounts you share with your students, without needing to log-out from your primary Digital Banking profile. If you’re also supplementing funds for living expenses and tuition, simply set up transfers from your primary account to the account you share with your children using Internal Transfers. Need assistance with QuickLogin or setting up Internal Transfers? Our dedicated Contact Center is available at 1-800-249-APCO (2726) Monday through Friday, 9am-6pm Eastern, 8am–5pm Central. Calls received outside of these hours will be answered by our after-hours team who can handle basic transaction, balance, and inquiry requests.
Checking Accounts
Build Credit with the APCO Employees Credit Union Visa® Rewards Credit Card
Understanding the responsibilities and benefits of using credit are important factors when establishing a strong financial foundation. College will be here and gone before you know it, and you want to make sure you’re prepared for what comes next. If you’re new to credit or have a limited credit history, a secured credit card can be a good starting point. A secured credit card from your Credit Union is a great way build credit in a safe way, while learning the ins and outs of credit cards! For a quick guide on using credit cards to build credit responsibly, read our blog post Improving Your Credit Score.
The APCO Visa® Rewards Credit Card includes enhanced rewards options, a dedicated online site to view your account, and electronic statement availability, all with no annual fee. Visa is the most accepted credit card worldwide. That means you can use it with confidence anywhere you shop, dine or travel. Plus, Membership in uChoose Rewards® is free as part of your credit card account. uChoose Rewards allows you to earn 1.75% points on every $1.00 you spend that can be redeemed for cash back as a statement credit, shopping, travel, event tickets, gift cards and more. You can also pay with your Rewards at checkout with PayPal at millions of online retailers.
Visa® Rewards Credit Card
Manage it all Seamlessly with Digital Banking
Convenient to use and there when you need it, Online and Mobile Banking from APCO Employees Credit Union are safe, secure and available at no charge. Download the Mobile Banking App today and enjoy your Credit Union’s benefits wherever you are. Here’s what you can do:
Digital Banking
Nationwide Branch & ATM Access
Whether college means a new state, a new city, or maybe just across town, it’s important to know what branch locations are near you. Click here for a list of APCO Employees Credit Union branch locations and hours. Plus – As an APCO Member, you’re provided access to your accounts through the CO-OP Shared Network. That means you have access to more than 30,000 surcharge-free ATMs and 5,600 Shared Branches throughout the country where you can make deposits or withdrawals, and even transfer funds. To find the nearest ATM or Shared Branch:
*Standard message and data rates may apply.
Find Locations
Stay in Control with CardManager
Unfortunately, new environments and experiences sometimes just provide new ways to lose track of your wallet, debit and credit cards. Safeguard your accounts by actively managing your debit and credit cards by defining when, where and how your cards are used – all right from your phone! CardManager sends real-time alerts for transactions enabling you to manage, track and report specific types of transactions. You can customize your experience by setting alerts and controls for:
Lost or misplaced a card? CardManager enables you to turn a card “off” until it’s found. Log-in through the APCO Mobile Banking App today.
CardManager Details
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Whether you’re the parent or the student, graduating high school represents a new chapter in your family’s life. It is the perfect time to embrace the first steps towards financial independence by building solid banking and money habits! Read our tips to make the transition to college a smooth experience for the entire family.
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