Your FNB Blog

If you have just started a job or find yourself struggling and living paycheck to paycheck, then keep reading.

There is a word I need you tofocus on…. BUDGETING.

Although it is not the most fun or easiest concept, for some of us, it is a necessary tool for another not so fun word, ADULTING.

When budgeting there are a few things you can do to be successful:

1. • Open a Kasasa Cash or Cash Back account and a Kasasa Saver account to earn cash back rewards and interest.
2.  
   • Calculate the money you make each month.
3.  
   • Calculate your bills for the month: rent, utilities, groceries,   insurance, etc.
4.  
   • Deduct your bills from the money you earn.
5.  
   • Use the 50/30/20 rule each pay check: 50% to needs, 30% to wants, and 20% to savings. 
6.  
   • IF you are not a fan of the 50/30/20 rule then set aside a certain amount to save each month. Put aside what you feel comfortable with.
     • Starting somewhere, even a small amount is better than nothing at all, and  if you have the right account (cough cough Kasasa Rewards Checking + Kasasa Saver) it will accumulate over time.
7.  
   • Use a recommended app (provided below) for budgeting
8.  
   • Keep some money off aside for you to enjoy life!

Simple. Right? Not always…

Lucky for you, a Kasasa Rewards Checking + Kasasa Saver accounts allow you to earn a percentage of your money, while it sits pretty in your account waiting for the day you need it.

Take that stimulus money and put in a Kasasa Saver, cher!

Start budgeting and saving now just in case a new pandemic comes out.

       It is 2021.

 Anything is possible.

Recommended apps: Mint, PocketGuard, Wally 

*Kasasa Cash: *Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by us as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 3.00%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 3.00% to 0.50% APY depending on the account’s balance and (2) you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 8/12/2015. Rates and rewards are variable and may change after account is opened at our discretion. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $100.00 minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of  these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. Limit [1] account per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.

*Kasasa Cash Back: *Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by us as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $300.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented [within thirty (30) calendar days of transaction] for reimbursements of individual ATM fees of $4.99 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened at our discretion.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $100.00 minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. Limit [1] account per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.

*Kasasa Saver: *Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by us as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle: Kasasa Saver: Balances up to$25,000, receive APY of 1.00%; and balances over$25,000 earn 0.25% interest rate on the portion of balance over$25,000, resulting in a range from 1.00% to 0.40% APY depending on the account’s balance. Kasasa Cash: Balances up to $10,000 receive a non-compounding APY* of 2.96%; and balances over$10,000 earn 0.25% interest rate on the portion of balance over$10,000, resulting in a non-compounding range from 2.96% to 0.50% APY* depending on the account’s balance. Kasasa Cash Back: 3.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash or Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.01% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.01%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield.  APYs accurate as of 8/12/2015. Rates and rewards are variable and may change after account is opened at our discretion. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $100.00 minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of  these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. Limit [1] account per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.