Many people still struggle to keep track of their checking account balance. Thanks to online banking, mobile apps and text banking, we have even more ways to keep in touch with our money. Therefore, you may think, who needs to record every purchase when you can check your available funds using your phone, right? Wrong.
We still need to use the basics of the checks and balance system in order to stay away from costly (not to mention embarrassing) overdraft fees
1) Record your purchases & withdrawals (especially when using debit cards)
Keeping up on your checking account balance is recording how much you’ve spent, that is where your check register comes in handy. Glancing at your available balance on the Reliabank mobile app isn’t enough. Here’s one reason: checks don't come in in the order you write them. By looking at your balance and seeing that check number 2501 came in and your balance is $200 doesn't mean you still have $200 to spend, look to see if the other check numbers around it have come in also. Perhaps #2499 hasn't come in yet that your wrote for $75, therefore you really only have $125 left in your account. Also, many times people forget to write down their debit card purchases because oftentimes receipts get put in the wallet or purse never to be seen again. Make sure you record every debit card purchase.
2) Record deposits
Tracking your deposits is equally important because otherwise it’s impossible to keep an ongoing, accurate picture of your cash flow. It’s also important to know when deposits clear. Suppose you’re at the mall when you suddenly come across a shirt you've been wanting and it's on SALE! You deposited a check the day before, but you can’t remember when it will clear. Time to log into the Reliabank eMobile Banking app or contact Reliabank and make sure you can make the purchase. If the check hasn’t cleared, at least you’ve saved yourself some embarrassment at the checkout counter.
3) Calculate your balance
The final step is to calculate your balance by subtracting outstanding expenses – anything that hasn’t cleared yet – from your account balance. If the bank says you have $750 in checking but your rent check and credit card bill are still out there, your effective balance is actually lower. Consider using Online Bill Pay to schedule these types of payments so you know exactly when they’ll be taken out of your account.
Tuesday, September 18, 2012
Friday, August 31, 2012
Take Us With You Anytime, Anywhere!
First there was telebank, then online banking, then eMobile banking, and now we are happy to announce that we have a phone app to make it even easier to keep in touch with your finances - no matter where you may be!
This app is available when you download the Reliabank Touch Banking app for your iPhone, Android or BlackBerry. It takes all the great features from Online Banking and puts them into an easy-to-use tool that offers a high level of security to keep you safe.
Transfer money, check your account balances, pay bills and find Reliabank ATM locations all right at your fingertips.
It's easy! All you need to do is log in to your Reliabank online banking account, click on Services, and eMobile Banking.
Requirements: To use the Touch Banking downloadable application, your mobile device must have an operating system that supports application downloads and may require a data service plan. You download the Touch Banking application using the link sent by SMS text message during the enrollment process.
We highly encourage you to visit our online demo that offers step by step video instructions on how to load this app to your phone. View Demo Here
This app is available when you download the Reliabank Touch Banking app for your iPhone, Android or BlackBerry. It takes all the great features from Online Banking and puts them into an easy-to-use tool that offers a high level of security to keep you safe.
Transfer money, check your account balances, pay bills and find Reliabank ATM locations all right at your fingertips.
It's easy! All you need to do is log in to your Reliabank online banking account, click on Services, and eMobile Banking.
- If you have not previously signed up for eMobile Banking you will need to follow the instructions on screen.
- If you are already signed up for eMobile Banking simply select Manage Devices and Change my Mobile Services and select the downloadable application.
Requirements: To use the Touch Banking downloadable application, your mobile device must have an operating system that supports application downloads and may require a data service plan. You download the Touch Banking application using the link sent by SMS text message during the enrollment process.
We highly encourage you to visit our online demo that offers step by step video instructions on how to load this app to your phone. View Demo Here
Monday, July 23, 2012
Reliabank Offers iHELP Student Loans
iHELP is an affordable student loan program sponsored and funded by local independent community banks such as Reliabank.
iHELP student loans are the easiest and most affordable way to cover your child's cost of education. It is designed for the "gap" between the cost of education and the amount you can borrow under the federal programs. The iHELP® program provides private student loans designed to supplement, but not replace scholarships, grants and other financial aid including Federal Student Loans currently offered on college campuses.
iHELP's online pre-approval process allows a student and family to quickly and easily determine if they will qualify for a private student loan.
Visit iHELPloan.com to learn more. Offer expires August 31.
iHELP student loans are the easiest and most affordable way to cover your child's cost of education. It is designed for the "gap" between the cost of education and the amount you can borrow under the federal programs. The iHELP® program provides private student loans designed to supplement, but not replace scholarships, grants and other financial aid including Federal Student Loans currently offered on college campuses.
iHELP's online pre-approval process allows a student and family to quickly and easily determine if they will qualify for a private student loan.
- The pre-approval response is free and immediate
- The pre-approval can be used at any iHELP eligible school
- It's easy!
Visit iHELPloan.com to learn more. Offer expires August 31.
Friday, July 20, 2012
Our VISA Goes Where You Go
Reliabank VISA® Card - A Great Value Right Here At Home
We focus on the needs of our customers and our community. That's why we provide you with the quality service you deserve and expect. So, carry a little bit of home with you, wherever you go.
We focus on the needs of our customers and our community. That's why we provide you with the quality service you deserve and expect. So, carry a little bit of home with you, wherever you go.
What do you need from a credit card? Low rates? Travel benefits and other incentives?
Did you know Reliabank offers Visa® Credit Cards for personal use?
Our credit cards offer the following features:
Our credit cards offer the following features:
- The perfect card for all of your purchasing needs.
- Our VISA® Platinum or ScoreCard VISA® gives you the ability to buy needed items now
- 0% APR introductory rate for the first six billing cycles after the account is opened
- Worldwide acceptance
- No Annual Fee
- Obtain Cash at over 700,000 ATM's worldwide
- $1,000,000 Travel Accident Insurance coverage
- Auto Rental Insurance
Visa® ScoreCard earns you 1 point for every $1 in qualifying purchases. Visit http://www.scorecardrewards.com/ for your reward options.
Stop by any Reliabank location for more details or apply online. It's easy! Click here for application
NOTICE: Reliabank is not responsible for and has no control over the subject matter, content, information or graphics of websites linked to Reliabank.com.
Friday, June 29, 2012
Planning Ahead Can Help You Keep Your Money Safe
It's the kickoff of summer, and with many Americans planning to hit the road or the skies for their much-anticipated summer vacation, Reliabank and the Independent Community Bankers of America (ICBA) want consumers to have the information they need before they leave home to keep their money safe.
“Whether your summer vacation takes you to the other side of the globe or just to the nearest beach, it’s always important to protect your money while you travel,” said Jeff Gerhart, ICBA chairman and chairman of Bank of Newman Grove, Neb. “Relationship-focused community bankers can work one-on-one with their customers to prepare them for all kinds of emergencies, from a lost wallet to identity theft.”
Financial professionals agree that the safest and most convenient way to travel with your money is to take a small amount of cash with you. It’s also a good idea to carry a debit, credit or ATM card. These cards are convenient while traveling because they are easy to carry, easy to use and often offer the lowest fees and the best exchange rates. Reliabank's debit card and credit card are both free to customers. As a member of the MoneyPass network, our customers can use their debit cards to withdraw cash free of charge at MoneyPass ATM's nationwide.
However, travelers still need to plan ahead to be prepared. To help, Reliabank offers these tips to consumers about what they need to take care of before they take off:
• Let us know when and where you will be traveling to avoid account holds or transaction rejections when out-of-the-ordinary transactions are presented for processing or posted.
• If you're traveling overseas, keep in mind that ATMs in many countries only accept four-digit personal identification numbers (PINs) and some countries have keyboards with numbers only, while others do not acknowledge zeros. Ask us if you should create a new PIN for your account before you take your trip.
• Carry a back-up card that you keep in a separate place. Families or couples may get even greater back-up coverage if each person takes a different card.
• Make copies of all the cards you’ll be carrying. Be sure to copy the front and back of the card. Take a copy with you and give a copy to someone you trust back home. Be sure to also include the security code for the card and the customer service phone number.
• Set up transaction alerts for credit and debit cards. This will allow you to be informed much faster of any transactions that occur on your cards and shut down fraudulent activity.
• Bring a list of emergency phone numbers, but remember, 800 numbers can only be used in the United States and Canada.
• Many credit cards provide travel accident insurance and traveler’s assistance. Ask us what special services are available through your card.
• Check your balance before you leave. Know the limits on how much you can withdraw. Save all your receipts.
• Thoroughly check any ATMs that you use; fraudsters are increasingly altering the facades of ATMs in an effort to capture card data. Ensure the card reader does not look tampered with and pull on it to ensure it’s not a layover.
“Remember, in the event that something unfortunate does happen, community bankers are always just a phone call away, ready and able to help their customers,” said Gerhart.
For more information about what to do if you your card is lost or stolen or if you need additional help, visit http://usa.visa.com/personal/using_visa/travel_with_visa.html or http://www.mastercard.us/support/lost-card.html.
To learn more about ICBA, visit http://www.icba.org/. To find a community bank or download our free community bank locator mobile apps for your iPhone, Android or BlackBerry, visit http://www.banklocally.org/.
“Whether your summer vacation takes you to the other side of the globe or just to the nearest beach, it’s always important to protect your money while you travel,” said Jeff Gerhart, ICBA chairman and chairman of Bank of Newman Grove, Neb. “Relationship-focused community bankers can work one-on-one with their customers to prepare them for all kinds of emergencies, from a lost wallet to identity theft.”
Financial professionals agree that the safest and most convenient way to travel with your money is to take a small amount of cash with you. It’s also a good idea to carry a debit, credit or ATM card. These cards are convenient while traveling because they are easy to carry, easy to use and often offer the lowest fees and the best exchange rates. Reliabank's debit card and credit card are both free to customers. As a member of the MoneyPass network, our customers can use their debit cards to withdraw cash free of charge at MoneyPass ATM's nationwide.
However, travelers still need to plan ahead to be prepared. To help, Reliabank offers these tips to consumers about what they need to take care of before they take off:
• Let us know when and where you will be traveling to avoid account holds or transaction rejections when out-of-the-ordinary transactions are presented for processing or posted.
• If you're traveling overseas, keep in mind that ATMs in many countries only accept four-digit personal identification numbers (PINs) and some countries have keyboards with numbers only, while others do not acknowledge zeros. Ask us if you should create a new PIN for your account before you take your trip.
• Carry a back-up card that you keep in a separate place. Families or couples may get even greater back-up coverage if each person takes a different card.
• Make copies of all the cards you’ll be carrying. Be sure to copy the front and back of the card. Take a copy with you and give a copy to someone you trust back home. Be sure to also include the security code for the card and the customer service phone number.
• Set up transaction alerts for credit and debit cards. This will allow you to be informed much faster of any transactions that occur on your cards and shut down fraudulent activity.
• Bring a list of emergency phone numbers, but remember, 800 numbers can only be used in the United States and Canada.
• Many credit cards provide travel accident insurance and traveler’s assistance. Ask us what special services are available through your card.
• Check your balance before you leave. Know the limits on how much you can withdraw. Save all your receipts.
• Thoroughly check any ATMs that you use; fraudsters are increasingly altering the facades of ATMs in an effort to capture card data. Ensure the card reader does not look tampered with and pull on it to ensure it’s not a layover.
“Remember, in the event that something unfortunate does happen, community bankers are always just a phone call away, ready and able to help their customers,” said Gerhart.
For more information about what to do if you your card is lost or stolen or if you need additional help, visit http://usa.visa.com/personal/using_visa/travel_with_visa.html or http://www.mastercard.us/support/lost-card.html.
To learn more about ICBA, visit http://www.icba.org/. To find a community bank or download our free community bank locator mobile apps for your iPhone, Android or BlackBerry, visit http://www.banklocally.org/.
Thursday, June 21, 2012
Wild Month at Reliabank
It has most definitely been a wild and crazy month here at Reliabank!
Today we gear up for our annual Hot Dog Days in Hayti where our employees will be grilling out and serving up some fun! If you're in the area, come join us at the fire hall from 11am-1pm. Tomorrow we fire up the grill in Hazel from 11am-1pm. Stop by so we can say "Hello!"
Saturday tops off the busy month of June with our Super Eagles Kids Club Zoo Day. We'll see many of our little super savers enjoying pizza and touring the Bramble Park Zoo in Watertown. A great day for family!
And don't forget our summer SMART BANK SMART PHONE promotion where you could win one of seven smartphones! Click Here to Learn More!
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| Poker Alice Band plays to a crowd during our 15th Anniversary party |
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| Kids gathered around Reliabank's Duck Pond during Rodeo Days festivities |
On June 14th we held our 15th Anniversary party in Watertown during the Thursday Night Light event. Our employees served up sirloin sandwiches to over 500 people and The Poker Alice Band played for everyone's entertainment. A beautiful evening was icing on the cake!
We then moved on to celebrate Rodeo Days in Estelline, Jamboree Days in Hartford, and Tea Pot Days in Tea this past weekend. Great turnouts at all these community events and we thank everyone that attended the parades and stopped by our booths to check us out.
Today we gear up for our annual Hot Dog Days in Hayti where our employees will be grilling out and serving up some fun! If you're in the area, come join us at the fire hall from 11am-1pm. Tomorrow we fire up the grill in Hazel from 11am-1pm. Stop by so we can say "Hello!"
Saturday tops off the busy month of June with our Super Eagles Kids Club Zoo Day. We'll see many of our little super savers enjoying pizza and touring the Bramble Park Zoo in Watertown. A great day for family!
And don't forget our summer SMART BANK SMART PHONE promotion where you could win one of seven smartphones! Click Here to Learn More!
Wednesday, June 6, 2012
Win With Reliabank!
Looking for a high interest checking account with no minimum balance? Then you will want to check out our Smart Bank Smart Phone summer promotion!
It's simple. Open an Ultimate Checking account between June 6 - August 15 and your name will automatically go in a drawing for one of seven SMARTPHONES! Click Here for details.
A free checking account with no minimum balance, no monthly service charge, and several other features to make your banking better - our Ultimate Checking offers you the highest interest rate around on checking plus FREE ATM/CheckCard (1), FREE ONLINE banking, FREE Bill Pay and eMobile Banking, FREE withdrawals at any MoneyPass® ATM, and convenient account access at thousands of ATMs.
Stop in at any Reliabank location today and open your new Ultimate Checking account for your chance to WIN!
(1) Fees may apply at non-Reliabank ATM's. Parent/guardian co-sign required for those under age. Promotion
offer good June 6-August 15, 2012. Smartphone prize given in form of $250 credit to phone store. No purchase necessary. Stop in at any Reliabank location for an entry form. See bank for more details.
Stop in at any Reliabank location today and open your new Ultimate Checking account for your chance to WIN!
(1) Fees may apply at non-Reliabank ATM's. Parent/guardian co-sign required for those under age. Promotion
offer good June 6-August 15, 2012. Smartphone prize given in form of $250 credit to phone store. No purchase necessary. Stop in at any Reliabank location for an entry form. See bank for more details.
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