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What the Second Stimulus Package Means for Americans

By: American Heritage01.07.21 Coronavirus Pandemic
For nearly ten months, Americans have been feeling the effects of a lockdown designed to slow the spread of COVID-19. Unfortunately, the livelihoods of many were impacted by these lockdowns as small businesses, hospitality, live entertainment, and other industries closed their doors. Payment Protection Program Loans and unemployment benefits helped shoulder some of the burden, but many Americans were and are still struggling.
Volunteers with masks wrapping holiday gift donations

7 Ways to Give Back This Holiday Season

By: American Heritage12.10.20 Holiday
The spirit of giving is always alive and well during the holidays, and we know that’s especially true this year. As so many people grapple with the hardships of COVID-19, many of us are looking for ways to lend a helping hand. But with new safety concerns, it can be a challenge to find ways to help others while safeguarding our own health. That’s why we’re sharing this list of seven ways you can make a difference in your community right now, without putting yourself at risk.
Man sits with a laptop in his living room, decorated for the holidays

Scams to Be Aware of for Holiday 2020

By: Holly Benedetto12.03.20 Security Holiday
‘Tis the season to be careful. Amidst the holiday deals, package deliveries, and charity donations, danger lurks. No one wants to ruin their holiday cheer with a headache and a disputed credit card charge, but a little caution goes a long way. Due to current world circumstances, many are choosing to do the bulk of their shopping online this year. While avoiding the crowd can keep you safe in one way, you still need to protect yourself on the web. Here are some common scams you can expect to see this holiday.
A woman holding a credit card and a tablet beside a lit Christmas tree

Creating Happy Holidays on a Budget

By: American Heritage11.27.20 Holiday
There are lots of reasons to love the holidays: the lights, the gifts, the time with family. But here’s something you probably don’t love: a big credit card bill or low checking account balance to start the new year. By some estimates, the average American spends around $1,000 on holiday expenses. However, with a little planning and smart purchases, it’s possible to enjoy lots of holiday fun without spending lots of money.
A woman wearing a facemask carries holiday gifts while window shopping

Careful Spending Tips for the Holidays

By: Holly Benedetto11.19.20 Holiday
The holidays are a season of charity and generosity. With this spirit of giving, it is easy to overindulge and buy a gift for everyone in our lives. Though we never want to discourage kindness, overextending your finances for the sake of the holidays isn’t a wise financial decision. We've compiled some resources and tips to help navigate this potentially challenging holiday season.

6 Tips to Help You Spend Less on Groceries

By: American Heritage11.12.20 Savings & Budgeting Culture
Whether you’re planning for an average weeknight dinner or a Thanksgiving feast, it can be hard to get your grocery bills to align with your monthly budget. The good news is that there are many great strategies for saving money on groceries that work for Thanksgiving and all year long. Here are some of our favorite tips.
Peaceful riverbank at sunset

What Happens to an Account when a Loved One Passes?

By: American Heritage11.05.20 Security
Beyond the emotional toll of the loss of a loved one is a list of responsibilities. While paperwork and documentation may be the last thing on your mind, it is important to settle certain matters quickly, such as managing the deceased’s bank accounts. At American Heritage, we strive to treat this sensitive topic with the respect it deserves by making the process smooth and uncomplicated. For the purposes of this article, the information provided will be written with American Heritage accounts in mind.

How to Perform a Balance Transfer

By: Holly Benedetto10.22.20 Credit
A credit card balance transfer makes a high-interest credit card balance (or balances) more manageable by transferring that balance to a new credit card with a lower interest rate. For added savings, some balance transfer offers include a lower introductory rate for a limited amount of time or sometimes even the life of the balance. Balance transfers can help you get out of debt faster and make multiple payments easier to manage.

Can You Spot a Phishing Email? We'll Show You How

By: American Heritage10.15.20 Security
October is National Cybersecurity Awareness Month, and it’s a good time to learn how this common scam works. When you know what phishing emails look like, you’ll be more likely to avoid failing for one – and can prevent the stress and financial harm that these scams cause.
A young couple manages their finances together in the kitchen

Is a Joint Account Right for Your Relationship?

By: American Heritage10.08.20 Savings & Budgeting
For many couples, opening a joint checking account or a joint savings account is the first step. In fact, some studies have found that couples who pooled their money in shared accounts had happier long-term relationships. But before you make this big step, it’s important to communicate your feelings about combining your finances. It’s also helpful to understand how joint accounts work and know the benefits and challenges that come with them.
Man working on his cellphone and laptop in his living room

How to Save (More) When Working From Home

By: Holly Benedetto09.24.20 Savings & Budgeting
If you’ve spent any time working from home over the past few weeks or months, you’ve experienced a shift in your routine and monthly budget. Even if you’ve gotten used to your new working arrangements, take a few moments to reflect on how these lifestyle adjustments have impacted your spending and saving this year.
A woman fills out a loan application for a new car

Loans & Borrowing: 10 Terms You Should Know

By: American Heritage09.17.20 Credit
The process of comparing your financing options and choosing the right one can sometimes feel overwhelming – especially with all the financial jargon and concepts associated with loans and borrowing. Fortunately, many of these concepts are less complicated than they seem. Here’s a quick overview of some of the most important borrowing terms you should know. Learn them now, so you can make smarter borrowing decisions later.

Make Deposits Anywhere With Mobile Check Deposit

By: American Heritage09.10.20 Product Spotlight
In the last few years, mobile check deposit has become a must-have mobile banking tool for users of every age. It’s easy to see why: This powerful mobile banking feature lets you avoid extra trips to a branch or ATM by giving you the freedom to make deposits on your schedule, and you can make deposits anywhere you have an internet connection.
A woman holding a variety of payment cards

Credit or Debit: Which Payment Option is Best for You?

By: American Heritage08.25.20
We all know the drill. You head to the checkout line and are presented with two options from the cashier: ”Will that be on credit or debit?” If you’re like most, there’s a good chance you may not know the difference between the two. While the two may seem identical when it comes to making a purchase, there is a very real difference and it’s a good idea to know which is best to use for various scenarios.
boy sitting at table looking at laptop for school

Preparing for (Virtual) Back to School this Fall

By: Holly Benedetto08.20.20 Education
School transitioning to online-only or a hybrid environment last semester may have caught you and your students off guard. Going from a dedicated classroom environment to staying home, distractions and all, can affect a student’s morale, grades, and mental health. Add in parents and siblings who may also be working or learning at home, the school year and summer vacation blending together, and the absence of a teacher’s watchful eye, and you have a recipe for a poor learning experience.

Lower Your Cell Phone Bill With These 8 Tips

By: American Heritage08.13.20 Savings & Budgeting
Right now, staying connected is more important than ever. But for many people with pricey cell phone plans, it’s also more expensive than ever. On average, Americans are paying more than $1,300 a year for their cell phone service, according to the U.S. Bureau of Labor Statistics. While carriers all claim to offer the best cell phone deals, finding ways to lower your cell phone bill can be challenging. To help, here are eight proven tips to help you save on your cell phone.

 

 

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