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College Bound? Make Smart Money Moves Before You Go

Cozy dorm room with bright mismatched bedding and desk for college inspiration

It’s mid-August, which means backpacks are getting packed, dorms are being decorated, and many students are gearing up for one of life’s biggest transitions – starting college.

Whether you’re moving out for the first time or commuting from home, having your finances in order can help ease the stress of this exciting new chapter. Here are a few smart money moves to make before the fall semester begins:

1. Open a Student-Friendly Checking Account

Heading off to college or just always on the move? With our Checking, you don’t have to worry about leaving your bank behind. Enjoy easy mobile and online access so you can check balances, pay bills, and transfer funds anytime, anywhere.

And if you ever need to visit a branch in person, chances are there’s one nearby. Thanks to the Co-op Shared Branch and ATM network, you can access your Maple FCU account at over 30,000 surcharge-free locations nationwide. Wherever you roam, your account travels with you.

2. Create a Basic Budget
College expenses can add up quickly! Think about textbooks, snacks, parking fees, and social events to name just a few. Start by listing your monthly income (from jobs, scholarships, or parental help) and track your spending. Budgeting apps or a simple spreadsheet can go a long way.

3. Know Where to Turn in an Emergency
Life happens. Be sure you know how to contact your financial institution if you lose your debit card, need to transfer funds, or just have a question. Bookmark our Online Banking Portal and store our contact info in your phone.

4. Avoid Credit Card Traps
Credit card offers will come your way. Don’t fall for flashy deals. They often come with a much higher rate than you can receive at your local credit union. If you’re ready for credit, consider applying for a card through a trusted credit union. It’s a great way to build credit responsibly while staying in control.

Final Thought:
Starting college is a big deal. By setting yourself up with the right tools and knowledge, you’re not just earning a degree, you’re learning how to manage your money for life. And remember, Maple FCU is here to help every step of the way.

Explore more resources in our Education Center
 
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