Large Deposit Notification
Check Alert: over $100 deposited in your account
Tip #1 - It's a good idea to review your bank statement on a regular basis. That way, you can find irregular mistakes when they happen and address them immediately.
Tip #2 - Reviewing your bank statement on a regular basis helps you know exactly what's going on with your account. This is especially useful in avoiding unecessary minimum balance limit fees.
Tip #3 - When choosing a bank, it's a good idea to shop around and find a bank that offers you the lowest transaction fees.
New Credit Card Bill Notification
Check Alert: your credit card bill is due
Tip #1 - "If you pay your credit card payment on the due date before 5 pm, it's still considered "on-time"."
Tip #2 - Not paying your credit card bill on time can really hurt your credit score.
Tip #3 - Paying only the minimum amount will cost you % Annual Percentage Rate on the remaining balance. Your best financial move is to pay as much of your credit card balance as possible.
Credit Card Limit Reached
Check Alert: your credit card limit has been exceeded
Tip #1 - Spending your total credit limit can really hurt your credit score. To avoid that, ask your credit card provider to raise your credit limit but keep your spending the same.
Tip #2 - If you have good credit history you can call up your credit card company directly and request a credit limit increase.
Late Fee on Credit Card
Check Alert: late fee charge of $xx.xx recorded
Tip #1 - If you have good credit history, in most cases your credit card penalty fee should'nt be higher than your minimum charge.
Tip #2 - If you have good credit history, in most cases credit card companies shouldn't charge you a penalty fee higher than $25.
Over 10 Credit Card Transactions in 1 Day
Check Alert: more than 10 transactions recorded for MM/DD/YYYY
Tip #1 - Late payments on your credit card bills may lead your credit card provider to decrease your credit limit.
Shares Value Decrease
Check Investment Notice: First National Bank of Omaha - Personal Logon shares status decreased
Tip #1 - "For long-term investments, sometimes it's better to invest in an index fund (ie: S&P 500) rather than investing on your own
Tip #2 - there's a chance you may end up with higher returns."
Credit Card APR Increase Notification
Check Alert: the percentage rate for your First National Bank of Omaha - Personal Logon credit card has increased
Tip #1 - Creditors can no longer increase your interest rate based on late payments to an unrelated bill, like a cell phone or utility bill.
Loan Payment Due in 2 Days
Check Alert: 2 days left to pay loan bill
Tip #1 - When paying back a loan, it's a good idea to pay more than the minimum owed, if you can. The extra money will reduce the overall amount of interest owed over time.
Tip #2 - To make sure you recieve your loan bills on time, notify your lender if your address or contact info has changed.
Credit Card Bill Due in 4 Days
Check Alert: a credit card bill is due in 4 days
Tip #1 - Secure online purchases usually don't require too much personal info If a website is asking for your bank account, Social Security or driver's license number, you might want to reconsider the purchase.
Need help paying back your loan? Credit counseling companies can help you negotiate reductions in the total amount of debt you owe.
Check Notice: 4 days left to pay your loan bill
Tip #1 - "If you have more than one loan, you may want to merge all your loans into one consolidated loan
Tip #2 - this can help lower high interest fees."
Tip #3 - If you're struggling to pay back your loan, you could try to negotiate with your creditors for a smaller interest rate, especially if you can still pay a smaller amount.
Approaching Limit on Credit Card
Check Alert: you are nearing your credit card limit
Tip #1 - A great way to save money: install a programmable thermostat that limits energy usage. If installed correctly, you can save up to 20% on your electricity bills.
Credit Card Balance within 10% of Limit
Check Alert: you are nearing your credit card limit
Tip #1 - Spending your full credit card limit can really hurt your credit score. If you have good credit history, call your provider to request that they increase your limit.
Tip #2 - Two ways to save money at the grocery store: First, don't shop hungry! Second, create a detailed list and stick to it. Cutting impulse spending could save you tons.
Bank Account Out of Overdraft
Check Alert: overdraft status change
Tip #1 - There's a chance your bank account is enrolled in an overdraft protection program even if you haven't asked for it. Check with your bank to know where you stand.
Tip #2 - A significant amount of overdraft fees occur at Point-of-Sale terminals. Why? POS terminals at the typical retail store won't inform you that you're about to trigger an overdraft fee.
Bank Account in Overdraft
Check Alert: overdraft notification
Tip #1 - As a backup, you can avoid overdrawing your account when you link your checking account to your savings account.
Tip #2 - Cushion your checking account with some extra cash to cover unexpected spending.
Tip #3 - Coordinating your income deposit date to occur before your credit card payment date will help you avoid any unnecessary overdrafts.
Tip #4 - As a backup, you can avoid overdrawing your account when you link your checking account to your savings account.
Tip #5 - Cushion your checking account with some extra cash to cover unexpected spending.
Tip #6 - Coordinating your income deposit date before your credit card payment date will help you avoid unnecessary overdrafts.
Payment on Credit Card
Check Notice: credit applied to your card
Tip #1 - Many public places offer wireless online access, but think twice before conducting credit card or banking transactions: public wireless services aren't always secure enough.
Credit Card Bill Due in 2 Days
Check Alert: a credit card bill is due in 2 Days
Tip #1 - Usually the credit card late fee charge is $25. If you're in the habit of paying late, that's at least $300 a year of your money gone! Pay on time and avoid extra fees.
Tip #2 - In most cases, paying your bill late more than once every 6 months means you get hit with late fees 40% higher than the standard amount. Ouch! Paying on time can really save you money.
Credit Card APR Change Notification
Check Alert: the percentage rate for your First National Bank of Omaha - Personal Logon credit card has decreased
Tip #1 - Credit card companies can sometimes charge you a higher penalty fee if your payment is late more than once every 6 months.
Credit Card Limit Decrease Notification
Check Alert: available credit on your card has decreased
Tip #1 - If you have limited funds to pay a number of bills, it's better to pay the minimum charges for all rather than paying some in full and delaying payment on the rest.
Credit Card Limit Increase Notification
Check Notification: your credit card limit has increased by $xx.xx
Tip #1 - If you can, it's a good idea to build an emergency fund: save up until you have about 3 to 6 months wages.
Tip #2 - It's tempting to view an increased credit line as an invitation to spend, but limiting your spending well below your credit line will help improve your credit score.
Large Credit Card Transaction
Check Alert: credit card transaction over $250
Tip #1 - Cash or credit? People usually spend 20% more when they use credit cards. If you're trying to save money, pay cash.
Tip #2 - Leaving behind discarded bank documents could make you an easy target for identity thieves and con artists. Any forms that show your personal info should be shredded or torn up to little pieces.