NSB Blog

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Back to School for College Students

Posted on August 19th, 2015 in Communities, Customer Service, Financial Tips, Savings by NSBblogger |

Typing  numbers for income tax return with pen and calculator

Although you do not want to believe it, school will be back in session before we know it. Most state colleges will be back in session within the last week of August and private colleges start soon after. Today’s Northeast Security Bank blog is focusing on getting you financially ready with all of the resources we have available, before heading back to college.

Get your finances ready for back to school season with Northeast Security Bank resources-

Online Banking– Don’t have online banking yet? You can easily sign up for online banking through our website. With online banking, you can check balances, transfer from different accounts and manage your transactions. You can use our website anywhere you wish go to school, so you don’t have to be inconvenienced by coming home for your banking needs.

Mobile Banking– Using your phone, you can use our mobile banking to make transfers and all of your other banking needs. You will need to sign up for mobile banking through the online banking portal on our website. Mobile banking goes where you go, so it is especially convenient while you are near or far away at school.

Mobile capture– Earlier this month, we talked about the roll out of mobile capture to our mobile banking app. Mobile capture allows you to take a photo of a check to be deposited to your account at Northeast Security Bank. While away at school, you won’t have to worry about mailing a check home to be deposited or finding an ATM.

ATM Deposit– Did you know that you can use any ATM that offers deposit services to deposit a check into your NSB account? Even though our bank may not be where school is, this is convenient if you have multiple checks and you stumble upon a different bank’s ATM with deposit services.

Northeast Security Bank wishes you well during this school year and hope these financial tips can help you prepare for the school year ahead.

Simplify Your Financial Life

Posted on August 5th, 2015 in Financial Tips, Savings by NSBblogger |

Closeup on man`s hands writing a check

When you think of your financial life, simple is not a word that comes to your mind. It’s Simplify your Life Week and Northeast Security Bank is bringing you ideas to accomplish simplifying your financial life.

Simplify your Financial Life with these tips:

  • Pay off your credit cards- especially if you have debt issues or carry high balances. Pay it off, shred your statements and say goodbye to paying interest on your balances. You will simplify your payment ways and relieve yourself of stress.
  • Budget with pen and paper- if you can’t write out your budget, it’s too complex. Writing it out helps you understand where your money is going and can decrease wasteful spending.
  • Focus on one goal at a time- regardless if you’re attacking your debt, saving for a down payment or building an emergency fund, commit to the one goal until it’s met.
  • Consolidate accounts and loans- this goes for checking, savings and retirement accounts. Fewer accounts = less time wasted managing them. Consolidate your loans so you are having to remember less payment dates.
  • Experiment with money “hacks”- try out “no spending days” or create a 30-day list for must-have purchases. If you don’t need them after 30 days, you don’t need them.
  • Think big picture- forget about monthly payments, how much will that new big screen cost in your lifetime? Thinking “total cost” will help prevent impulse spending.
  • Package services- package your insurance needs, phone/data services, etc. with one company. This reduces confusion with payments and usually results in a discount. Also, make a list of what you need before you start shopping to eliminate unnecessary add-ons.

Budgeting, consolidating and simplifying will help you organize your life and become less stressful. Northeast Security Bank hopes you are able to simplify your financial life this week.

The New Innovation Station at Northeast Security Bank

Posted on July 29th, 2015 in Bank Services by NSBblogger |
Northeast Security Bank’s Innovation Station is another way for us to make banking easier for you.

Northeast Security Bank’s Innovation Station is another way for us to make banking easier for you.

 

At Northeast Security Bank we are committed to providing our customers with the latest and greatest in banking technology. With these new and innovative technologies, it may be difficult to understand how to use all of these different technologies. We understand your difficulties, so we have opened an Innovation Station for people of all ages at our Innovation Station. (more…)

Tap, Snap, Deposit: New Addition to Mobile Banking

Posted on July 15th, 2015 in Mobile Banking by NSBblogger |
Northeast Security Bank hopes the Mobile Capture on our mobile app will improve your experience with using our banking services.

Northeast Security Bank hopes the Mobile Capture on our mobile app will improve your experience with using our banking services.

 

Northeast Security Bank strives to bring you the latest banking technology for your convenience. Our mobile app for smart phones allows you to check your balances, submit transfers and view transactions all in one convenient place. We always try to make our services better, so there has been an addition to our mobile banking application: Mobile Capture! (more…)

Wedding Day Expenses- Things to Expect When you’re a Guest

Posted on June 24th, 2015 in Communities, Savings, Travel by NSBblogger |

Beautiful wedding set up in Phuket Thailand

Getting invited to a wedding is an exciting opportunity to see friends you haven’t in a while and celebrate family and friends while they head into a new life journey. Northeast Security Bank hopes your experience as a guest at a wedding is exciting, but we also want to prepare your wallet for the potential costs associated with attending.

Wedding day expenses as a guest:

Out of town wedding– Prepare for the cost of booking a hotel. Hotel rooms can run anywhere from $75 a night to upwards of $200 per night. If you are heading to a town where you have relatives, don’t be afraid to give them a call and see if you can stay at their place. They would likely love to see you while you’re in the same area for a wedding.

Gift– When attending a wedding, it is proper etiquette to get a gift for the bride and groom. Wedding registries can easily be accessed online so you can budget for what gift you plan to give. There’s no need to go overboard and spend hundreds of dollars on a gift, it is more the thought that counts in wedding gift giving.

Drinks and tips– Depending on the wedding, be prepared for the possibility of having to pay for your own drinks. It is normal at a reception after the ceremony for the meal to be included, but drinks are not guaranteed. Be sure to have cash because most bars at weddings are cash bars. Don’t forget to tip the servers at the wedding as well.

Weddings are a fun and exciting experience, but don’t blow your weekend budget carelessly this summer during wedding season. Northeast Security Bank is here for your budget questions and financial needs. Contact us today to learn more about our services.

BBQ on a Budget

Posted on June 12th, 2015 in Entertaining by NSBblogger |

BBQ

Hosting a summer BBQ doesn’t mean you have to break the bank to impress your peers. Northeast Security Bank is bringing you tips and tricks for hosting a summer barbeque on a budget. You can easily entertain guests without breaking budget this summer with extravagant foods and drinks. Here are a few tips to save you money this summer if you plan to host a summer barbeque on a budget.

BBQ on a budget-

Less is more when it comes to meat– When having your friends over, they don’t expect you to provide steak and chicken for everyone. You can watch local grocer ads for sales on burgers, brats and hot dogs. If it’s a special event, you could ask everyone to chip in for more expensive meat like steak and chicken. Or have a party and make it clear to have everyone bring their own meat. If you have plans to make kabobs, add more grilled vegetables than meat to lessen the expense of meat.

Ask guests to bring sides– A potato salad or macaroni dish goes a long way when it comes to feeding a larger group of people. You could also ask your guests to bring a side dish to the barbeque to make the event less stressful on your wallet. If you do not want to have others bring sides to the party, you can easily find budget-friendly side dishes to make on Pinterest.

Utensils and plates– With a little bit of time and thought, you can stick within your budget when it comes to plates and utensils. If you’re comfortable, you can use the plates and utensils you already have on hand in your home. If you’re not comfortable with that, the local dollar stores have utensils and paper plates available in different colors and designs.

Northeast Security Bank wants your barbeque on a budget at your home to be a success, so stop in today to learn about our savings accounts and Find your Way Home Program.

How to Plan a Vacation without Breaking the Bank

Posted on May 27th, 2015 in Savings, Travel by NSBblogger |

With summer around the corner, you may consider planning a summer getaway for the family or just you and your spouse. Summer is an ideal time for travel because the weather is warmer and travel prices are a bit more reasonable, depending on when you decide to go. Northeast Security Bank has a few ideas on how to plan a vacation without breaking the bank.

Vacation on a budget:

  1. Set a budget. Before you consider going anywhere, be sure to have the money saved and decide how much you are willing to spend. If you have an idea of what kind of vacation you want to go on before you start the planning process, it will help you know how much money needs to be budgeted for the trip.
  2. Utilize online travel resources. The Internet is a great resource for deciding where to go, when to go and the best locations for the kind of trip you’re looking for. Sites like Cheap Caribbean, Home Away and Expedia can help you find less expensive accommodations. Each site is tailored to the destination you’re looking for. By using online resources, you can save time and money.
  3. Travel in a group. If you want to take the kids to the beach, ask other families if they would be interested in taking the trip as well. Splitting the cost with another family can make a difference in cost. You will also have more money to spend on fun activities.
  4. Consider being flexible with your dates. Flexible dates means that you are willing to change your trip dates to find a cheaper rate at a hotel or you may be able to upgrade to a better destination. Flexibility will enable you to stretch your budget.

Northeast Security Bank hopes you are able to plan a fun and relaxing vacation this year. Be sure to let us know if you have travel plans so we can monitor debit card activity more accurately.

 

 

Spring Cleaning to Save Money

Posted on May 13th, 2015 in Savings by NSBblogger |

cleaning equipment in a bucket isolated on white

The month of May brings blooming flowers and true signs of spring turning into summer. Although spring started in March, it is never too late to consider spring cleaning.

Spring cleaning can save you money if you take the time to clean out your closets, attic and basement of your home. You never know what you’ll find that could be worth money.

Clean out your closet to make quick cash. If you don’t want the work of a garage sale, then consignment stores and resale shops are your best bet for getting money from clothing. The best strategy for getting the most money from reselling clothing is to sell back clothes that are in season.

If you go through your closet and wish to get rid of some fall and winter clothes, store them away to sell before those seasons start. If you sell clothes that are in season and in style, you will likely get more than selling off season clothes.

Your basement is an ideal place to store old furniture or belongs that you don’t want lying around the house. Unfortunately, this pile of items just keeps adding up. Now is the time to look through this pile of old items and see what can be sold at a garage sale, on eBay or Craigslist. You may have antique collectibles that others would be interested in purchasing. Taking the time to clean out this area can help you make a little extra money.

Ditch the old electronics and trade them in for gift cards to various retailers. Bigger stores like Best Buy and online retail giant, Amazon offers gift cards for older iPads, laptops and cell phones. Check into these programs to see if your old electronics qualify for gift cards.

However you clean your home this spring, you may find something that can may be worth some money to help you boost your savings before the busy summer.

Northeast Security Bank is here for your personal and business banking needs. Contact us today to learn more about our services.

Get Active for Less

Posted on April 22nd, 2015 in Financial Tips by vgmforbin |
Leading a healthy and active life doesn't need to cost you a bundle. Find out how you can get fit for less!

Leading a healthy and active life doesn’t need to cost you a bundle. Find out how you can get fit for less!

Spring has finally arrived, which means you may be interested in getting in shape after the cold and long winter. Getting active doesn’t mean you have to spend a lot of money on doing so, there are plenty of free or low cost things you can do to be active.

At Northeast Security Bank, we want you to be healthy, both in body and finances. No need to throw away money on expensive gym memberships or expensive apparel. Here are a few alternatives to help you get active and fit for less!

Don’t Throw Away Money on Expensive Apparel

You need a good pair of shoes and quality socks, and that’s about it. Why overspend on high priced fitness apparel when you get the same workout no matter what you’re wearing? Regular t-shirts and shorts will do. If you are able to invest in a nice pair of shoes that last longer, you won’t have to pay two or three times for subpar shoes.

Walk or Run

Walking around the neighborhood or running on a local trail don’t cost a thing and are great options for everyone from kids through grandparents. You only need to dress for the weather, so put on your shoes and go.

Be More Active at Work

Are you seated most of the day at work? Make a point every hour to get up, stretch and walk around for five to 10 minutes (or whatever is allowed). If possible, try to get a workout in over your lunch. Anything you can do to break up the sitting, raise your heart rate and get your blood flowing is doing your body good.

Incorporate Your Whole Family

Getting the entire family active makes fitness a little more fun without necessarily increasing the costs of doing so. Family activities can be as simple as throwing around a Frisbee or ball or playing yard games. Anything that gets you on your feet and moving with your family will do!

Now that you have a few ideas for getting active for less, which will you try? However you approach your health and wellness goals this spring, we hope you stay safe and injury-free. If there’s anything Northeast Security Bank can do to help on your path to better health please don’t hesitate to ask. We hope to see you soon!

Financial Literacy Month: Little Known Financial Facts

financial analysis; checks, graphs, money, calculator

April is Financial Literacy Month and Northeast Security Bank wants to bring you little known financial facts. Today’s blog will provide interesting information that you probably didn’t know before. Northeast Security Bank is your hometown financial institution offering helpful banking information and financial services.

Little Known Financial Facts:

  1. You don’t have to use your bank’s ATM to deposit a check. As technology continues to advance, you no longer have to use only a Northeast Security Bank ATM to deposit a check. Remember this if you’re ever on the go and need to deposit the money into your account and you’re out of town.
  2. There are more benefits to the Friendship Club than just friendship. Besides making lifelong friends, the Friendship Club includes a wide array of amenities. From copying services to free debit/ATM cards, our Friendship Club is ideal for anyone 50 and older looking for a great group of people to be friends with.
  3. Online Banking can save you time. In the on-the-go world we live in, convenience can make life much simpler. Instead of having to go into the bank to transfer money between your accounts, you can use online banking from the comfort of your own home. It’s ideal for travel, living elsewhere for college, or for convenience.
  4. There is no federal law regulating what credit card companies can charge for interest. Before signing up for a new credit card, read the fine print to see what the interest rate is. Northeast Security Bank offers a Visa credit card. This card can be used anywhere and there’s no gimmicks.

Northeast Security Bank wants you to be financially literate throughout April and every month.  Come to us for your personal loan, mortgage and all banking needs. Contact us today to see how we can help you succeed financially.