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Open a New Checking Account. Close Out Holiday Debt.

Ring in the New Year by opening a new checking account with Swineford National Bank. When you pair our competitive products with our exceptional customer service – it’s a great way to begin 2010.

Visit or call your local Swineford National Bank office! For more information about checking accounts, please use the "Checking" link to the upper left.

TIPS TO MANAGE DEBT AND EXPENSES IN 2010

Have you resolved to better manage debt and expenses in 2010? At Swineford National Bank, we want you to stay true to your New Year’s resolution. Here are a few tips to help you achieve it.

Tip #1: Look at Interest Rates and Minimum Balances
Pay down high-interest debt first while paying at least the minimum monthly amount due on all other revolving bills.
Tip #2: Consolidate Debt
Talk to us about OptionLine, our home equity line of credit. It’s flexible, affordable and puts you in control.
Tip #3: Pay Bills on Time
Create a calendar of monthly bills and make timely payments to avoid late fees. Our FREE Online Bill Pay is a great tool for scheduling and tracking payments!
Tip #4: Contact Your Creditors
If you cannot afford payments, contact creditors to discuss your options. They may be willing to adjust your payment plan to a more manageable level.
Tip #5: Avoid ATM Fees
Before you travel, visit your local branch office or ATM for cash to avoid paying foreign ATM fees. You can also bank fee-free at one of our eight community banks in Delaware, Maryland, New Jersey, Pennsylvania and Virginia.
Tip #6: Create a Budget
Compare yearly expenses to create your 2010 budget and stick to it!
Tip #7: Set Priorities for Purchases.
Take a look at your spending and set priorities for purchases – what you need vs. what you want. Cut any unnecessary expenses.
Tip #8: Never spend more than you earn.
By creating a budget and setting priorities, you can avoid over spending. Put any extra funds towards debt payments or into an interest-bearing account, like:
	Certificates of Deposit
	Savings Accounts
	Money Market Accounts
Tip #9: Balance Your Checkbook
Keep your checkbook in balance to avoid bouncing checks and incurring overdraft fees. To assist in managing your finances, we offer:
	FREE Online Banking with charts and graphs.
	Overdraft Protection, such as a line of credit or transfer from savings account.
Tip #10: Keep your credit card receipts
Instead of throwing away receipts, keep them to monitor your spending. With our credit cards, you can track activity online too!
Tip #11: Open an Individual Retirement Account (IRA).
Don't wait to start saving for retirement! IRAs are a great way to invest in your future! Learn the difference between a Traditional and Roth IRA to determine which is the best option for you!
Tip #12: Consider a Health Savings Account (HSA)
With healthcare costs on the rise, a Health Savings Account (HSA) may be a great addition to your high deductible health plan. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-advantaged basis.
Tip #13: Reduce Energy and Gas Bills
Simple things like carpooling, unplugging appliances and lowering your thermostat in the winter can add up to great savings! It’s better for the environment too!