Ok! If this is your first time using Online Banking?
Yes
Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
No
Great. To access your account, simply click “Login” in the upper right hand corner of the page.
On my mobile device
Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
Opening a checking account
Great! What do you care most about in a checking account?
Earning interest
Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
Great! Take a look at our Advantage Plus Checking account that comes with one free package of checks a year.
Signing up for eStatements
Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
We’re sorry to hear that. Is this during or after business hours?
During
Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
After
If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
Taking control of your debit/credit card
We have an app for that, and it’s free. Check out Arsenal CardKey today to lock/unlock your cards, set up alerts/controls and so much more.
Sending money to family and friends
You can easily send and receive money with Zelle®. It’s fast. It’s free. It’s easy. It’s already in online banking and our mobile app.
What would you like to save for?
An upcoming holiday or vacation
Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
Retirement
It sounds like an IRA (Individual Retirement Account) would be helpful for you. If you’re interested in meeting with a financial advisor to discuss a Roth IRA and other investment options, we can also make that happen.
College
Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
Something else – and I’d like to earn a good interest rate
Do you have some money saved up already?
Yes, quite a bit
Nice! Are you okay with leaving your money untouched for a while?
Sure
Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
I’d prefer to make withdrawals when I need to.
Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
Not much
No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
I’d prefer just a basic savings account
Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
I want to make saving automatic
We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.
As the holiday season approaches, do you find yourself looking forward to the festivities, but concerned about the impact on your wallet? You are not alone. By doing some planning now, you can simplify your gift giving. Here are a bunch of different ways you can enjoy this special time of year and keep spending in check:
Food
Consumable items are very popular during the holidays. The recipients may enjoy the product themselves or share it with others when entertaining. Consider special breads, beverages, fruit baskets, snack items, regional favorites and gourmet coffees and teas.
Go green
Find locally grown plants, flowers and dried wreaths. Another option might be to purchase colorful washable napkins, placemats, dishcloths, reusable bags and lunch bags.
Set limits
This could be done by establishing a dollar amount per gift, completing your shopping in only one or two trips, purchasing one gift per family or committing to doing all your shopping locally.
Made by you
Make your own food specialty. Knit a scarf. Handcraft an item. Create an annual holiday ornament. Give a framed photo.
Hobby-related gift or gift certificates
Consider the recipient’s hobbies and interests. Are there gardeners, chefs, woodworkers, knitters, readers and gamers on your list? Gift accordingly by providing them with the tools or materials to do what they enjoy.
Agree on a gift challenge
Discuss this idea well in advance of the holidays with those whom you regularly exchange gifts, but make it fun. You might suggest handmade items only, gifts under $10, one gift for a whole family, limit shopping to consignment or thrift store finds or pick a theme such as useful or consumable items only.
Purchase the same type of gift for everyone
It could be umbrellas, scarfs, journals, board games, puzzles, nice pens, throws, books, or flashlights and batteries.
Recipe book
You could make up a recipe book with family favorites or provide a blank recipe book for the great cooks in your life.
Coupons for your services
Offer your time and abilities. You can create coupons related to your skills. Perhaps you could cook a favorite meal, shovel snow or make home repairs.
Create a special memory
Look in newspapers or online for special events this holiday that are free or low cost. Instead of purchasing gifts, make a date with your family and friends to enjoy an event together and get together for desserts and coffee.
Most importantly: Enjoy your holidays!
Faye Griffiths-Smith works for UConn Extension, a nonprofit coordinator of Connecticut Saves.
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