Don't start the new year with late fees! The flurry of activities surrounding the holiday season can derail anyone’s schedule. If bills are falling through the cracks, Bill Pay is one of the best gifts you can give yourself. In just a few easy steps, you can set up one-time or automatic payments directly from your smartphone or tablet so you'll never have to miss a payment again!

Christmas happens every year, so why not save for it? Planning ahead for holidays, emergencies, retirement, education and vacations is the best way to avoid or limit debt. Whether you use automatic transfer from your paycheck to a savings account or manually set aside money, saving consistently –$25 per month, for example–will help you reach your goals.