MAXIMIZE YOUR CASH.
Revisit your checking account and be sure it meets your current needs. There are any number of reasons you may not be in the right account for your current financial situation. You may have selected the account years ago; your account may have changed hands through bank mergers/acquisitions; you may have less cash in today’s economy. In any event, this is a good time to review the terms of your checking account(s) to find one that works hard for you.

Consider how much cash you need and what fees you are paying.
At the time you opened your account, you were probably keenly aware of the fees associated with it. But fee structures change (particularly if your bank has gone through a merger) and you may be paying fees now you haven’t considered. Fees can add up.

Earn the most interest you can.
Recent events moved many people into a “panic” mode, during which they moved money around very quickly, looking for safety and diversity. Now it’s time to look for the best options. There are good opportunities to earn interest out there, and in this new environment, interest earnings should be a focus.

Consider a sweep account, if you qualify.
Sweep accounts automatically transfer excess cash in your commercial checking account into an investment account, so that funds earn a competitive rate when they are not in use. Please contact any of our commercial bankers for more information.

1. Maximize your cash.
2. Restructure your debt.
3. Look after your personal finances.
4. Make good decisions.
5. Look for the opportunity.

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