International Towne students gain hands-on experience using a credit card.

Credit Cards: Knowledge is power

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U.S. News & World Report, a nationally recognized publisher of consumer advice and information, recently completed a nationwide financial literacy survey in order to get a comprehensive understanding about consumers’ experiences with credit cards. The results of the study reveal that many consumers don’t understand the basics of credit card ownership, such as credit score, interest rate and the consequences …

Gift boxes

Concept of the Month: Savvy Shopper

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The holidays are quickly approaching which means you will likely be doing some spending!  Whether you’re buying gifts for friends and family or thinking about what to buy with your own holiday gift cards or cash, Young Americans Bank has some tips to help you spend smarter. Budget Set a spending limit for yourself and stick to it.  When you’re …

Concept of the Month: Euro, Peso, Dime

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At Young Americans, we teach about all kind of financial topics: saving, needs vs. wants, entrepreneurship, what it takes to run a business, and more!  This month we are focusing on foreign currencies.  We want to introduce the importance of global money and why it’s different all around the world. Currency by Country Money is so important because nearly everyone …

Doing Your Part

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Every month Young Americans Bank dives into a financial concept to help our customers understand more about money.  During August, we’re looking at philanthropy.  What does it mean to give?  How do you plan your giving?  Get started here with these activities, and then come visit us in Young Americans Bank for more help, feedback, and tips. Time, Talent, Treasure …

Concept of the Month: Are You Credit Ready?

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Each month in Young Americans Bank we focus on one financial concept and talk with all of our customers about it.  This month we’re discussing credit: what it is, how you build it, and how you use it. What is credit? So what exactly is credit?  Credit is defined as confidence in a borrower’s ability and intention to repay.  The …

Concept of the Month: Investing

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Each month we focus in on one financial topic to help our customers learn more about their personal finances.  During the month of July, we’re discussing investing.  We’re talking about different types of investing, and how risky each can be.  It’s important to do lots of research before deciding what investing works best for you.  However, this is a great …

Concept of the Month: Debit vs. Credit

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This month we’re discussing the concept of credit versus debit.  At Young Americans Bank, you can apply for either card — or both — but it’s important to know the difference and how each can be used. Debit Debit cards are swiped like credit cards, but the money comes directly out of your checking account. Because this money comes directly …

Concept of the Month: What’s the Plan?

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Each month we focus on one financial topic at Young Americans Bank.  While we always encourage saving, March is the month that we’re really talking about savings goals. What’s the Plan? What kinds of things are coming up for which you will need money?  School clothes? End-of-summer vacation?  College? How are you going to get that money?  You need a …