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Free BALANCEā„¢ Financial Fitness Webinar

BALANCE™ Financial Fitness offers free monthly financial webinars. Reserve your spot today for the September webinar!

Topic: FAFSA: The Key To Unlocking Financial Aid
The Free Application for Federal Student Aid (FAFSA) is a government form that streamlines the financial aid process, which can help reduce your student loan burden. This workshop covers FAFSA basics, and provides insight into the application process, how to complete the FAFSA online, federal requirements, and receiving and maintaining federal financial aid. Don’t miss out! 
When: Tuesday, October 10
1:30pm - 2:30pm
 
Cost: FREE!
 
        Click Button to Register for Webinar        

BALANCE™ Financial Fitness webinars are recorded and available for later viewing. Please note, webinar links expire after seven days.


Financial Calculators



Online Technology Security Training

Click Here to View Our Online Technology Security Training Center

Click Here to View Our Online Technology Security Training Center


Financial Counseling

Our partner in providing free financial planning and counseling services for our membership is BALANCE™ Financial Fitness. Members may contact a BALANCE representative to receive free and personal financial counseling for home buying, college preparation, debt consolidation, retirement planning, and more. BALANCE will also help members interpret their credit reports, develop a debt repayment strategy, set up reliable payment schedules, negotiate with creditors to reduce payments, and much more. To speak with a BALANCE representative, call 1-888-456-2227 toll free or click on the BALANCE logo to access their website.

 


Hurricane Preparedness

Hurricane PreparednessAlong with the summertime heat comes Hurricane season. It's never too early to begin making your preparations should a named storm threaten to impact our coast. Even outer lying inland areas can be affected by hurricanes that produce flooding, severe thunderstorms and/or tornado activity. There are a few things to keep in mind related to managing your finances before, during and after a hurricane:

  • Remember to withdraw money before a pending natural disaster. Within a 24-hour period, withdrawals made at Carolina Trust ATM locations are limited to 3 per day or up to $600 cash. You may authorize up to $1,000 in PIN-based transactions or 10 transactions within a 24-hour period and up to $2,000 per day in signature-based transactions. Be cautious about how much money you withdraw since having too much cash on hand or at home can pose a security risk. During any cash withdrawal, be aware of your surroundings and any suspicious persons.
  • Address any financial matters (loan payments, check deposits, transfers, etc.) before a pending hurricane threat. Financial institutions may close early to allow employees time to evacuate or seek shelter and will typically be closed at least two days after a direct hit. Keep in mind that if areas are without electricity, then ATMs, online banking and phone banking could be out of commission even longer.
  • If you pay bills online or by phone, pay them before a hurricane hits, even if they are not due for several days. A hurricane could interrupt phone and Internet service and cause you to miss payments and incur late charges.
  • If paying bills by mail, send payments at least two days before a hurricane is projected to strike. The post office will not pick up mail within 24 hours of an impact. Keep copies of any payments mailed within 3 days of a hurricane making landfall. After a storm, contact any businesses you mailed payments to and confirm they received them.
  • Have a credit card on hand with at least a $1,000 available limit. Use credit cards to finance minimal repairs when necessary. Document any transactions for insurance purposes. Beware of anyone who offers to help after a storm but wants cash only and who is not licensed and bonded. Get receipts for cash purchases before and after a storm.
  • Safeguard your financial records. Store important financial papers in a safe and accessible place. While it is best to store originals in a safe deposit box*, you should also keep copies of your critical documents in a safe, organized location. Don't forget, Carolina Trust's Deluxe Provent ID Protection services offer Online Identity Vault. It functions as a secure digital wallet, encrypted document and image storage, and password management. In the event of a hurricane, you may need to access the following information:
      1. Your insurance policy number and contact information - If you have the agent's information and policy number anyone at that company should be able to assist you through the claims process.
      2. A list of your financial institutions and account numbers - This will help you access your finances during a disaster recovery period. Include bank accounts, investment accounts and credit card numbers. Again, any copy of these details should be securely stored.
      3. A copy of your last two years' income tax returns - If you have to apply for disaster aid relief, you may need income information for a loan.

Oftentimes when making preparations for our families, homes and pets, we forget about our finances or important information we would need following a natural disaster. Hopefully, we won't have to utilize our hurricane preparedness kits this season, but it's a good idea to keep these reminders in your kit just in case. For additional information on hurricane preparedness, visit the South Carolina Emergency Management Division website.

*Please note: safe deposit box contents are not insured by financial institutions. Consumers wanting coverage on the box's contents should contact their insurance provider. 

 




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