Stay Financially Fit With LOC When You Go Off to College Open an LOC Checking Account Opening a checking account at LOC is one of the first steps in getting Financially Fit Together. Having a debit card tied to that account allows you to easily make purchases safely and securely without the worry of carrying cash. Develop a Budget and Track Your Expenses Developing a budget and keeping track of your expenses is easy with online banking and LifeTrack PFM. With LifeTrack you can create a budget and tag your expenses to help you keep track of where your dollars are going. Keep a Pulse on Your Financials The LOC mobile app allows you to quickly check the balance of your accounts with the quick balance feature. In addition, LOC’s online banking offers eAlerts. With eAlerts, you can monitor your balance using the daily balance or the minimum balance threshold alert options. Avoid Paying ATM Fees Looking to take out cash from an ATM but not near an LOC branch? Have no fear. Your debit card allows you to use any of the 28,000 CO-OP Network ATMs across the country without having to pay any fees. If you’re not near an ATM, you also have the option of the cash back feature when making debit purchases at participating merchants for no fee. Open a VISA Credit Card Building credit is one of the most important steps in being Financially Fit Together. The LOC VISA Credit Card can help build your credit while you build your knowledge. With a parent co-signing, you can open a VISA with a small line of credit to have on hand in case of emergencies. The important thing to remember with a credit card is to not over use it and when you do use it, to pay off the full balance each month. Save Money with Sprint Did you know that Sprint offers discounts to credit union members? Love My Credit Union Rewards provides access to exclusive discount offers through an easy-to-use app. You can save money from companies like Sprint, Turbo Tax, DirecTV and more.