Your Money, Your Future: How to Save Smart with Journey Bank

Find the Right Checking Account for You

Journey Bank offers three checking accounts. Freedom Checking, BaZing Checking, and BaZing Premium Checking, each designed to match where you are in life right now.

Freedom Checking is a great starting point. No minimum balance or complicated requirements apply. You can waive the $7 monthly fee by keeping $100 in your account and the additional $2 fee by going paperless with eStatements.

BaZing Checking is built for people on the go. No minimum balance is required, it costs only $6 per month, and it comes loaded with perks.

BaZing Premium Checking is the top-tier option. Maintain a $1,000 minimum monthly balance and Journey Bank waives the $8 monthly fee entirely.

💡 Journey Bank Tip: All Journey Bank checking accounts include Anywhere Banking Tools¹. These include online banking, mobile banking, and a debit card. You also get fee-free access to 90,000+ Allpoint ATMs nationwide. No matter which account you choose, you stay connected.

Take Advantage of Built-In Protection

Most checking accounts just hold your money. Journey Bank's BaZing accounts go further with built-in personal protection benefits:

Cell Phone Protection^2,3 covers repair or replacement if your phone breaks, is accidentally damaged, or is stolen. Coverage is up to $600 per claim, based on your account.

ID Theft Aid^2,3 gives you access to identity restoration specialists 24/7, plus payment card fraud protection and identity monitoring. If something goes wrong, you're not on your own.

Buyer’s Protection and Extended Warranty^2,3 is coverage that may help you if an item is damaged or stolen shortly after you buy it. It may allow you to get a replacement or reimbursement after the retailer’s return period ends.

Roadside Assistance is available around the clock, free to use, and covers up to $80 in service charges. Car won’t start before that early morning class? Journey Bank is ready to help you out.

Auto Bill Pay

Late fees are sneaky. A $30 fee here, a $25 fee there, and suddenly you've lost a full day's pay to fees you could have avoided. Auto bill pay helps keep your bills on time, so you don't have to remember every due date and can avoid unnecessary late fees. Set up automatic payments for recurring expenses like your phone bill, subscriptions, or rent, and you'll never have to stress about missing a payment.

💡 Journey Bank Tip: Set up notifications and review your transactions regularly to make sure payments are processed correctly, catch unauthorized charges, and stay on top of your spending habits.

Track Your Spending

You can't improve what you don't track. Reviewing your account regularly helps you catch errors, avoid overdraft fees, and better understand where your money is going.

Small purchases can add up faster than you think. For example, a daily $6 coffee comes to nearly $180 per month. That doesn't mean you have to skip your favorite treat, but being aware of your spending habits can help you make informed financial decisions.

💡 Journey Bank Tip: Journey Bank's mobile app lets you access your account, view your eStatements, and monitor your transactions on the go. Download the Journey Bank app to get started, or call 570-784-1660 / 570-546-2211. ¹

Shop Local. Save Local^1,4

Most banks don't offer real savings on everyday spending. With Journey Bank’s BaZing Checking or BaZing Premium, you get more value.

You get access to thousands of discounts at restaurants, shops, and retailers nationwide. You can also find discounts at businesses in your own community.

The BaZing App lets you browse local deals and access personal protection benefits all in one place. Show your mobile coupon and save instantly. It’s an easy way to stretch your budget without changing your lifestyle.

Transfer Money into Savings

Building the habit of saving is more important than how much you save. Transferring money into your savings account on a regular basis is a smart financial habit, even if you can only set aside a small amount. Saving just $10 to $20 from each paycheck can add up faster than you might think.

If you get paid every two weeks, setting aside just $20 from each paycheck adds up to more than $500 in a year. By moving that money to savings automatically, it's out of sight, out of mind, and out of reach for impulse purchases.

Set A Savings Goal

Saving is a lot easier when you have a specific goal in mind. Whether it’s a new laptop, a spring trip, or an emergency fund, these goals give your money purpose. You will feel more motivated to protect it.

Even a small goal like saving $300 in 3 months breaks down to just $25 per week makes saving far more achievable.

These are just a few things that you can do to maximize your spending habits! Stop into any Journey Bank Community Office and let’s get you off to a great start on your financial journey.