Take Your Credit Union to College!
VBSFCU High
Schools Scholarships
Joann B Wyatt
Joann B Wyatt - VBCPS Application
Jack E O'Connor
Once you join a
credit union, you’re a member for life – no matter where life takes you. So even
if you’re leaving the state to go to school, you can stay with us. We’re here to
help you with all your financial needs.
VBSFCU can also
help you with student loans. For information about VBSFCU Student Loans click
here.
You can stay
connected with VBSFCU by using our convenient automated services. Balance
inquiries, transfers, and credit card/loan payments are just a few of the things
that can be done online,
www.vbsfcu.org,
or through Infoline, our Phone Access Teller,
1-877-482-7328.
Online bill payment is also available through our website, as well as
SmartLink, our home banking site – a fast, secure way to review your
account, transfer money, make loan payments and more!
Visiting CU
Service Centers is a great way to stay connected with your VBSFCUs’ accounts.
There are over 1,100 CU Service Centers nationwide, look for the “swirl” and
you’ll be able to do deposits, withdrawals, transfers, and balance inquiries on
your VBSFCUs’ accounts. Find the CU Service Center location near your campus by
visiting
here
Key money skills that students need to know:
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Budget.
Look at your income and spending habits. Allocate for weekly needs, wants, and
impulses within your budget. Surprises happen, so let yourself break the budget.
Just remember to make up for it in the coming weeks.
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Say “Credit” not “Debit”.
When using your VBSFCU Visa Check Card to make purchases say “credit” and sign
for your purchase for a no fee/no limit transaction. The money is automatically
withdrawn from your checking account, so don’t forget to record it in your check
register; remember, there are consequences for overdrawing an account.
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Credit cards are convenient
but risky. Credit means you’re borrowing
money to repay from future income. Credit is a cost, and making the minimum
payments will cost you even more. Credit cards are accepted universally and are
good to have in emergencies. The spending habits you establish now will follow
you through life – make sure they’re good ones!
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Keep your Social Security
number as private as possible. If
possible, request a randomly generated student ID number instead. Do not give
your social security number to another student to register you for a class or
school seminar.
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Don’t leave mail or personal
financial records lying around your apartment or dorm room.
Get a shredder that will shred cross-wise from a local office supply store.
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