For many Americans, building up savings is a common goal, and for good reason. According to the Federal Reserve, 36% don’t have enough cash on hand to cover a $400 sudden expense and 51% have $5,000 or less in savings – far less than the recommended 3-6 months of expenses you should have saved in

It’s no secret that growing your savings is critical to reaching your long-term or short-term financial goals. As simple as that concept sounds, the reality is growing your savings can mean lots of different things, and there are several options your local bank can offer you depending on your needs and goals. So whether you’re

Tip: No matter which budget method you choose, USB’s Spending Insights can make tracking your spending even easier.

When it comes to managing your money, the latest technology often allows you to set it and forget it. Whether it’s automatic bill pay and transfers, paperless statements and reminders, you may forget to regularly check in on your spending habits via monthly statements and transaction histories. So once you get that notification that your

Sending money to friends and family is becoming a common necessity, whether you’re splitting the cost of a lunch tab, paying someone back for a shared birthday present, or even paying the babysitter. One of the fastest and easiest ways to do that is to send money digitally using peer-to-peer (or P2P) payments. P2P payments

Opening and using a credit card comes with a lot of responsibility, but a credit card can be a great financial tool in your arsenal when utilized well. With the right credit card, you afford to make larger purchases, earn points and rewards, and build your credit score. On the other hand, misuse of credit

The start of a new year is the perfect time to set new financial goals for yourself and your family. Whether it’s to start an emergency fund or save for retirement, reaching any goal can often be tied back to staying on budget month to month. The good news is, Americans are budgeting more than

We often go through our daily routines without taking much notice of our everyday spending habits. But if you’ve ever gotten to the end of the month wondering ‘where did all the money go?’, the new Spending Insights tool on the USB Mobile App has all the answers. Spending Insights lets you monitor your expenses,

No matter how hard we try to avoid it, unexpected expenses, like a car or home repairs or medical bills, are inevitable. It’s why it’s good to have emergency savings set aside to help you and your family pay for these sudden expenses without worrying about affording your day-to-day needs. Unfortunately, most Americans (fewer than