Welcome to The State Bank Financial Education Center. 

 

As a valued customer of The State Bank, we are thrilled to offer you our financial education program. It is a free online, self-paced series of interactive modules that cover key financial concepts such as saving, investing, credit scores, mortgages, and identity protection.

 

These short, interactive learning experiences will help prepare you with the skills to manage your finances and plan for the future! Many modules also feature Action Plans with budgeting and planning tools to reinforce positive behavior and help you take positive steps toward better financial health.

 

The learning experience was specifically designed for your busy lifestyle. It is mobile and tablet accessible, available in both English and Spanish, and each module is only 2 – 7 minutes in length.

 

Checking Accounts

Explore common features of checking accounts and how they work so you can choose the option that works best for you. Compare common payment methods such as electronic checks, credit cards, and debit cards.
 


Saving Accounts

Learn about setting savings goals, different savings account options, and smart habits to help meet your financial needs.

 


Budgeting Tool

Use this tool to categorize and track monthly expenses to better understand spending habits and adjust behavior to reach financial goals.

 


Mobile Payments

Explore how different mobile payment options work and the factors you need to be aware of when using this convenience.

Building Emergency Savings

Learn about spending needs and wants, and explore how small changes to your daily routine can add up to large savings over time.
 


Credit Scores and Reports

Learn about the importance of your credit score and how it is calculated. Explore the factors that impact your credit score and different ways to protect it.

 


Insurance

Learn about insurance so you can choose the plans that work best for you. Explore different types of insurance, common costs associated with plans, and the factors that affect your rates


Overdraft

Learn about the implications of overdrawing your account and how posting order and transaction type impact your available balance. Explore different methods for managing your account to avoid overdraft penalties.

 


Identity Protection

Investigate the causes of consumer fraud and identity theft, and identify ways to protect yourself from these crimes.

 


Taxes

Learn how taxes work so you can develop a strategy that works best for your financial situation. Explore different types of taxes, necessary forms, and how taxes impact your paycheck.

Mortgages

Explore the costs and benefits of home – ownership, the different types of home – loans available to you, and the process for securing a mortgage.

 


Credit Cards

Explore how credit cards work so you can use them most effectively. Learn how to compare offers, pay off your balance, and about your rights as a consumer.

 


Considering Home Ownership

Explore the benefits of home-ownership and the costs associated with owning a home. Review steps to help prepare for the process of home – ownership.
 


Insurance

Learn about insurance so you can choose the plans that work best for you. Explore different types of insurance, common costs associated with plans, and the factors that affect your rates

 


Budgeting Tool

Use this tool to categorize and track monthly expenses to better understand spending habits and adjust behavior to reach financial goals.

 


Auto Loans

Learn about different financing options, fixed and variable interest rates, how monthly payments are calculated, and organizations that protect consumer’s interests.

 


Mortgage Modifications

Explore terms associated with mortgage payments and foreclosure, learn common modification options, and apply modification options to real – life scenarios.

 

Retirement 101

Determine how much money you will need to save for retirement and learn about different types of investment plans. Develop a strategy that helps you meet your retirement savings goals.

 


Building Emergency Savings

Learn about spending needs and wants, and explore how small changes to your daily routine can add up to large savings over time.
 


529 Plans

Explore how 529 plans can help you start saving for higher education, the associated tax benefits, and how to begin saving.
 


Financing Higher Education

Explore the different ways to pay for higher education such as federal student aid, private loans, and grants. Learn about the components of student loans, different repayment options, and related tax incentives.


Estate Planning

Learn why estate planning is important, what documents are included in this financial and legal precaution, and how to get started today

 


Investments 

Explore different investment options and how to develop a strategy that helps meets your short and long - term financial goals. Learn about diversification and how o create an investment portfolio that balances risk and reward according to your goals.


Budgeting Tool

Use this tool to categorize and track monthly expenses to better understand spending habits and adjust behavior to reach financial goals.

 


When to Collect Social Security

Explore the different options for when you may start collecting retirement benefits and develop the plan that works best for you.

Smart Decisions

Let The State Bank help you make 'Smart Decisions' with your finances.

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