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what happens to an account after a loved one passes

What Happens to an Account when a Loved One Passes?

By: American Heritage 11.05.20 4 minute read Security

Beyond the emotional toll of the loss of a loved one is a list of responsibilities. While paperwork and documentation may be the last thing on your mind, it is important to settle certain matters quickly, such as managing the deceased’s bank accounts. At American Heritage, we strive to treat this sensitive topic with the respect it deserves by making the process smooth and uncomplicated. For the purposes of this article, the information provided will be written with American Heritage accounts in mind.

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man escaping 8 financial terrors

How to Escape 8 Financial Terrors

By: American Heritage 10.29.20 3 minute read Savings & Budgeting Credit

Every horror movie has a moment where one of the soon-to-be victims does something foolish like saying the killer’s name in the mirror three times, going upstairs to investigate, or saying the infamous phrase, “I’ll be right back.” As audience members, we groan at these mistakes and shake our heads as each character meets a grisly fate. But when it comes to managing finances, too many of us make terrifying mistakes that can cost us money, hurt our credit and impact our financial future. In order to survive, we offer this brief list of financial terrors. Avoid them, and you may get out alive.

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how to perform a balance transfer on credit cards

How to Perform a Balance Transfer

By: Holly Love 10.22.20 3 minute read Credit

A credit card balance transfer makes a high-interest credit card balance (or balances) more manageable by transferring that balance to a new credit card with a lower interest rate. For added savings, some balance transfer offers include a lower introductory rate for a limited amount of time or sometimes even the life of the balance. Balance transfers can help you get out of debt faster and make multiple payments easier to manage.

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man on phone trying to detect a phishing scam

Can You Spot a Phishing Email? We'll Show You How

By: American Heritage 10.15.20 3 minute read Security

We depend on email every day. We use email to contact our coworkers, connect with friends and family, and communicate with businesses we trust. Unfortunately, online scammers know this, and they’ve developed increasingly sophisticated schemes to trick us via email into providing sensitive information – then using this information to steal money or commit identity theft. One of their most common ploys is known as a phishing email. October is National Cybersecurity Awareness Month, and it’s a good time to learn how this common scam works. When you know what phishing emails look like, you’ll be more likely to avoid failing for one – and can prevent the stress and financial harm that these scams cause.

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A young couple look at their finances together in the kitchen

Is a Joint Account Right for Your Relationship?

By: American Heritage 10.08.20 3 minute read Savings & Budgeting Family

If you’re newly married or in a serious relationship, the opportunity to build a life together can be exciting. But as your lives become intertwined, so do your responsibilities—particularly when it comes to your finances. For many couples, opening a joint checking account or a joint savings account is the first step. In fact, some studies have found that couples who pooled their money in shared accounts had happier long-term relationships.

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A man uses his smartphone to deposit his check while at a cafe

Make Deposits Anywhere With Mobile Check Deposit

By: American Heritage 09.10.20 3 minute read Product Spotlight

In the last few years, mobile check deposit has become a must-have mobile banking tool for users of every age. It’s easy to see why: This powerful mobile banking feature lets you avoid extra trips to a branch or ATM by giving you the freedom to make deposits on your schedule, and you can make deposits anywhere you have an internet connection.

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Choosing if debit or credit is right for you

Credit or Debit: Which Payment Option is Best for You?

By: American Heritage 08.25.20 3 minute read

Card usage has skyrocketed over the last few months, but each time you pay, you may ask: "Credit or debit?” Your answer is likely out of habit or based on whichever is currently top of wallet. While the two may seem identical when it comes to making a purchase, there is a very real difference and it’s a good idea to know which is best to use for various scenarios.

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Preparing your child for virtual back to school

Preparing for (Virtual) Back to School this Fall

By: Holly Love 08.20.20 3 minute read Education Coronavirus Pandemic

School transitioning to online-only or a hybrid environment last semester may have caught you and your students off guard. Going from a dedicated classroom environment to staying home, distractions and all, can affect a student’s morale, grades, and mental health. Add in parents and siblings who may also be working or learning at home, the school year and summer vacation blending together, the absence of a teacher’s watchful eye, and you have a recipe for a poor learning experience. With many local school districts planning to utilize online classrooms – at least through the first marking period – students can anticipate learning from home this fall. Use this extra time to prepare for the upcoming school year to achieve bigger successes and stay more on track with the following ideas:

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