College Prep ToolsHelpful Hints

Lesson 1: Get a Budget

Create a budget and set a spending limit so you know exactly where your money is going. And stick to it! To help you track your spending, keep daily records of everything you buy.

Don't forget you can always access all your First National Bank accounts online 24 hours a day, 7 days a week to see your account transactions.

Lesson 2: Checking Accounts

Open a checking account to start building your credit history.

Lesson 3: Credit Cards

Transfer any higher-interest rate credit card balances to one low-interest rate credit card.

Lesson 4: Timely Payments

Don't miss a payment or make it late. Pay your bills on or before the due date, and always pay the minimum due. Keep in mind extra time needed for the mail. If you can't make your monthly payment, contact your creditors immediately.