Welcome to the Season 2 premiere of "Making Sense of Your Cents!" With the tax deadline just 24 hours away, Daniel and Shanna are here to help lower your financial blood pressure. In this episode, we provide a last-minute sanity check by breaking down the critical difference between an extension to file and an extension to pay. We also debunk the myth of the "big tax refund" and answer community questions about managing taxes with a side hustle and avoiding common filing mistakes. Tune in for a simple 10-minute tip to help you take total control of your cash flow for the rest of the year. Let's start the new season by making some sense of your cents!

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Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

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In our Season 1 finale, we’re focusing on a simple switch that provides a massive upgrade to your security and convenience: e-Statements. Join Daniel and Shanna as they break down why moving away from the paper trail is the fastest and safest way to handle your bank records. We’ll walk you through our easy 4-step enrollment process and explain how immediate digital access puts you in total control. Plus, stick around for a special announcement about the launch of Season 2 coming next week! 

Make the Switch to eStatements!

Note: Must be enrolled in Online Banking prior to enrolling in eStatements.
If you’re not enrolled, you can visit www.firstcenturybank.com and click on Enroll in Online Banking

STEP 1: Login to Online Banking
STEP 2: Select the Account you wish to enroll
STEP 3: Select “Estatements SSO”
STEP 4: Follow all prompts to complete Enrollment

Tip: If you have multiple accounts, repeat Steps 2-4 for each account you wish to enroll.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

This episode focuses on the unique financial challenges and opportunities of retirement. We discuss practical strategies for simplifying and managing retirement income, including Social Security and RMDs. We also take a deep dive into the most common scams that target seniors, like the "Grandparent Scam" and tech support fraud, and explain the importance of having a trusted contact on your accounts to safeguard your financial well-being.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

Just like a medical physical, your finances need an annual check-up to stay healthy. In this episode, we provide a simple, step-by-step checklist for a yearly financial review. We'll guide you through reassessing your budget, reviewing your credit report, tracking your progress toward your goals, and auditing your subscriptions to find "leaks" in your spending. This is a proactive guide to keeping your financial plan on track.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

Your banking app can do a lot more than just show your balance. In this episode, we take a guided tour of powerful features you might not be using. We'll show you how to master mobile check deposit, how to set up custom security and balance alerts that act as your personal financial assistant, and how to use card controls to instantly turn your debit card on or off for ultimate peace of mind. Learn to unlock the full potential of the bank in your pocket.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

How do you teach your teen about money? With Branch Operations Coordinator Shelby Liford, we provide a guide to opening a first checking or savings account. This episode is packed with practical advice for parents, explaining when the right time is to get started, what account features to look for, and how to use this important milestone to instill good financial habits—like saving and tracking spending—that will last a lifetime. 

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

Your home has value you can use. With guest Megan Zielinski, VP/Area Executive, we explain the Home Equity Line of Credit (HELOC). In this episode, you’ll learn how to calculate your home's equity, how a HELOC's "draw" and "repayment" periods work, and the smart ways to use this powerful financial tool for things like home renovations. We'll also cover the important responsibilities and risks that come with borrowing against your home.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

Overdrafts can be a source of stress and costly fees. Joined by Compliance Operations Specialist Amy Earl, we provide a transparent look at how they work and the choices you have as a consumer. In this episode, you will learn the crucial difference between Overdraft Protection and Overdraft Privilege, understand your important "opt-in" rights for debit card transactions, and discover simple, proactive habits and mobile alerts you can set up to avoid overdrafts altogether.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

In this episode, we answer one of the most fundamental questions in banking: is my money safe? This episode is a confidence-building deep dive into the protection that backs your deposits. We'll explore the history of the FDIC, explain exactly what's covered (checking, savings) and what's not (investments), and show you how the $250,000 insurance limit works and how you can get even more coverage at a single bank.

The FDIC’s Electronic Deposit Insurance Estimator (EDIE)

• https://edie.fdic.gov/

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].

Feeling the pinch at the grocery store and the gas pump? This episode is a jargon-free guide to inflation. We demystify what it is, how it's measured using the Consumer Price Index (CPI), and how it impacts your daily life. We'll explain the difference between "demand-pull" and "cost-push" inflation and provide practical, everyday tips for adjusting your family budget to cope with rising prices, fight back against the rising cost of living, and protect your purchasing power.

Send us Fan Mail

Our goal is to make financial guidance accessible and easy to understand for everyone. If you found value in today's episode, please do us a huge favor and share it with someone you care about. 

Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to [email protected].