Learn the Skills That Support Your Financial Goals

Tip: Set a weekly spending check.

Every Friday, log into your IBC Bank Online account and:
•    Review your recent transactions
•    Compare what you planned to spend vs. what you actually spent
•    Transfer any leftover money into savings

Example:
If you budgeted $200 for the week but only spent $160, move the extra $40 into your savings account using the transfer feature—quick, simple, and done in seconds.

Tip: Pause before you purchase.

Before making a non-essential purchase, log into your IBC Bank Online account and:
•    Check your current balance
•    Review recent transactions
•    Consider how the purchase fits into your budget

Example:
You're about to spend $75 on a last-minute purchase. You log in and see you've already spent more than expected this week—so you decide to wait. That simple check helps you avoid overspending and stay on track with your financial goals.

Tip: Set up automatic or scheduled payments.

Use IBC Bank Online or the mobile app to:
•    Set up recurring payments for your mortgage, credit card, or other monthly expenses
•    Schedule payments ahead of due dates
•    Enable alerts to remind you when payments are processed

Example:
You set up a recurring payment for your credit card each month through IBC Bank Online. The payment is automatically scheduled before the due date, helping you avoid late fees and maintain consistent payment history. You can also monitor the transaction and confirm it was processed directly in the app, giving you added peace of mind.

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