As the calendar flips to a new year, many of us reflect on where we’ve been—and where we want to go. January is the perfect time to take a moment and check in with your finances.
Whether you're focused on saving for a big goal, managing your credit, or simply feeling more in control of your budget, a financial checkup can help set the tone for the months ahead.
At Cornerstone Bank, we believe that small steps lead to big progress. That’s why we encourage you to begin 2026 with a personal financial checklist.
Review Your Budget
Start by tracking what came in and what went out last year. Look for areas where you can reduce spending, boost savings, or make room for new priorities. If you're not already using a budgeting tool, now’s a great time to set one up. Try our budget calculator or the Manage My Money Tool right in the Cornerstone Bank app!
Tip: Our RITE Checking accounts make it easy to manage day-to-day expenses with free digital banking tools and benefits that help keep your budget on track and grow your savings. With options including RITE Premium Checking, RITE Extra Checking and RITE Student Checking, as well as Basic Checking, you can choose what works best for your life.
Reassess Your Savings Goals
Are you building an emergency fund? Saving for a home, education, or vacation? Revisit your savings account and adjustment your strategy based on your goals and income. Try our savings calculator to get started!
Tip: Consider setting up automatic transfers to your savings account to make saving effortless—and consistent. As your balance grows, shifting your savings into a Personal Money Market or Premier Money Market account, which offer higher interest rates for higher balances, helping your money grow even faster.
Check Your Credit
Your credit score plays a role in everything from loan approvals to insurance rates. Start the year by reviewing your credit report and checking for any inaccuracies or signs of fraud. The Credit Score tool in our app can help you get started.
Tip: If you’re looking to improve your credit or establish credit history with a credit card, our team can help you explore options that fit your needs.
Plan for the Year Ahead
Think about upcoming life events—college tuition, a new car, or even a business idea. A proactive plan today can reduce stress and create more options tomorrow.
Tip: Our dedicated team is here with lending solutions that work for you. Whether you're planning a wedding, buying your first home, or getting serious about retirement, we’ll guide you through every step of your financial journey.
Let’s make 2026 the year of confident financial choices. Start with a financial checkup and then a conversation—at your local branch or online. We’ll listen, ask questions, and help create a plan that works for you.
Because at Cornerstone Bank, we’re not just your bank—we’re your partner.
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