July 2020
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Visa Debit Card
Run as Credit or Debit
This has happened to all of us. You're making a purchase using your Visa Debit Card and the cashier asks you "credit or debit". Your first reaction may be to say debit, but it is always best to say credit. Don't worry, this does not turn your debit card into a credit card. So, does it really matter which option you select if the payment comes out of your checking account either way? It does! There are several good reasons why you should run your Visa Debit Card as a Credit transaction. Here are just a couple:


Searching For a New Car?
Save money and time by using these FREE features on our Web site:

Our Auto Link Car Buying Service has everything you need to research your next vehicle, including:

  • Look Up Manufacturer Rebates    
  • Pull a Vehicle History Report
  • Avoid Overpaying For Your New Car
  • Email Sellers and Schedule Test Drives


Enter to Win an Amazon Echo & Nest Thermostat
From July 1 to August 31, 2020 every signature-based debit card transaction you perform will automatically enter you to win an Amazon Echo and Nest Thermostat. Click here for the official rules.

REACH Financial Education
Creating a Budget


Only about one third of Americans create and maintain a budget – are you one of them? A budget can help you stay on top of your finances by helping you plan where your money will go instead of wondering where it went.

This short lesson will help you learn more about how to:

  • Identify your income sources as well as your expenses
  • Create a new budget or reevaluate an existing one
  • Apply strategies to monitor your spending and stick to your budget

Free K-12 Courses
20+ Digital Courses Available
Heartland FCU offers you access to a library of 20+ digital courses for students in grades K-12. These courses cover critical topics including financial  education, mental wellness, prescription drug  safety, compassion, digital wellness, and more. Heartland FCU has partnered with global education technology leader EVERFI to provide REACH Financial Education to students as part of our community engagement efforts.

Community Corner
Casual for a Cause
Dressing Down to Do Good
For the month of July Heartland FCU chose the Kettering Backpack Program to donate our $1,000 Casual for a Cause proceeds. Kettering Backpack Program fights childhood hunger in 19 elementary and middle schools in Kettering. They discreetly provide at-risk students with a bag of food each Friday throughout the school year and on each Thursday during the summer.

5 Relaxing Hobbies to Help You De-Stress
Try one of these hobbies to help you chill out
From outdoor activities around the house to simply writing down your thoughts, you can easily find solace.


Best Coupon Sites for Families
Best coupon sites to help your family save money
If you’re looking for ways to stretch your family’s dollar, it’s time to get creative with a tried-and-true savings tool — coupons.


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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.
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