Financial Fitness Awareness

Financial Fitness Awareness: Digital Services Promotion

Staff Guide: Digital Services Promotion

We are launching our new "Financial Fitness Awareness" campaign! This initiative is designed to inspire our members to strengthen their financial health by utilizing our robust online and mobile banking tools. By making digital transactions a habit, members can achieve "financial fitness" with more convenience and security than ever before.

We need your expertise to demonstrate the value of these services and guide members toward a more streamlined banking experience.

Campaign Overview

This campaign focuses on digital adoption, using engaging imagery and straightforward messaging to show members how online and mobile banking transactions contribute to their overall financial well-being.

Campaign Target

• Active Digital Users: Members who may not be aware of all available "fitness" features like MyCards or Zelle.

• Traditional Transactors: Members who would benefit from the time-saving features of mobile deposit and bill pay.

• Rate-Conscious Members: Those looking to lower their loan rates by bundling services.

Promotion Strategies

• Educate members on the "eAccounts" bundle to help them save on loan rates.

• Encourage the use of MyCards for enhanced security and travel management.

• Drive Downloads of our updated mobile banking app for access to Zelle and Mobile Deposit.

• Promote eStatements as the fastest and most secure way to receive account information.

Campaign Timeframe

The campaign will run from May 1 – May 31, 2026.

The Power of eAccounts: Digital Services Bundled Into One

All our online services are grouped into one easy bundle called eAccounts. It’s the ultimate way for members to stay financially fit while saving money.

Save Even More!

Members can reduce our already low loan rates by up to an additional 1/2% APR* when they have eAccounts and one of the following:

• Direct deposit of net pay.

• $5,000 or more in a Beach Municipal FCU Share Certificate.

• Payroll Payment, ACH Payment, or Automatic Transfer.

• Online loan application.

What’s included in eAccounts?

• Virtual Branch Home Banking

• Virtual Branch Bill Pay

• eStatements

• Cost: All at no cost!*

Key Digital "Fitness" Tools

Service	Why Members Love It
MyCards	Total control. View transactions, set travel notifications, and "flip" cards on or off instantly for security.
Zelle®	A fast, safe, and easy way to send and receive money with friends and family.
Mobile Deposit	Deposit checks in seconds using the camera on a smartphone—no trip to the branch required.
Bill Pay	Manage and pay all bills from one secure dashboard to avoid late fees.
eStatements	Fast, eco-friendly, and more secure than paper statements sitting in a mailbox.

What’s the Skinny on Digital Adoption?

• Security Literacy: Members often hesitate due to security concerns; however, tools like MyCards give them the power to freeze their card the second it's misplaced.

• The "Updated" Factor: It is vital that members download the latest version of our app to access Zelle and the improved MyCards interface.

• Financial Health: Users who check their balances and set alerts via digital banking are 30% less likely to incur overdraft fees.

Comparison: Traditional vs. Digital Fitness

Feature	Traditional Banking	Digital "Fitness" (eAccounts)
Loan Rates	Standard Low Rates	Additional 1/2% APR Discount
Card Security	Call during branch hours	Instant "Off" switch in MyCards
Depositing Checks	Drive to Branch / ATM	Mobile Deposit (Snap & Go)
Sending Money	Cash or Paper Checks	Zelle (Instant & Digital)
Monthly Info	Waiting for the Mail	Instant eStatements

Staff Action Items

1. Promote the Bundle: If a member is applying for a loan, explain how eAccounts can instantly drop their rate.

2. Highlight Control: For members worried about fraud, show them how the MyCards "on/off" switch works.

3. Help with the Download: Ensure members are using the updated mobile app so they can see the new digital suite.

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