As the new year gets underway and your calendar starts filling up again, managing your finances might be the last thing you want to add to your to‑do list. And it's never-ending, we know. Between family activities, work demands, and everything else on your plate, finding time to stop by your bank can feel nearly impossible.
Whether you’re a parent juggling errands or a business owner managing daily operations, these quick and simple tips can help you stay financially organized without adding stress to your routine.
1. Take Advantage of Extended Banking Hours with Ergo ITMs
Don’t race the clock, but bank when it works for you.
Ergo Bank’s ITMs let you make deposits, cash checks, pay loans, and get live teller help during extended hours: 7 a.m. to 7 p.m. on weekdays and Saturday mornings. That means you can stop by before work, after dinner, or between errands, no need to rearrange your whole day just to handle your finances.
The start of the year is busy enough without standing in line. ITMs give you human help when you need it, with the convenience of a drive-thru.
Visit one of our ITM locations and experience just how easy it is.
How Do Ergo Bank’s ITMs Work? See for Yourself!
2. Organize Receipts and Expenses Early in the New Year
Trust us — future you will thank you. Instead of letting a pile of random receipts build up, take a few minutes now to sort and store them so you can stay on top of your finances.
Whether you’re managing personal expenses or tracking purchases for your business, organizing your receipts now saves stress later. Group your expenses by category (food, travel, supplies, etc.) and store digital copies using a secure app or cloud‑based folder.
Another tip is to take photos of paper receipts and name them by date + category for easy sorting later.
Business owners and farmers: staying organized early in the year also makes preparing for tax season much smoother.
3. Automate Your Bill Payments
Life gets busy, and even with reminders on your phone, it’s easy to forget a due date. Avoid late fees and protect your credit score by setting up automatic payments for utilities, loans, credit cards, or rent directly through your Ergo Bank account.
You’ll also reduce the mental load of remembering what’s due and when.
Visit Online Banking to set up or manage recurring payments.
4. Make Quick Deposits Without the Hassle
Skip the envelope. Skip the line. Skip the stress.
ITMs make depositing money as easy as pushing a button. You can deposit cash or checks (no envelope needed!), and your transaction is verified instantly. If you have questions, just interact with the screen to talk to a live Ergo Bank teller.
Live rural or work long hours? No problem. Our ITMs bring the bank to you with extended access and real people.
Learn How It Works in Less Than 2 Minutes
5. Review and Refresh Your Financial Goals for the New Year
Out with the old budget, in with the new.
Take a few minutes to review your financial goals and adjust where needed. Did you save what you hoped? Did unexpected expenses pop up? Use this time to reset your savings strategy, reevaluate spending, or plan for bigger goals in 2026.
Helpful tools from Ergo Bank:
- Automatic transfers to savings
- Budgeting tools in online banking
- Helpful staff ready to answer your questions in person or through ITM
Your Early-Year Banking Checklist
- Deposit checks and cash via ITM
- Set up or review automatic payments
- Organize receipts and business expenses
- Watch Ergo Bank’s ITM tutorial
- Connect with a teller if you need help
Why Ergo Bank Is Here for You
Whether you’re managing your family budget, running a farm or small business, or planning your next big purchase, Ergo Bank is your neighbor, your local partner, and your go‑to for simple, stress‑free banking. Our ITMs are just one way we make your financial life easier.
Because at Ergo, we believe in better banking, by design. Find an ITM near you and start the year with convenience and confidence