Financial growth starts now: 5 resolutions for 2025

Financial stability and growth are essential to live a happier, healthier, and better life, though it can be hard to know where to start. Here are some simple, yet impactful resolutions you can make to achieve financial success in 2025.

1. Get Seamless and Accessible Personal Checking

Start the year right with a checking account that puts you in control—anytime, anywhere, and without the hassle. While some banks are strictly in-person or online only, it’s best to opt for an account that offers both; face-to-face interactions provide the personalized assistance you’ll need, and additional online/mobile platforms give you the freedom to manage finances on the go. Your account history can help you build a budget for healthy spending and saving. When you’re researching accounts, make sure to note the fees, minimum deposit requirements, and interest rates (if applicable).

2. Build Savings that Grow with You

Whatever your future holds, your finances deserve a solid foundation. Whether you’re saving for the holidays, building an emergency fund, or preparing for tax season, you can optimize your savings with a Money Market account. With high interest rates, you receive a higher rate of return on your deposits—i.e., your money will grow just by sitting in an account. These types of accounts are an easier and safer alternative to investments, so you can rest assured that your savings are safe, secure, and growing.

3. Credit: Earn Rewards Along the Way

Everyone loves a bonus, and smart spending deserves an award. Credit cards offer all kinds of exclusive perks and rewards based on your purchases. Choose a card with cash-back rewards that match your lifestyle: travel, dining out, retail, everyday purchases, etc.

4. Protect What Matters

In an age of increasing financial risks, it’s important to adopt routine practices to protect your accounts. Every 1-2 weeks, be sure to monitor your banking and credit accounts to check for any fraudulent charges. Once a year, review your credit reports with all three major credit bureaus through annualcreditreport.com, free of charge. On top of these habits, make sure your bank has its own protective measures to track and identify any suspicious activity on your account.

5. Help them Start Early and Succeed Later

For parents and grandparents, it’s important to know that financial literacy can start at a young age. Kids can learn the importance of saving with allowances, while teenagers can cosign on a checking account and debit card to practice money management. With rent, college, and other responsibilities ahead of them, see what first steps your family can take in 2025 for the years ahead.

Let’s make 2025 your best financial year yet. At United Community, we’re here to be your trusted banking partner, offering innovative tools and personalized services that make managing your money easier, smarter, and more rewarding. Together, we’ll make 2025 a year of growth, security, and success. Discover the difference at ucbi.com today.