Lifetime Financial Wellness | Budgeting 101 | C&N

Welcome to “Lifetime Financial Wellness,” a benefit brought to you by C&N through a partnership with your employer. The resident experts here at C&N worked together to present this how-to segment called “Budgeting 101.”

Before we begin, we should start with why. A budget will help you to stay out of debt, because you won’t be spending money that you don’t have and it will also help you prepare for when unexpected expenses come up, like medical expenses or if your car breaks down. Whatever your goal, having a budget will help you cut back on unnecessary expenditures and focus on the ones that are most important.

So let’s get started!

Plus: Simulated Learning Environment

Not every financial choice in life is all good or all bad—figuring it all out is hard. Through the Plus simulated learning environment, you learn through real-life scenarios. The goal of Plus is to save for your dream home while monitoring your credit report. You'll get to see how spending habits play out and affect long-term goals when simulated over years.

Our Plus program teaches about:

Qualifying for a mortgage
Building healthy credit
Buying auto insurance
Avoiding identity theft
...and so much more!

Click here to get started

Note: This link will redirect you to a landing page with our partner, Banzai.

C&N Library - Local Experts on Trending Topics

C&N Library - Money Management Articles

Visit our C&N Library for more informational articles written by your local C&N experts

Budgeting Tools

Ready to start budgeting? Use one of our calculators to help you set your budgeting.

Use our personal budgeting spreadsheet to track your finances.

Personal Budgeting Spreadsheet

Exclusive Offers for Lifetime Wellness Partners

Lifetime Wellness Checking Account

Preferred interest rate paid on balances up to $30,000 with lower rates paid on balances more than $30,000.
Preferred interest rate available to those who have the following each month: one ACH credit or debit, 10 posted point-of-sale transactions, and enrollment in electronic statement delivery
No minimum balance requirement or maintenace fees¹
First box of checks free
Free Visa® Check Card
Free Online, Mobile, Text and Telephone Banking²
10 free Mobile Deposit transactions per month
One free order of basic checks each year for customers age 55 and older
Qualifying accounts receive up to $12 each month in refunded U.S. ATM fees

Lifetime Wellness Savings Account

Interest paid on balances of $200 or more
Open as stand-alone account or in companion with your C&N Lifetime Wellness Checking account
Interest credited quarterly
No minimum balance
No monthly maintenance fees

Lifetime Wellness CD Specials

Preferred rates on Certificates of Deposit (CDs)

Lifetime Wellness Mortgage Specials

$250 toward closing costs on a C&N mortgage³

Wealth Management

Free financial evaluation⁴
Free tax evaluation⁴

Account openings and credit are subject to Bank approval.

1.The following qualifiers are in place to avoid monthly service charges on Lifetime Wellness Checking: Customer must maintain direct deposit of pay into the Lifetime Wellness Checking account (at least one direct deposit per month is required), the customers employer must remain an active participant in the Lifetime Wellness program and the customer must maintain continuous employment with the company through which the Lifetime Wellness program is offered. This offer is limited to one Lifetime Wellness Checking account per employee. This offer may be withdrawn or changed at any time without notice. Other restrictions and fees may apply.
2.Message and data rates may apply from your wireless carrier.
3.Only one Lifetime Wellness credit allowed per loan. The credit is only intended for the refinance or purchase of a primary home.
4.Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency.