Tuesday, July 05, 2016
On the move: Your guide to moving
Nearly six years ago, Katie Fisher and her toddler were moving cross-country.
Fisher was returning home, within two blocks of her childhood house in Cedar Rapids, Iowa. But she was moving—and it’s a daunting endeavor.
Fisher says her planning and detailed checklists made the experience a little less overwhelming.
Fisher, a lending consultant at Dupaco Community Credit Union’s First Avenue branch in Cedar Rapids, says careful planning is crucial when you’re on the move. Reference her guide if you have to tackle the moving beast:
Go paperless. “As much as you’re comfortable with the idea, go paperless with your accounts,” Fisher says. “In the event you forget to notify someone of your new address, your accounts will be safe. You don’t want your statements going to someone else.”
Many businesses can set up automatic recurring payments direct from your checking account or with your debit card. Another option: Use Shine Online Bill Pay to schedule payments to businesses, utilities or individuals.
You can go paperless with your credit union too. Dupaco offers eNotifier Alerts and eStatments within Shine Online Banking.
Update your contact information. When you move, don’t forget to notify others of your new address and phone number. Start with the U.S. Postal Service, and request your mail to be forwarded to your new address. Then work your way down the list:
Family and friends. “Notify as many as you can as soon as you can,” Fisher says. “If you wait for the next bill, it might not make it to you. I don’t take any chances with my personal information floating out there.”
To jog your memory on the businesses you need to notify, reference the account you use to pay your bills, either your checking account or credit card statements. More merchants are making it easier to change your address online, which can save time, Fisher says.
Find your nearest credit union branch. Before you move, locate your closest credit union branch, whether that’s another Dupaco location or a Shared Branch. The CO-OP Shared Branch network is a cooperative endeavor that allows you to stay connected to Dupaco no matter where you go. It offers you fee-free, face-to-face access and service at more than 5,000 credit union branches. Dupaco’s mobile app can point you to your nearest Shared Branch.
Find fee-free ATMs. You also can use Dupaco’s mobile app to locate your nearest Dupaco ATM or Privileged Status ATM. Thanks to Dupaco’s partnership with the SHAZAM Network, you can use your Dupaco MoneyCard in ATMs of other participating Privileged Status financial institutions without paying surcharge fees.
Secure your information. Before everything is packed, make sure your private information (such as Social Security cards and other account identifiers) are secure and accessible to you—and only you.
“You want to know exactly where that important stuff is,” Fisher says.
Research your new community. Before moving to a new city, do your homework on the community. Go online to learn more about the city’s offerings. Ask friends or family in the area for suggestions on everything from favorite grocery stores to schools to TV providers. Glean insight from your employer. And don’t hesitate to talk to your credit union, Fisher says.
“We are professionals. And, yes, we do your finances. But we’re also people. We’re parents,” Fisher says. “I like to think that my members think of me as a friend too.”
By Emily Kittle