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At ESB Financial, we believe in building financial strength for today and tomorrow—and sometimes that starts with setting up automatic savings that work for you behind the scenes. Whether you're paying off debt, growing an emergency fund, or working toward long-term goals, automation makes saving simple and sustainable.

Save for the Past: Tackling Debt Consistently

At ESB, we believe paying down debt is saving. It's often the first step toward financial freedom.
Setting up automatic payments for loans or credit cards ensures you're on time every time—helping you avoid late fees, reduce your balance, and stress less.

Imagine a local ESB customer who faced unexpected credit card debt after a car repair. By automating part of their monthly savings goal toward repayment, they paid off $5,000 in just two years. Automation made it easy to stay consistent—and made room to focus on the future.

ESB Tip: Set up automatic loan payments or bill pay in online banking or the ESB app. Start with what’s manageable, and increase over time as your budget allows.

Save for the Present: Build Peace of Mind with an Emergency Fund

Life happens, and an emergency fund helps you stay prepared. Even small, regular transfers to savings can give you breathing room when the unexpected hits.

Think of a community member with an irregular income who set up a $10 weekly auto-transfer. After a year, they had $520 saved—enough to handle a car repair or medical bill without reaching for a credit card.
It’s not about how much—it’s about being consistent.

ESB Tip: Open a dedicated savings account and automate a transfer—$10, $20, or whatever works. With time, you'll build security and confidence.

Save for the Future: Make Your Dreams a Reality

From saving for a home to planning for retirement, your future deserves steady attention.
Automatic savings makes that possible—even when life gets busy.

Take the example of a young couple who dreamed of buying a home. By setting up a recurring deposit into a joint savings account at ESB, they saved for a down payment and moving expenses in just three years.
Seeing that account grow month after month kept them focused and motivated.

ESB Tip: Use split direct deposit to send part of your paycheck straight into a savings account, IRA, or house fund. No extra steps, just progress.

Why Automatic Savings Works

Automatic savings removes the guesswork and keeps your goals on track:

• Consistency builds strong habits
• Discipline helps avoid the temptation to spend
• Convenience means less work, more results

How to Set It Up with ESB

Getting started is easy—here’s how:

Define Your Goals
Are you working on debt, emergency savings, or long-term dreams?

Choose Your Method

Set up recurring transfers in online banking or the ESB app

Use bill pay to automate loan or credit card payments

Ask your employer about split direct deposit for seamless savings

Enroll in your employer’s retirement plan or open an IRA

Start Small, Think Big
Begin with as little as $10 a week. As your finances improve, scale up.

Track Your Progress
Log in regularly to check your balances and celebrate small wins!

Your Financial Future Starts Now

At ESB, we’re here to help you build the life you envision—one automatic transfer at a time. Whether you're cleaning up debt, preparing for emergencies, or planning big dreams, consistency is key.

Start saving automatically today. Your future self will thank you.