Technically Responsible

FSB

Technically Responsible is the money-minded podcast from the team at FSB, created to help young adults build better financial habits, make more confident money decisions, and move beyond simply being “technically responsible.” New episodes release every Monday on Apple Podcasts, Spotify, YouTube, and wherever you get your podcasts.

Episodes

  1. 10h ago

    Financial Terms Explained: Escrow, DTI, Emergency Funds & More | Episode 2

    In this episode of Technically Responsible, Cassandra Kotek and Nick Glew go through a few financial terms that can sound more complicated than they really are. They cover reconcile (checking your transactions to make sure everything is accurate), escrow (setting money aside for property taxes and insurance through your mortgage), debt-to-income ratio (comparing what you owe each month to what you earn), and emergency fund (money set aside for unexpected expenses). They also talk about why it helps to have a banker you can ask questions and why emergency savings should be accessible, but separate from the account you use every day. Technically Responsible is the money-minded podcast from the team at FSB, created to help young adults build better financial habits, make more confident money decisions, and move beyond simply being “technically responsible.” New episodes release every Monday on Apple Podcasts, Spotify, YouTube, and wherever you get your podcasts. FSB is a locally-owned, community bank serving individuals, families, and businesses across Eastern Iowa. From everyday banking and lending to tools and resources that make managing money a little easier, FSB helps customers make confident financial decisions at every stage of life. Learn more about FSB and explore our banking services at myfsbonline.com. All accounts are subject to approval, and some require underwriting. Minimum deposit amount required. General financial advice is not applicable to all persons or situations. Contact an FSB representative for information specific to your situation. Investment and insurance products are not insured, not guaranteed, and may lose value. Visit myfsbonline.com for complete info. Member FDIC. Equal Housing Lender. NMLS# 403565. Mentioned in this episode: FSB Banking Services Whatever you are working toward, FSB is here to help you get there. From checking and savings to mortgages, personal loans, business banking, wealth management, and convenient digital banking tools, FSB offers the financial services you need with the local service you expect. Bank online, or stop in and talk with a local banker. FSB. Faster. Stronger. Better.® Learn more at myfsbonline.com. Subject to Approval. Additional Terms and Conditions Apply. Visit myfsbonline.com for complete info. NMLS #403565 $350 Off Mortgage Closing Costs Buying a home comes with plenty of expenses. Here is one way to keep a little more money in your pocket. Finance your next home with FSB and receive $350 off eligible mortgage closing costs when you mention promo code REWARDSFSB. You will get local guidance from an FSB mortgage lender who can help you navigate the process from application to closing. Learn more at myfsbonline.com. Offer subject to credit approval. Applicants must be at least 18 years old. Eligible borrowers may receive up to $350 toward closing costs, subject to approval. Additional terms and conditions apply. The promotion may be discontinued at the bank’s discretion with 30 days’ notice. Visit myfsbonline.com/mortgages/loan-options to apply. NMLS #403565.

  2. 10h ago

    Financial Confidence: How to Take Control of Your Money | Episode 1

    Money can be uncomfortable to talk about, especially when it feels like everyone else has it figured out. In this episode of Technically Responsible, Nick Glew and Cassandra Kotek talk about living paycheck to paycheck, credit cards, impulse spending, and how social media can influence the way we spend. They also share simple ways to make managing money easier, from splitting your direct deposit and automating savings to having more open conversations about money with family. Technically Responsible is the money-minded podcast from the team at FSB, created to help young adults build better financial habits, make more confident money decisions, and move beyond simply being “technically responsible.” New episodes release every Monday on Apple Podcasts, Spotify, YouTube, and wherever you get your podcasts. FSB is a locally-owned, community bank serving individuals, families, and businesses across Eastern Iowa. From everyday banking and lending to tools and resources that make managing money a little easier, FSB helps customers make confident financial decisions at every stage of life. Learn more about FSB and explore our banking services at myfsbonline.com. All accounts are subject to approval, and some require underwriting. Minimum deposit amount required. General financial advice is not applicable to all persons or situations. Contact an FSB representative for information specific to your situation. Investment and insurance products are not insured, not guaranteed, and may lose value. Visit myfsbonline.com for complete info. Member FDIC. Equal Housing Lender. NMLS# 403565. Mentioned in this episode: FSB Banking Services Whatever you are working toward, FSB is here to help you get there. From checking and savings to mortgages, personal loans, business banking, wealth management, and convenient digital banking tools, FSB offers the financial services you need with the local service you expect. Bank online, or stop in and talk with a local banker. FSB. Faster. Stronger. Better.® Learn more at myfsbonline.com. Subject to Approval. Additional Terms and Conditions Apply. Visit myfsbonline.com for complete info. NMLS #403565 $350 Rewards Checking Bonus Your checking account should do more than hold your money. With FSB Rewards Checking, you can earn rewards for the everyday banking you are already doing - and right now, new customers can earn a $350 account-opening bonus. Ready to make the switch? Open an eligible Rewards Checking account and mention promo code REWARDSFSB to take advantage of the offer. Learn more at myfsbonline.com. Subject to approval. Limit one bonus per household. Cannot be combined with other offers. A minimum deposit of $1,000 is required to open the account and avoid monthly fees. This is an interest-bearing account. To qualify for the bonus, you must complete at least 15 debit card transactions per month, receive a direct deposit of at least $500, and enroll in eStatements. Interest rates are subject to change. Additional terms and conditions apply. The promotion may be discontinued at the bank’s discretion with 30 days’ notice. Visit myfsbonline.com/personal/banking/checking/high-yield-checking-account to apply.

About

Technically Responsible is the money-minded podcast from the team at FSB, created to help young adults build better financial habits, make more confident money decisions, and move beyond simply being “technically responsible.” New episodes release every Monday on Apple Podcasts, Spotify, YouTube, and wherever you get your podcasts.