Appointments  |  Rates  |  Locations  |  Chat  |  JOIN NOW

Did you ever shake your head at your Mother’s advice?

“Don’t make that face…it will freeze that way!”

“Keep your elbows off the table.”

“Don’t talk with your mouth full, you’ll choke.”

“Always wear clean underwear in case you are in an accident.”

“Save for a rainy day.”

I think I have tested each of these pieces of advice over my adult life. They were all dead on!

I have frown lines from frowning too often.

I have knocked over cups, silverware and a whole bowl of peas.

I have choked on my food while talking and laughing.

I was in an accident and was thankful I had dressed appropriately.

I’ve had many a rainy day!

The most important thing that we can teach our children (and most adults need reminding) is to, “hope for the best but prepare for the worst.”

You really can’t go through life believing nothing bad will ever happen to you. I’m not saying that you shouldn’t live life to the fullest or avoid calculated risks. I say go for it…but plan to have a rainy day.

My friend recently said this to a college student and the student didn’t know what the saying meant. It made us feel old … but also sad. Has this young adult not been told that things can sometimes go wrong? Mom and Dad might not hand you a debit or credit card and say spend away. You might not get the first job you apply for … or the first 20 jobs for that matter. You might get ill.

My latest accident and rainy day reminded me of the importance of a plan.

Are all of your Ducks in a row?  What would your mama think?

Get your ducks in a row with these links:
Retirement Planning and Saving
Insurance for just about everything
Educated decisions about making purchases and budgeting
Identity Theft Protection

Stop by to talk with one of our Member Service Representatives today to get pointed in the right direction and be ready for any Rain Cloud that heads your way!

Checking Accounts

Premium Perks

Freedom Checking

CashBack Checking

Direct Deposit

More

Savings Accounts

Savings Accounts

Super Saver

Money Market

h

Certificates

HSA

Cards

Debit Card

Low Rate Credit Card

Rewards Credit Card

CU Rewards

Card Controls

Tools

Mobile Deposit

Online Banking

Pay Someone

eAlerts

Compare Rates

Vehicle Loans

Auto Loans

Refinance Your Car

Motorcycle & Jet Ski Loans

Boat & RV Loans

Mortgage & Home Loans

Mortgages

Refinance Your House

Home Equity Loans

Construction Loans

Personal

Personal Loans

,

StretchPay Loans

Student Loans

Credit Cards

Tools

Apply for a Loan

Pay a Loan

Online Bill Pay

Chat With Us

Financial Planning

Investments

i

Estate Planning

401(k) Rollover

Retirement Planning

Day Air Insurance

Auto Insurance

Home Insurance

Identity Theft Protection

Life Insurance

More Products & Services

RetireMed

Financial Counseling

Credit Reports

Reorder Checks

More

Online Banking

Online Banking

Online Bill Pay

Login to Online Banking

Mobile Banking

Mobile Banking

Mobile Deposit

Pay Someone

Text Banking

Tools

Apply for a Loan

Pay a Loan

eAlerts

Mobile Pay

Chat With Us

Accounts

Business Checking

Business Savings

Business Certificates

Cards

Business Debit Card

Business Credit Card

Loans

Commercial Loans

Term Loans

PPP Loans

Line of Credit

Services

Business Bill Pay

Tools

Online Business Banking

Login to Business Banking

Login to PIB MLO

Business Banking App

Join Day Air

Why Choose Day Air

Membership Eligibility

Annual Member Savings

Compare Rates

Join Day Air

Community

Community Involvement

Financial Education

Dayton VA Medical Center

Dayton Dragons

Contests & Sweepstakes

About

Press & News

Newsletters & Reports

Videos

Careers

Helpful Resources