--- title: Busey Money Matters Blog description: Money Matters covers a variety of topics focused around our five lines of business—personal, mortgage, commercial, cash management and wealth management. --- - [Personal](https://www.busey.com/personal) - [Business](https://www.busey.com/business) - [Wealth Management](https://www.busey.com/wealth-management) - [Mortgage](https://www.busey.com/mortgage) - [Ag Services](https://www.busey.com/ag-services) - Community - [Busey Drives Generosity](https://www.busey.com/busey-drives-generosity) - [Community Banking](https://www.busey.com/personal/community-banking) - [Community Calendar](https://www.busey.com/about-us/community-calendar) - [Community Shred Day Events](https://www.busey.com/about-us/shred-days) - [Financial Education Center](https://www.busey.com/personal/financial-pathways) - [Busey Bank Bridge Scholorship](https://www.busey.com/busey/busey-bank-bridge-scholarship) - [Community Reinvestment Notice](https://www.busey.com/about-us/community-reinvestment-notice) - [Community Reinvestment Act Public File](https://www.busey.com/about-us/community-reinvestment-act-public-file) - [Charitable Contributions Guidelines](https://www.busey.com/about-us/charitable-contributions-guidelines) - About Us - [The Busey Way](https://www.busey.com/about-us/the-busey-way) - [Busey Volunteerism](https://www.busey.com/about-us/busey-volunteerism) - [Giving Back to the Communities](https://www.busey.com/about-us/impact) - [Awards & Recognition](https://www.busey.com/awards-and-recognition) - [Newsroom](https://www.busey.com/about-us/newsroom) - [Investor Relations](https://ir.busey.com/) - [Careers](https://www.busey.com/about-us/careers) Open Search Close search dialog Enter search terms Start Site Search [![Busey Bank](https://moneymatters.busey.com/hubfs/Busey_October2019/images/busey-bank.svg)![Busey Bank](https://moneymatters.busey.com/hubfs/Busey_October2019/images/busey-circle.svg)](https://www.busey.com/) - I want to - [Open an Account](https://go.busey.com/) - [Apply for a Consumer Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD-jlXO7mpgTdb1qy86LnvVIwZ_IS0ex49CDYic-LEbz2VzE7E43j2guZbuQ41B2elw) - [Purchase or Refinance a Home](https://www.busey.com/mortgage) - [Enroll in Online Banking](https://www.busey.com/personal/products-and-services/online---mobile/online-banking) - [Request an Appointment](https://www.busey.com/bank-by-appointment) - [Join Team Busey](https://www.busey.com/about-us/careers) - Tools & Resources - [Money Matters Blog](https://moneymatters.busey.com/) - [Customer FAQs](https://www.busey.com/busey/customer-care/frequently-asked-questions) - [Financial Calculators](https://www.busey.com/personal/financial-calculators) - [Request an Appointment](https://www.busey.com/bank-by-appointment) - [Holiday Observances](https://www.busey.com/busey/customer-care/holiday-observances) - [Disclosures](https://www.busey.com/busey/customer-care/disclosures) - [Publications](https://www.busey.com/money-matters/publications) - Customer Care - [Contact Us](https://www.busey.com/busey/customer-care/contact-us) - Locations - [Locations & Hours](https://www.busey.com/busey/customer-care/locations-and-hours) - I want to - [Open an Account](https://go.busey.com/) - [Apply for a Consumer Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD-jlXO7mpgTdb1qy86LnvVIwZ_IS0ex49CDYic-LEbz2VzE7E43j2guZbuQ41B2elw) - [Purchase or Refinance a Home](https://www.busey.com/mortgage) - [Enroll in Online Banking](https://www.busey.com/personal/products-and-services/online---mobile/online-banking) - [Request an Appointment](https://www.busey.com/bank-by-appointment) - [Join Team Busey](https://www.busey.com/about-us/careers) - Tools & Resources - [Money Matters Blog](https://moneymatters.busey.com/) - [Customer FAQs](https://www.busey.com/busey/customer-care/frequently-asked-questions) - [Financial Calculators](https://www.busey.com/personal/financial-calculators) - [Request an Appointment](https://www.busey.com/bank-by-appointment) - [Holiday Observances](https://www.busey.com/busey/customer-care/holiday-observances) - [Disclosures](https://www.busey.com/busey/customer-care/disclosures) - [Publications](https://www.busey.com/money-matters/publications) - Customer Care - [Contact Us](https://www.busey.com/busey/customer-care/contact-us) - Locations - [Locations & Hours](https://www.busey.com/busey/customer-care/locations-and-hours) ![](https://moneymatters.busey.com/hubfs/Busey_October2019/MoneyMattersBlogHeader_December2023.jpg) #### [Maximizing Your Employee Benefits](https://moneymatters.busey.com/busey-bank-maximizing-your-employee-benefits) [Financial Planning](https://moneymatters.busey.com/tag/financial-planning) [Jack McDermott](https://moneymatters.busey.com/author/jack-mcdermott) Can you imagine turning down a pay raise without realizing it? That is essentially what happens when employees do not... [Read More](https://moneymatters.busey.com/busey-bank-maximizing-your-employee-benefits) [![A man and woman sit at a conference room table, looking at a laptop](https://moneymatters.busey.com/hubfs/MoneyMatters/2606_BAN_MM_September_Q3W4.png)](https://moneymatters.busey.com/busey-bank-maximizing-your-employee-benefits) #### [Check Fraud in the Digital Age: Why an Old Scam Still Threatens Modern Businesses](https://moneymatters.busey.com/busey-bank-check-fraud-in-the-digital-age-why-an-old-scam-still-threatens-modern-businesses) [Business](https://moneymatters.busey.com/tag/business), [Fraud](https://moneymatters.busey.com/tag/fraud) [Busey Bank](https://moneymatters.busey.com/author/busey-bank) When most business transactions happen electronically, it's easy to assume paper checks are becoming a thing of the... [Read More](https://moneymatters.busey.com/busey-bank-check-fraud-in-the-digital-age-why-an-old-scam-still-threatens-modern-businesses) [![Scams in the digital age](https://moneymatters.busey.com/hubfs/2608_WEB_MM_Fraud_September_350%20x%20350.jpg)](https://moneymatters.busey.com/busey-bank-check-fraud-in-the-digital-age-why-an-old-scam-still-threatens-modern-businesses) #### [Understanding Your 401(k)](https://moneymatters.busey.com/busey-bank-understanding-your-401k) [Retirement Planning](https://moneymatters.busey.com/tag/retirement-planning) [Adam Owen, CRPS®, AIF®](https://moneymatters.busey.com/author/adam-owen-crps-aif) Planning for retirement can feel overwhelming, so it’s important to understand the basics of a 401(k) plan. Whether... [Read More](https://moneymatters.busey.com/busey-bank-understanding-your-401k) [![A woman sits at a desk, looking at her laptop.](https://moneymatters.busey.com/hubfs/MoneyMatters/2606_BAN_MM_September_Q3W2.png)](https://moneymatters.busey.com/busey-bank-understanding-your-401k) #### [Little Actions, Big Results for Your Savings](https://moneymatters.busey.com/busey-bank-little-actions-big-results-for-your-savings) [Wealth](https://moneymatters.busey.com/tag/wealth) [Kadin Angel](https://moneymatters.busey.com/author/kadin-angel) In personal finance, success can often be portrayed as the result of large income increases, complex investment... 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[Read More](https://moneymatters.busey.com/busey-bank-account-takeover-credential-theft-what-you-need-to-know) [![Image of account takeover fraud](https://moneymatters.busey.com/hubfs/2607_WEB_MM_Fraud_August_350x350.jpg)](https://moneymatters.busey.com/busey-bank-account-takeover-credential-theft-what-you-need-to-know) #### [Staying Motivated and On Budget](https://moneymatters.busey.com/busey-bank-staying-motivated-and-on-budget) [Wealth](https://moneymatters.busey.com/tag/wealth) [Chris Pudlo](https://moneymatters.busey.com/author/chris-pudlo) While sticking to a budget sounds simple, it can lead to frustration and discouragement as motivation fades—especially... [Read More](https://moneymatters.busey.com/busey-bank-staying-motivated-and-on-budget) [![A man and woman stand in a grocery store.](https://moneymatters.busey.com/hubfs/MoneyMatters/2606_BAN_MM_August_Q3W2.png)](https://moneymatters.busey.com/busey-bank-staying-motivated-and-on-budget) #### [Debunking Common Retirement Myths](https://moneymatters.busey.com/busey-bank-debunking-common-retirement-myths) [Wealth](https://moneymatters.busey.com/tag/wealth) [Danny Lack](https://moneymatters.busey.com/author/danny-lack) Our biases, lifestyles and personal experiences can shape—and sometimes distort—the way we think about retirement.... [Read More](https://moneymatters.busey.com/busey-bank-debunking-common-retirement-myths) [![A woman hugs a man as they look at a laptop.](https://moneymatters.busey.com/hubfs/MoneyMatters/2606_BAN_MM_July_Q3W4.png)](https://moneymatters.busey.com/busey-bank-debunking-common-retirement-myths) #### [Protecting Your Business from Account Takeover Fraud](https://moneymatters.busey.com/busey-bank-protecting-your-business-from-account-takeover-fraud) [Fraud](https://moneymatters.busey.com/tag/fraud) [Busey Bank](https://moneymatters.busey.com/author/busey-bank) For many businesses, cybersecurity threats no longer look like dramatic Hollywood-style hacks. Instead, some of the... [Read More](https://moneymatters.busey.com/busey-bank-protecting-your-business-from-account-takeover-fraud) [![Businessman typing on computer to prevent fraud](https://moneymatters.busey.com/hubfs/2606_WEB_MM_Fraud_July_350x350.jpg)](https://moneymatters.busey.com/busey-bank-protecting-your-business-from-account-takeover-fraud) #### [Tackling Financial Misconceptions](https://moneymatters.busey.com/busey-bank-tackling-financial-misconceptions) [Wealth](https://moneymatters.busey.com/tag/wealth) [Clayton Wiecher](https://moneymatters.busey.com/author/clayton-wiecher) Misconceptions about personal finance can pop up just about anywhere—from family, friends, online resources and social... [Read More](https://moneymatters.busey.com/busey-bank-tackling-financial-misconceptions) [![A woman sits at a table.](https://moneymatters.busey.com/hubfs/MoneyMatters/2606_BAN_MM_July_Q3W2.png)](https://moneymatters.busey.com/busey-bank-tackling-financial-misconceptions) #### [How Financial Reviews Can Help Reduce Tax‑Related Surprises](https://moneymatters.busey.com/busey-bank-how-financial-reviews-can-help-reduce-tax-related-surprises) [Wealth](https://moneymatters.busey.com/tag/wealth) [Dries Durnez, CFP®](https://moneymatters.busey.com/author/dries-durnez) One of the most common frustrations taxpayers express each year is, “Why do I owe when nothing changed?” In many cases,... 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