A Flexible Way to Borrow:

Convert My Money is a simple currency converter that allows you to quickly check the latest currency exchange rates. Upon exit the app saves the currencies you've selected. With more than 160 currencies and hourly updated conversion rates, Convert My Money is becoming a popular and proven choice when converting foreign currencies. At Your Money Line we believe behavior is the key to financial change, not income level. Changing the tide of financial behavior takes a lot of motivation and discipline. We measure basic engagement with Your Money Line and the dashboard, but more importantly, we measure behavior. We’ll show you on average where your employees currently stand financially so you can watch as they change their behaviour throughout the year. You can also send money by calling 1-800-CALL-CASH ® (1-800-225-5227) to send money within the U.S and to most international locations 5. To send money online, register to create your Western Union profile. Then follow the steps below to complete your money transfer. Take advantage of our online and in-app money transfer services to limit unnecessary travel; Check with local agents in the U.S. For store hours, restrictions, and closures if you need to send money using cash; We also want to make your time at home a little easier.

A line of credit is an open-end credit product that allows you to make draws, repay and redraw as needed, while a traditional installment loan is a lump sum of money that is usually repaid over a fixed loan term. A line of credit is a flexible way to borrow to ensure you have a safety net for any unexpected expenses.

• With a Line of Credit by CBW Bank, you only pay charges on what you borrow.
• You can request a draw at any time as long as you have available credit and your account is in good standing.
• If you have an outstanding balance, you will need to make regular payments, and your due dates will generally align with your pay frequency.
• The process to submit a request is simple, quick, and completely transparent, with clear repayment terms and no hidden charges.

Step 1: Submit your Request

Getting started is simple and only takes a few minutes to complete.

Step 2: Get Approved¹

Request a credit limit, securely verify your details and review and sign your agreement.

Step 3: Request a Draw

If approved, and you request a draw, money can be deposited into your bank account as soon as the next business day³.

TransUnion Financial Literacy Center

Take a look at these TransUnion articles to get started on the path to improving your financial literacy.

Money Mistakes

How to Rectify Past Financial Sins

Budgeting Tips

Getting Your Finances on Track

Credit Score Recipe

What Goes Into Your Credit Score?

How to Rebuild Your Savings

Tips to Help You Start Saving

Credit Myths and Misconceptions

Dispelling Common Credit Misconceptions

Credit Report Information Guide

What You Need to Know About Your Credit Report

Learn How to Get Credit

Tips to Establish Strong Credit

See what people are saying about CreditFresh:

Why Choose a CreditFresh Line of Credit?

There When you Need it

If approved, you can access your available credit whenever the need arises. Simply request a draw and the funds will be in your account by the next business day³! As you pay down your balance, you can always request additional draws from your available credit. Never hesitate to call, as our dedicated Customer Service team is on standby to help you access the funds you need.

Your Payment Activity Will Be Reported to a Credit Bureau

You may be able to build your credit history and impact your credit score as your payment activity will be reported to TransUnion, one of the major credit bureaus². By building your credit history, you may have other lending options available to you in the future.

Transparent, Easy-to-Understand Product

Navigating the ins and outs of a credit product can be a frustrating process if you encounter hidden fees and terms. With a CreditFresh Line of Credit, you can expect a fully transparent experience with clear repayment terms and a simple Billing Cycle Charge structure. No cash advance fees, late fees, early payment fees or annual fees!

Point Spread

What We Measure

You can’t see true change unless you measure. So we measure—a lot. We measure basic engagement with Your Money Line and the dashboard, but more importantly, we measure behavior. We’ll show you on average where your employees currently stand financially so you can watch as they change their behaviour throughout the year. With on-demand reporting as well as a personalized quarterly report, you’ll never be in the dark about how your employees are improving financially.

Behavior Changes

Power Percentage®
Net Worth
Average Spending on Housing
Average Consumer Debt
Average Financial Stage

Engagement

Calls to Your Money Line
Emails to Your Money Line
Courses Started and Completed
Learning Activities Completed
Live Web Event Attendance

If you’re a financial advisor...

If you’re a financial advisor, then you know about the retirement crisis in our country. You know that only 25 percent of Baby Boomers believe they have enough money to sustain themselves throughout retirement. And you know that nearly every other personal finance statistic points to a challenging future for subsequent generations as well. The financial industry is well aware of these harsh realities and has been trying to solve the problem. Financial wellness is one of the possible solutions the industry has arrived at over the last decade—but there’s a serious problem.

Financial wellness is suffering from an identity crisis.

In fact, financial wellness used to be called financial literacy, then it was changed to financial wellness, and now some folks are claiming it should be called financial well-being. As an advisor, do you really care?

Your Money Line Powered By Pete The Planner

On top of that, nearly everyone involved in all aspects of financial wellness can’t even agree on what financial wellness programming consists of. Is it education? Is it investing advice?

As a financial advisor, you know what creates action and behavior change—personal conversations with participants. People have very real, very personal financial questions. When they get those answers without being forced to sift through generic educational materials, action occurs. The problem is, as you already know, one-on-one guidance has never been scalable. Well, until now.

Where Is Your Money Line On Your Palm

Your Money Line was created to answer people’s specific and personal questions, with people.