Life has a way of throwing curveballs when we least expect them. A flat tire. A medical bill. A home repair that can’t wait. While we can’t always plan for emergencies, we can prepare for them—and that preparation starts with an emergency fund.
At Chambers Bank, we believe financial peace of mind is built one small, intentional step at a time. As a community bank, helping our neighbors save for the unexpected isn’t just good banking—it’s part of who we are.
What Is an Emergency Fund?
An emergency fund is money set aside specifically for unexpected expenses. Financial experts typically recommend saving enough to cover three to six months of essential expenses, but even a few hundred dollars can make a big difference when life happens.
The key is keeping these funds:
- Easily accessible
- Separate from everyday spending
- Safe and secure
That’s where a dedicated savings account comes in.
Why Saving at a Community Bank Makes a Difference
Big banks may offer flashy features, but community banks offer something just as important: relationships and guidance.
When you save with a community bank like Chambers, you get:
- Personalized advice from local bankers who know your community
- Encouragement and accountability to help you stick with your goals
- Tools designed for real people, not one-size-fits-all solutions
We’re here to help you build strong financial habits—not just open accounts.
Make Saving Effortless with Savings Cents
One of the easiest ways to start (and stick with) an emergency fund is by automating your savings. That’s why Chambers offers Savings Cents.
With Savings Cents:
- Every debit card purchase is rounded up to the nearest dollar
- The “spare change” is automatically transferred to your savings account
- Small amounts add up over time—without you even thinking about it
That $0.37 here and $0.82 there may not feel like much, but over months and years, it can quietly build a safety net for unexpected expenses.
Start Small. Stay Consistent.
The most important thing about an emergency fund isn’t how much you start with—it’s starting at all.
Try this simple approach:
- Open or designate a savings account just for emergencies
- Enroll in Savings Cents to automate deposits
- Add extra funds when you can—tax refunds, bonuses, or side income
- Leave the money alone unless it’s truly an emergency
Consistency beats perfection every time.
We’re Here to Help
Building an emergency fund is one of the most empowering financial steps you can take—and you don’t have to do it alone. Whether you’re just getting started or looking for ways to save smarter, your local Chambers banker is ready to help you create a plan that works for your life.
Because at the end of the day, a strong community starts with financially confident neighbors—and that’s something worth saving for.
Download our emergency fund worksheet (PDF)