1. Fill out the Money Merge Account™ work sheet

2. Activate your Money Merge Account™

3. Deposit Your Paycheck

Deposit your paycheck into your current checking and/or savings account. As soon as the funds clear, the amount you designate is transferred from your checking and/or savings account into your Money Merge Account™ managed line of credit. Because the line of credit is connected to your home, the money transferred from your checking and/or savings accounts decreases your mortgage balance, thus reducing the balance in which interest builds.

4. Pay Your Bills

Throughout the month, you pay your bills using your Money Merge Account™ managed line of credit. With this account, money is immediately available through checks, debit cards, and ATMs*. The amount left after bills have been paid remains against the balance of your mortgage until you need it, keeping your mortgage balance as low as possible, further reducing mortgage interest charges.

5. Follow the system

Follow the promptings of the online Money Merge Account™ system to maximize your savings and pay your mortgage off as quickly as possible.*

We encourage homeowners to do their homework and to get the facts in deciding if the Money Merge Account™ is right for you. *Please keep in mind that not all banks provide the same terms and services with their lines of credit. Please inquire with your bank as to what services they provide with their lines of credit. United First Financial does not provide financial or investment advice.

Program Benefits