Digital Investing with Your Everyday Banking Tools

Taking the Next Step Toward Financial Wellness with Digital Investing

Investing can feel complicated, especially when it seems like you need another account, another app, or another platform to get started. But what if investing could be integrated into the financial tools you already use every day? As financial technology continues to evolve, more options are becoming available to help simplify the investing experience. In this MMFCU Financial Wellness Minute, we'll explore how investing from your checking or savings account can make it easier to start investing, stay connected to your finances, and manage more of your financial life in one place.

5 Reasons Investing from Your Checking or Savings Can Make Sense 

Between checking and savings accounts, credit cards, loans, retirement plans, and payment apps, you might be spreading your money around more than ever before. 
But what if you could keep more of your money in one place-and do your investing there, too? 
With the new Investing from Checking or Savings feature from InvestiFi*, you have the opportunity to start investing in eight different cryptocurrencies and over 6,500 stocks and exchange-traded funds (ETFs) directly from your MMFCU checking or savings accounts. In other words, you can handle your investing and money management all from your Online Banking or Mobile App. 

• Stocks: Ownership shares in individual companies.
• ETFs: Investments that hold a collection of stocks or other assets. 
• Cryptocurrency: Digital assets that can experience significant price volatility.

Here are a few reasons Investing from your accounts might make sense for you. 

1. No new platforms 
   When you want to invest, you usually have to create an account on an unfamiliar website or install a new app on your phone. But when you use InvestiFi directly from your checking or savings account, it's a lot easier. You can just log into your Online Banking or Mobile App and go from there. 
2. Get started with a few clicks 
   When you trade directly from your MMFCU checking or savings account, there are fewer steps to complete. Instead of setting up an account at a completely unrelated website and experiencing hassles and delays shifting your money around, you invest where you already do your online banking using InvestiFi's embedded platform.
3. Review your finances at a glance 
   It can be surprisingly easy to forget about your financial accounts, especially if you've got dozens of them. For example, it was estimated in a 2025 study by Capitalize that Americans had over $2 trillion in forgotten 401(k) accounts. But you don't have to worry about forgetting where you put your money or your investments when you do your trading with InvestiFi. You can simply log into your Online Banking or Mobile App at any time to see what's happening with your portfolio. 
4. Avoid unvetted trading platforms 
   Investing can be risky, especially with investing scams on the rise. More than one in five investors now say they've been victims of investment scams according to a study commissioned by InvestiFi. 
   With Investing from Checking or Savings, you get to skip the questionable apps and trade using InvestiFi, a trusted partner of a financial institution you already rely on. 
5. Start with as little as $1 
   With just $1, you can start trading-even if you don't have enough to buy a whole share of a stock. For cryptocurrencies, all you need is $6 to make your initial trade. With fractional ownership, you can own a part of a stock or cryptocurrency without having to shell out potentially thousands of dollars. One of the main reasons people don't invest is because they think they need more money to begin. But now you don't have to let that barrier stand in the way.

Final thought 

While investing offers growth potential, the value of investments can rise and fall over time. Figuring out where and how to buy and sell crypto, stocks or ETFs can be overwhelming. Whether you're a first-time investor or looking for a simpler way to manage your investments, understanding your options is an important step toward reaching your long-term financial goals. InvestiFi has options to invest that fit you. "Go it alone" or be helped with guided investing, along with educational resources to gain additional understanding of the financial markets.

Source: InvestiFi. 5 Reasons Investing from Your Checking or Savings Can Make Sense. Asset retrieved July 2026.

Digital assets (cryptocurrencies) are made available and held in a digital asset wallet operated by BitGo Bank & Trust, National Association (N.A.) ("BitGo"), not Mid Minnesota Federal Credit Union, InvestiFi, or its affiliates. BitGo is a separate entity from, and not an affiliate of, Mid Minnesota Federal Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of Mid Minnesota Federal Credit Union or BitGo; (3) not guaranteed by Mid Minnesota Federal Credit Union or BitGo; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) by a third party. Mid Minnesota Federal Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e., cryptocurrencies) held in your digital asset wallet operated by BitGo (i.e. Crypto ) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you, given your financial situation. Digital assets are not obligations of Mid Minnesota Federal Credit Union or BitGo and are not guaranteed by Mid Minnesota Federal Credit Union or BitGo.