If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Say Yes To Two Savings Accounts

A stress-free financial life is about managing your money properly. Having the right balance of bank accounts, investments, and credit is all apart of the mix. Let’s focus on bank accounts today. All of us probably have a checking account and most likely a savings account. But have you considered having two savings accounts? In your debt management efforts, it is important that you have proper financial tools. Now let’s find out all the benefits of having multiple savings accounts.

Two savings accounts - twice the power!

Two savings accounts – twice the power!

Why Say Yes to Two Savings Accounts

Saving money in a savings account can serve two purposes. One account can be an emergency fund. The second savings account will be for items that you spend money on less frequently. This could be your property tax bills, insurance premium or vacation fund. Whatever purpose you collect the money for, the idea is to put some extra cash away routinely.

Building your emergency fund is an exercise on its own! Your budget plays an important role in this. Knowing your expenses and income inside out helps you build a reasonable emergency fund. Our credit counseling advice is to have at least 6 months worth of living expenses in this account. Your budget will probably have an allocation each month that goes to this savings account. Out of the two savings accounts, you should not touch the one with the emergency fund money.

The money you send to the second savings account should also be considered as an expense in your monthly budget. You will have an idea on what your insurance premium or property tax will be. Divide that by 12 to make the monthly allocation.

Making a commitment to save is what it takes for your finances to succeed. If you are struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 



Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/say-yes-to-two-savings-accounts
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=say-yes-to-two-savings-accounts
Loaded Template: single.php