Unexpected Expenses
The surprise wasn’t a happy one and your brain is in overdrive. Don’t worry, there are ways to steady the ship.
It’s late, and you weren’t planning to be here tonight. The water heater. The medical bill. The car that picked the worst possible week to become a very expensive paperweight. Unexpected expenses have a way of ambushing your peace of mind and then your bank account, in that order. Your heart’s still racing a little, and you’re running the numbers, what can move, what can wait, whether this sets you back weeks or months. Take a breath, know that you aren’t alone. Forty percent of Americans say they consistently worry about their financial stability. Here’s what your banker knows that you can’t see right now: this is solvable and you don’t have to solve it alone at this hour.
Here’s what you can do:
How AUB can help
You weren’t expecting this. But we’ve been expecting moments like this, and we know how to get you through it and back to steady ground.
Saving for Retirement
Debt Management
Saving for Milestones
Monthly Expenses
Home Ownership
Scams & Fraud
Your Money Rhythm
Growing My Business
Managing Cash Flow
Business Fraud Protection
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
Money is the No. 1 thing keeping Americans awake at night.
1
Nationwide
Ask people what keeps them up and the overwhelming answer isn’t a boss or the news cycle. It’s money. A new, national survey of 1,973 U.S. consumers conducted by Atlantic Union Bank found money or finances is the single biggest thing keeping people awake.
Atlantic Union Bank Financial Insomnia Research, 2026
You're tossing and turning over being prepared for retirement. Let’s get you some rest.
It's 2 a.m. and you're running the numbers in your head, the 401(k), Social Security, the big question of whether "enough" is ever actually enough. Retirement worry has a way of feeling overwhelming and shapeless all at once. You’re not alone in these thoughts.
- Get the full picture.
- Build a plan that fits your real life.
- Automate the heavy lifting.
- Your advisor gives you a check-in rhythm.
The balance is growing and so is the knot in your stomach. Let’s unwind both.
It's late, and you're scrolling through the balances, moving them around in your head, wondering if you'll ever see zero. The interest alone can feel like a second bill. But here's what most people don't realize: most debt doesn't come from carelessness.
- Get the full, honest picture — without the shame.
- Identify what's actually costing you the most.
- Build a payoff plan that fits your real life.
- Lower the cost of carrying debt.
- Break the cycle, not just the balance.
It’s late, and instead of worrying about what’s wrong, you’re thinking about what’s ahead.
A wedding. A first home. The college education you want to provide your child. The milestone that matters to you and won’t stop tugging at your mind. This is the good kind of lying awake. The kind that comes from wanting something real, not dreading something you can’t control.
- Build a timeline that works backward.
- Set up the right savings vehicle.
- Automate the path so you don’t have to think about it.
The bills are due and the math isn't mathing. Let’s breathe.
You're adding it all up, rent, electric, phone, car payment, rising grocery prices and the thing you forgot was on autopay. The number ends up being bigger than what's in your account. That tight-chest feeling is real, and it's one of the worst money moments there is. But you're not the only one doing this math.
- Sort what's urgent from what has flex.
- Find the money you might be missing.
- Review your options.
- Plan for the tighter months.
You're staring at the ceiling thinking about a house. Let’s change those thoughts to dreams come true.
It's late, and your brain is running the same loop: Can I afford this? What about the rate? What if prices change? Buying a home is one of the biggest decisions of your life, and it's completely normal to feel the weight of it at this hour.
- Find your real number.
- Your loan officer translates the jargon into plain English.
- Get pre-approved before you fall in love with a house.
- Build a savings plan for the upfront costs.
- Your loan officer stays in your corner through closing.
It’s 2am and you’re replaying the moment your stomach dropped. Let’s turn the swirl into a solve.
You're replaying the moment – the unusual charge, the link you likely shouldn't have clicked or the call that felt suspicious. Fraud has a way of making you feel exposed in a way that ordinary money stress doesn't.
Your money should be working toward your goals, not competing for your attention.
It’s the middle of the night and you’re trying to balance spending, saving, and everything in between. It can feel like there's always another financial decision waiting to be made. You’re not alone either.
You’ve got the idea, the drive and the 2 a.m. energy. Your banker has the roadmap to make it real.
You’re lying awake, but tonight it’s not from worry. It’s from the thing you’re building. The idea that won’t let you go, the plan taking shape in your head, the “what if I actually did this” that keeps your eyes open with excitement instead of dread. That feeling? That’s the good kind of insomnia.
- Help you build the real numbers.
- Find the right funding.
- Create a business banking foundation.
- Your banker stays in your corner as you grow.
Your cash flow feels like a roller coaster, and you’re the one who can’t get off. Your banker knows how to smooth the ride.
It’s late, and you’re staring at the same spreadsheet you’ve been staring at all day, with money coming in, money going out, and the gap between the two that never quite lines up the way you hoped.
- Map your cash flow cycle clearly.
- Find the gaps before they become crises.
- Build a buffer strategy.
- Your banker helps you time your growth to your cash.
Are increased concerns about business fraud keeping you up? Let’s work through it together.
You keep replaying the email that looked like it was from a vendor again and again. Or the payment you approved before something felt off. Now, you’re wondering what else might be wrong and what it could mean for the business you’ve worked so hard to build.
- Talk through what happened.
- Review how money moves.
- Plan for the next attempt.
Win Money in Your Sleep
Enter for a chance to win $10,000 and say Goodnight, In$omnia.
Let the soothing sounds of Green Noi$e lull you back to sleep
Asleep the Change
Atlantic Union Bank
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