Get a consolidated view of all your accounts balances and spending habits.
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The personal money management and budget tools in Online Banking feature five interactive widgets that display different information about your accounts.
The first of these is the Spending widget. This tool provides an easy-to-understand model of your spending habits and helps you see and better understand how you spend your money and take control of your monthly cash flow. Identify problem areas and learn important skills to make sure you’re getting the most out of your hard-earned money.
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The Budget widget reveals practical and easy-to-understand graphics that help you see exactly how you spend your money and how you can save or invest more. A solid budget can be the key to better financial health.
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Get a full understanding of your spending patterns. The Trends tool makes it easy to follow your spending patterns over 3, 6, 9, or 12 months. Gain valuable insights about how and when you spend your money and develop a plan for future spending.
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See all your income and expenses on a given day, including future predictions. Know ahead of time if you'll be able to afford that big purchase and keep track of your recurring bills and deposits to see how they affect your financial future.
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Visualize your net worth over time. You can analyze monthly transactions to maximize your bottom line and learn how understanding your net worth can impact your overall financial picture.
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See all of your debts in one place and make a plan to pay them down. With the Debts tool, add your debt information and it automatically calculates your fastest debt-free date and payment plan.
Budgeting Tools are built into Online Banking and are just waiting for you to click on them!
On your computer, you will see the six tools listed across the top: Spending, Budget, Trends, Cash Flow, Net Worth, and Debts. Click on any of those widget names to get started.
On the app, click on the “Budgeting Tools” button on the home screen to get started.
Linking accounts you hold at other financial institutions allows you to see an even fuller picture of your finances.
On your computer, click the “Link Account” button located next to the budgeting widgets on the homescreen of Online Banking. On the app, click the “Budgeting Tools” button on the homescreen and then “Link Account” in the navigation menu that appears.
You can choose from several major financial institutions. If you don't see the bank or credit union you want to link in the list, search for your financial institution. If you are unable to locate your bank in the list, then they may not be a participant with our Personal Financial Management (PFM) provider.
You'll be asked to input your login credentials you use at your other bank to complete the connection. In order to link the accounts we must validate that you are the owner of the account and gain your authorization to retrieve the account information at your other financial institution. By providing your credentials, you enable us to access your account history at the other bank so you can see it in Online Banking.
While the connection is being completed, you can continue linking other accounts. Once the link is complete, you will see a notification on the homescreen.
It’s so convenient to see all of my finances in one place and be able to track my spending. I use the budgeting tools within online banking often and it’s helped me to find the best ways to manage my money.
