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Financial Management Tools - Savings Goals & My Budgets

Savings Goals and My Budgets widgets are free personal financial management tools within Internet Banking and Mobile Banking that complement your day-to-day account management and help give you a more complete view of how you are saving and spending your money.

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    The Savings Goals widget provides a means to hold yourself accountable to any savings milestones you'd like to achieve -- whether saving for a specific purchase, building an emergency savings cushion, or stashing away cash for anything else you want to save for.
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    The My Budgets widget offers budgeting tools that categorize your income and spending behavior so that you get a better picture of how your are managing your finances.
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    Savings Goals and My Budgets must be set up within Internet Banking, but can be viewed within Mobile Banking.

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Savings Goals

You can create a savings goal, perhaps for a new car, by attaching a goal amount and target date to a savings account where you are the primary owner. A status bar shows your progress towards your goal to help you stay on track. You can create more than one goal for an account.


In addition to regular transfers, you can transfer funds right within your goals through the Add Funds button. You can also reallocate funds from other goals tied to the same account. Keep in mind that Savings Goals transfers from savings or tiered money market accounts count towards your Regulation D limit, just as like other Internet Banking transfers.
 

 

Click the Settings option to change the way deposits are allocated to your goals and how you view completed goals within the group. With regards to allocations:

 
  1. Select Ranking to allocate deposits based on the order in which the goals appear within your group. Spending goals at the top of the list receive the full amount of your deposits until your goal is met. Withdrawals remove funds from the lowest ranked goal.
  2. Select Divided to spread deposits across all goals in the group tied to the account. Deposits are distributed based on the amount required to complete a goal compared to the total needed to complete all goals in the group.
  3. You can change the ranking of a goal by dragging each goal to a different position. The goal at the top is ranked the highest and the goal at the bottom is ranked the lowest.

 

 

My Budgets

When setting up a budget, you assign accounts, income, and expenses related to your budget goals. From there, categorize applicable account transactions as they relate to your budget. As you categorize more transactions over time, you'll see if you are staying within your budget or going over it.
 

  • The Spending tab provides a detailed look at your spending habits compared to your budget over the selected time period.
  • The Income tab provides a detailed look at your actual income compared to your expected income over a period of time.
  • You can categorize your spending on the Transactions tab. Pick from categories like Bills & Utilities, Entertainment, Food & Dining, Gifts & Donations, Health & Fitness, Home, Pets, and more. Click the transaction details to split a transaction into multiple categories.
  • If the predefined categories for income and expenses don't meet your needs, customize your experience and add your own categories on the Settings tab.
 

Useful Resources

Your credit reports can help you understand how paying off or assuming debt influences your FICO® Score, and what you can do to maintain a solid rating.

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