Using widgets

The Spending widget allows you to see a visual representation of how you are spending your money over a period of time. Transactions are categorized based on the same categories used in the Budget widget, but show the percentage of each category as compared to the total.

Using the Spending Widget

1. Click the Spending/Income toggle on the right to view the Spending or Income wheel

   

2. Change the time frame by changing the date range menu

   Note: To choose a specific date range you can select from the calendar, use the drop-down menu, or click the left or right arrow.

3. Click on Accounts to filter transactions by account. Choose the accounts you would like to view from the drop-down menu

   

4. Click on a section of the spending wheel to see how much you spent in each category

   Note: If a certain category spending is less than 3% of your overall spending, it will be placed in the Other category.

5. To drill down further to see more information, double-click on the desired section and it will expand out to its own category wheel with a breakdown of your subcategory spending

6. To see the transactions under a subcategory, click the subcategory listing on the right, or click the center of the wheel

   

7. Click a transaction to view or edit the transaction details

The Budget widget allows you to set budgets for each spending category and track progress towards these categories each month. As each month progresses, this widget provides visual clues to show how close you may be to hitting the assigned thresholds. This widget is available in online and mobile banking, however, functionality is limited in mobile banking.

The first time you use the Budget widget, you have the option to Start from scratch or have personal financial management Auto-generate budgets based on your spending history.

If you choose Start from scratch, a menu of categories appears. Choose a category, then set the budget amount.

If you choose Auto-generate budgets, a list of budget categories and amounts based on your spending history appears. Scroll through the list and edit the amounts, if necessary. If you do not want a specific budget tracked, click the Delete icon (), then click Delete This Budget. Click Save Budgets to save all changes.

After your budgets are created, they appear in the "bubble" form. The bubbles view allows you to see both the health and the importance of your budgets simultaneously.

• Green – less than 80% of the budget spent
• Yellow – between 80% and 100% of the budget spent
• Red – more than 100% of the budget spent

The size of the bubble is relative to the amount, and exact progress displays on the outside rim of the bubble. Bubbles can also be dragged and dropped.

You can view and edit your projected income within each budget widget, helping you make decisions that balance with your income. Projected income is calculated based on transaction history, however, you can edit this number manually.

To edit the projected income

1. In the Budget widget, expand the bar at the bottom of the bubble view and click the Projected Income field

   

2. Enter the projected income amount, then click Save

   

Click a bubble to display current child budgets. You can add additional child budgets (if more are available) or even delete the parent budget.

Clicking a child budget allows you to delete the budget, edit the amount, or view associated transactions.

Click the View as list icon () in the upper-left corner to view your budget in list form. The colored bars represent the status of your budget:

• Green – less than 80% of the budget spent
• Yellow – between 80% and 100% of the budget spent
• Red – more than 100% of the budget spent

The Overall Budget bar at the top displays monthly progress for the sum of all budgets.

The left side of the screen displays a list of budget categories and the progress towards hitting each goal.

To edit or delete a budget

1. Click a parent category to display a list of child budgets, along with your monthly progress

2. Click on the edit icon () to edit the budgeted amount and click Save.

   

3. Click the Delete icon () to delete the budget, then click Delete

   

To edit a budget transaction

1. Click a budget to display a list of all transactions within the related category. Here, you can access transaction details and re-categorize transactions

   

2. Click the Overall Budget bar in the list view to see all of your budget category transactions

3. Click an individual transaction to view and edit the transaction details

To add a budget

1. In the Budget widget, click the Manage Budgets icon ()

2. Select a category from the budget categories available

   

3. Enter an amount in the Budgeted Amount field. Click or tap Save or Cancel

To add a sub-budget

1. In the Budget widget, click on the budget category for which you would like to add a sub-budget

2. In the Add Sub-budget over-panel, select the desired category

   

    

3. (Optional) to create a custom sub-category click Add a Sub-category

4. Enter the name of the subcategory you want to create, then click Add or press Enter

To view individual transactions

1. In the Budget widget, click a bubble budget

2. Click or tap View Transactions below the bubble to see transactions for the relevant month. All individual transactions for the selected month appear

3. Click an individual transaction to view the transaction details

The Trends widget builds even further on your budgeting categories to help track spending over time as compared to income. It shows spending history by category, in relation to income. This way, you can quickly determine if you are spending more than you are making.

Using the Trends widget

1. You can view transaction trends graphically or in list view. Choose from the date ranges tab at the top to change the transaction trends period.

   

2. Hover your mouse over a colored area to show the actual spending in each category for the months displayed.

3. Click a category area in the graph to drill down into the selected category and show any relevant subcategories.

4. Click any of the circle data points to display a list of transactions for the selected category.

5. Click on any monthly transaction total to see transaction details.

   

The Net Worth widget tracks the net sum of all your assets and liabilities over the past year. The dots on the graph represent your net worth for each month, while the lines on the graph represent the change in your month-to-month net worth.

Using the Net Worth Widget

1. Adjust the time frame by choosing a date range from the tabs above.

   

2. Double click a circle on the line chart to see your net worth's gains and losses. A window appears showing the amount of change that occurred within each of your accounts during that month.

   

3. Click one of the accounts to display the associated transactions.

   

The Debts widget allows you to see all of your debt accounts in one place and to calculate how making additional payments, or applying a different paydown strategy, can impact your debt over time. The system will calculate paying off your debt using the Snowball method. This method helps you pay off your debt in the fastest way possible, by rolling the monthly amount you have been applying to a specific debt to the next debt in the priority list.

The main view is the trending graph for paying off all of your debt.

Using the Debts Widget

1. Hover your mouse over a section of the graph to show the balance of what you will owe over time, based on the current projection.

   

   Note: The colors in the graph correspond to the numbers beside each account. Payoff dates and the amount you save are automatically calculated by the details you input for each debt. The dotted line reflects time and money savings from using the Snowball method.

2. Click on an account to edit details and view an individual payoff graph.

3. Click the fields in blue in the Debt Free message box to see more details. For instance, click on What is Snowballing to see how Snowballing helps you pay down your debt more quickly.

   

    

4. Hover your mouse over a section of the graph to see how much you will owe based on the current projection.

   

    

If you don’t want to use the Fastest Payoff First method, you can set the priority to Highest Interest First, Lowest Balance First, or Highest Balance First by clicking on the drop-down menu in the navigation bar. It is important for you to find a strategy that meets your needs and will help you succeed in eliminating debt.

• Fastest Payoff First – Debts are ordered by which debt you will pay off soonest based on balance, annual percentage rate (APR), and minimum payment. Your additional amount towards your debts is applied in that order as you pay off your debts.

• Highest Interest First – Debts are ordered from your highest APR to the lowest APR. Your additional amount towards your debts is applied in that order as you pay off your debts.

• Lowest Balance First – Debts are ordered by balance amount from Lowest to Highest. Your additional amount towards your debts is applied in that order as you pay off your debts.

• Highest Balance First – Debts are ordered by balance amount from Highest to Lowest. Your additional amount towards your debts is applied in that order as you pay off your debts.