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Personal Finance Management

Coming November 27 — Get a consolidated view of all your accounts balances and spending habits.

Coming November 27 Learn More about Online Banking

Personal Finance Management

Coming to Online Banking and the Mobile App November 27, 2018.

KEY BENEFITS

  • Use the integrated Personal Finance Management tools to get comprehensive views of your financial information right within your Elements online banking or mobile app
  • Enjoy effortless access to information like spending habits, debt, and trends
  • Import other financial data, such as non-Elements account balances from other banks and credit unions
  • Everything you need is within one simple view, so that you can see the complete picture of where your finances stand

FINANCIAL MANAGEMENT TOOL DETAILS

  • Quick, easy to understand views of budgets, spending, net worth, debts, trends
  • No extra apps to install or additional tools to learn — it's all presented simply within your online banking or mobile app

Questions?

Our experienced, helpful member service team is ready to support you!

1-800-621-2105

Live Chat

Chat Available Mon-Fri, 8 am-5 pm Eastern

Interactive Widgets


The personal finance management and budget tools feature several interactive widgets that display different information about your accounts.

 

Net Worth

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.

Budget

A solid budget can be the key to better financial health. Practical and easy to understand graphics help you see exactly how you spend your money and how you can save or invest more.1

Spending

View an easy to understand model of your spending habits. This tool 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.1

Trends

Get a full understanding of your spending patterns. Our 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.

Debts

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.

 

 

 

Enroll Elements Accounts


See all of your Elements accounts in one place to manage spending and debts, calculate your net worth, and see spending trends over specific time periods.

To enroll, simply click on any of the links that appear at the top of your online banking Accounts page — Net Worth, Budget, Spending, Trends, Debts.*

 

 

Link Other Accounts

Link Account DialogLinking accounts you hold at other financial institutions allows you to see an even fuller picture of your finances.

Click the Link Account button located next to the widgets and 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.

You'll be asked to input your login credentials you use at your other bank to complete the connection.

While the connection is being completed, you can continue linking other accounts. Once the link is complete, you will see a notification on the homepage.

Frequently Asked Questions

 

Q: What is PFM
A: PFM, or Personal Finance Management, is a convenient tool integrated with Elements Online Banking. Elements members can budget and manage finances by linking all of your accounts across multiple financial institutions. Key elements of Elements PFM include

  • Categorizing transactions
  • Tracking spending habit
  • Calculating Net Worth

Q: How do I link accounts I have at other banks or credit unions?
A: 
On desktop banking select the Link Account button found at the top or bottom of the homepage, or in mobile banking select Financial Tools banner at the bottom and then Link Account.

Search for your bank or credit union and follow the on-screen instructions to link your outside accounts in just a couple quick steps!

If you are looking for a way to transfer money between your Elements account and other banks or credit unions, select Manage External Accounts from the main menu in Elements online banking.

Q: How do I remove an account I linked to PFM?
A: 
Accounts linked to PFM can be hidden, nicknamed or removed entirely from the Account Preferences menu located in Services.

Q: Why can’t I link my other bank to PFM?
A: 
Most major financial institutions can be linked to your Elements PFM by providing the credentials for your other bank. If you are unable to locate your bank in the list then they may not be a participant with our PFM provider.

Q: Why do I have to provide my credentials to my linked accounts in PFM?
A: 
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 we are able to access your account history at the other bank so you can see it in PFM.

Q: I already linked my account in PFM so why do I need to provide my credentials again?
A: Financial institutions vary in their login security requirements so if you are having trouble with an account linking you should first check the settings at your other financial institution to ensure third party access is allowed.

  1. 1 Only the Budget and Spending widgets are available in the mobile banking app.