What if you could see up-to-the-minute details of all of your financial accounts and activities in one place? Better yet, what if you could set financial goals that are specific, measurable, and achievable based on all of your account information? And, what if you could set a budget and track your progress in real time? Now you can.
The credit union is pleased to offer My Budget Manager, a free and secure personal budgeting tool within NetBranch. My Budget Manager is an online Personal Financial Manager (PFM) that allows enrolled members to import online banking account information from inside or outside the credit union into NetBranch. With one-time setup, single sign-on and intuitive navigation, My Budget Manager makes monitoring cash flow, maintaining budgets and managing financial goals convenient and easy. And, unlike other online PFM tools, account information gathered within My Budget Manager is never shared with any outside institutions.
To access My Budget Manager, log in to your NetBranch account and look for My Budget Manager in the main menu. Once you have enrolled and accepted the terms, My Budget Manager will begin to populate your information and lead you through a series of questions to help set up and customize your financial profile.
Gone are the days of balancing checkbooks and maintaining spreadsheets to manage income, expenses and investments. Having the ability to instantly see every transaction, from every financial account – all aggregated in one place – allows you to make informed decisions for a better financial future.
Q. Why should I use My Budget Manager?
My Budget Manager provides you the tools to help successfully manage and track your finances. You can create a budget, monitor expenses, and set goals. We'll also allow you to track your upcoming bills and incomes, and enable you to view all your accounts in one convenient location. My Budget Manager can help you in tangible ways to improve your overall financial health.
Q. How do I start?
If you have questions or issues with any of the above steps, reference the appropriate section of this FAQ. If you still can't find an answer to your question, please contact the credit union.
Q. What shows up on my Dashboard?
You can view the following items on your Dashboard:
Q. What Browsers do you support?
We currently support:
If you have an older browser, please try upgrading to one of these supported browsers. Also ensure that your security settings allow My Budget Manager to function properly. You may experience issues if your browser has cookies turned off, is operating with a high security level, or has additional add-ons installed. If you experience a problem with one of our supported browsers, please contact the credit union after verifying your browser settings.
Q. How do I find my financial institution?
We support more than 13,000 financial institutions of all sizes. If you're having trouble finding yours, try these search tips:
For example: Try typing one word at a time if your institution has a long name. If your financial institution has an abbreviation, (i.e. SECU) try searching under those terms as well.
Q. Why do I have a red or blue error on one of my external accounts?
This is an indication of a problem connecting to your account. A blue symbol often indicates a temporary external site issue or expected maintenance. This error message should resolve after a few days. Please contact support if the issue persists. A red symbol is an indication of a login error. This can mean that your password needs to be updated, or you have security questions that need to be answered. Click the link provided in the error message to manually update your username and password. You may also be prompted with additional security questions. If your account still does not update, please contact the credit union.
Q. How do I add an account?
Click the 'ADD' button in your left sidebar.
Enter your financial institution's name into the search box. Check the URL associated with the institution to make sure it is where you normally access your account(s).
Enter your login information EXACTLY as you would when logging into your financial institution directly and click 'CONNECT'.
Classify your account(s) by type.
If you receive an error message:
The name of the financial institution you are trying to add
The website (URL) used to access the account directly
Also leave the partially-added attempt on the Dashboard as this is necessary for troubleshooting.
Q. How do I delete an account?
You do have the ability to delete accounts that you have manually added to My Budget Manager. However, at this time you cannot remove accounts that come over automatically.
Q. My financial institution uses image/word verification. Can you support it?
We cannot support your financial institution for account aggregation because they require an image-based, randomly-generated security code to be entered each time you sign in. We currently don't have the infrastructure in place to support such a security process; however, we are working on this and hope to be able to support such accounts in the future.
Q. How do I export transactions from my account to create reports?
Q. Can I delete a transaction?
Yes, you can remove transactions. These transactions will still be visible on your account directly, but will no longer show in My Budget Manager. Please note that this is a permanent action and cannot be undone.
Q. How do I handle cash transactions like ATM withdrawals?
Use 'split tags' to categorize your cash withdrawal transactions. You are unable to manually enter cash transactions, but using 'split tags' will allow you to break down a cash transaction into groceries, dining out, transportation, etc. Learn more about split tagging under 'Tagging'. Learn more within our split tagging FAQ.
Q. What is a 'tag'?
A tag is a customizable word or phrase used to categorize your transactions. This feature gives you a better idea of how you're spending your money by tracking transactions in the same category. We will automatically pull in your most recent transactions and tag them (i.e. transportation, groceries, clothing). We suggest you edit your tags by clicking on the 'EDIT' button associated with each transaction. Customized tags give you a more accurate view of your budget(s), spending history and overall financial picture.
Q. How do I add or change a tag?
Q. What if I have a transaction that falls under multiple categories? ('Split Tags')
Q. What is a tagging 'rule'?
If you'd like to change a transaction's title and/or edit the tag to be applied to similar transactions, check the box in the 'Create a Rule' area of the transaction editor. This will allow you to choose from a number of different recurrence styles:
Creating rules for certain transactions, such as a 'Check' transaction, is not advised. It will apply that title and tag to all other checks. Please contact support if you have additional questions regarding tagging rules.
Q. How are budgets used?
Budgets use 'Spending Targets' to track variable expenses. Budgets always run from the first to the last day of each month. Spending Targets are automatically color-coded based on your spending progress.
Q. How do I edit or delete a Budget?
Q. What's the difference between a Spending Target and a Bill?
Spending Targets are variable expenses (i.e. groceries, entertainment, or dining out). These can be linked to tags, which allow you to track your monthly expenditures.
Bills are recurring expenses (i.e. rent, loans, or insurance). These expenses generally have a due date. See the Cashflow section for more information.
You can set up Alerts in My Budget Manager to remind you of your upcoming bills! See the Cashflow section for more information on adding your bills.
Q. My Spending Target totals are incorrect. Why is this?
If you are having issues with your budget, please check these common causes before contacting support:
Q. How do I use my Cashflow Calendar?
Use Cashflow to get a quick glance of when your bills are due, when your paycheck is coming, and for viewing 'safe to spend' balances. Click 'Cashflow' to open the calendar and click on a day to add a new income source or bill due.
Q. Can I pay bills with the Cashflow calendar?
The Cashflow calendar is designed for planning and estimation purposes only. No real money is ever withdrawn from your account(s) in My Budget Manager. The Cashflow calendar simply uses your current daily balance and then takes into account all future income and bills that you've entered.
Q. How do I select which accounts make up the daily cash balance?
Q. Why don't I see my income schedule as an option?
Cashflow is not meant for variable income, so in order to account for possible variances input your best guess ahead of time and edit once the exact value is known. The daily balance will automatically adjust to the actual income deposited into your account. Here are some tips:
Q. How do I add Capital One 360 (formerly ING Direct)? My information is not being accepted.
Due to changes on Capital One 360's website, we now use an access code to bring in your accounts rather than your regular PIN. To create an access code, please follow these instructions:
Q. Why should I create a Goal?
Q. What does it mean to 'lock' funds?
When creating a Goal you may choose to 'lock' a sum of money from being counted toward your goal. This provides an accurate reading of your current goal progress, as you may never want to leave less than the locked amount in your account. No real money is ever locked away from you by choosing this option.
Q. How do I add an asset/debt?
Q. What are Alerts?
Alerts are personalized notifications sent to your email and/or mobile device which help you keep track of your account activity. Be alerted of upcoming bills, monitor account balances to avoid fees, and review transactions of a certain amount or from a particular store.
Q. How do I set up Alerts?
Spending Target Exceeded
Specific Store Purchase
Choose the Alert Option(s):
All of your My Budget Manager alerts will appear on the Dashboard once they have been triggered.
Click 'ADD ALERT'.
Please keep in mind that there is often a slight delay between triggering an alert and receiving it, as we have to wait until a transaction is posted to send a related alert.
Q. I have more My Budget Manager questions. How do I contact you?
We welcome questions and feedback! Please reach out here. Kindly provide as many details as possible, including the below information as applicable:
For account addition/update issues:
Be sure to also leave the partial add attempt on the Dashboard as this is necessary for troubleshooting.
My Budget Manager isn't just easy to use, it's easy to set up. Syncing your accounts is just a few easy steps!
How to Sync Accounts
Step 1: On your Dashboard, click "Add" under navigation above your current accounts.
Step 2: Select your account from the available institutions OR use the search feature to find your account.
Step 3: Complete the required account information, and select "Connect."
It's that simple. But while you're there, why not set up a few more?