United Community Bank Inc PFM eGuide
A Quick and Easy Guide To Personal Financial Management
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Published by Murphy & Company, Inc. 13610 Barrett Office Dr
St. Louis, MO 63021 www.mcompany.com
© 2009-2017 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.
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Table of Contents
Welcome Personal Financial Management.........................................................................4 About This Guide...................................................................................................4 Understanding PFM Supporting Your Financial Plan. ..........................................................................5 Getting Started Online Banking Home Page.................................................................................7 Your First PFM Session. ........................................................................................8 Managing Categories............................................................................................9 Automatic Categorization.............................................................................9 Enter Manual Category.................................................................................9 Split a Transaction Category.......................................................................10 Link an Account...................................................................................................11 Report Widgets Net Worth.............................................................................................................12 Budget. .................................................................................................................13 Automatically Generate a Budget..............................................................13 Create/Edit a Budget...................................................................................14 Spending...............................................................................................................15 Trends...................................................................................................................16 Debts.....................................................................................................................17
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Welcome
Personal Financial Management
Welcome to Personal Financial Management (PFM), a valuable feature of United Community Bank’s Online Banking. PFM can help you understand more about where you spend money, track your day-to-day financial life, and establish budgets to reach your personal financial goals. Although PFM is not designed to replace a professional financial advisor, it can help you gather much of the information you need to review when meeting with a financial advisor, planning for your financial success, and preparing your taxes. The PFM concept has been around for more than twenty years. Software packages, like Intuit’s Quicken or Microsoft Money, helped collect and categorize financial transactions with data from different financial accounts. Traditionally, PFM usage has had limited success, with usage from only a small percentage of consumers. The biggest challenge has been entering data for transactions since it was very laborious. And today, with more ways to move money, debit card usage, and online activity, there are more transactions than ever to enter and track. United Community Bank is pleased to offer a state-of-the-art Personal Financial Management service that is fully integrated with United’s Online Banking. And now, with improved processes and strategic technology partnerships, entering and categorizing transactions is easier than ever. About This Guide We have created this guide to help you get the most out of the Personal Financial Management service. The first section offers helpful definitions and explanations of the PFM process. The second section walks you through the steps for using PFM within United Community Bank’s Online Banking.
Welcome: Personal Financial Management
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Understanding PFM Supporting Your Financial Plan
The main goal of PFM is to help you understand where your money is coming from and where it is going. PFM focuses on why transactions happen. This involves adding a reason, or category, to each transaction in your account register. Once the proper category is assigned to each transaction, you can run simple, easy-to-read reports about your income and expenses. You can take PFM to the next level by establishing budgets for your spending. For example, you can enter a targeted monthly budget amount for each of the categories you track. Then at the end of the month, you can run a report comparing each category where you have a budgeted amount against what you actually spent. If you would like, our system can suggest a budget for you after reviewing enough data. To help you gain a more complete view of your fiances, we can securely link your accounts at other financial institutions across the country. This can include your checking or savings accounts at other instutions, as well as data from hundreds of credit card providers. Before we launched PFM, Online Banking offered (and still does) a great view of all your banking transactions. For example, we can show you the date, amount and name of a merchant where you used your debit or credit card just by looking at the “Accounts Details” page.
Understanding PFM: Supporting Your Financial Plan
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Our Personal Financial Management service is fully integrated into United Community Bank’s Online Banking which, in most cases, allows transactions to be automatically assigned to a finance category. Common categories include “Gas/Auto Expense,” “Entertainment,” “Medical Expenses,” “Rent,” and “Utilities.” If a transaction is not automatically assigned a category or if it’s not assigned to the category that best matches that transaction, the category can be manually assigned or edited for each transaction. Each category has a corresponding icon assigned to it to help quickly identify a transaction’s finance category. These icons are displayed next to each transaction in the Account Details page.
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Getting started with PFM is rather easy and is explained in detail in the second part of this guide. As you prepare to get started with PFM, please remember that you can use just one or all of the PFM features. Some users will be happy with assigning categories and running basic reports, and others will enjoy using PFM to manage all aspects of your assets and liabilities. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 Click an account to view the Account Details page . A. The category icons are displayed for each transaction. B. Manually change the category of a transaction by clicking an icon and selecting a new option from the sidebar. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d
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Welcome: Supporting Your Financial Plan
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Getting Started
Online Banking Home Page Personal Financial Management is easily accessed from the home page (Accounts Summary) within Online Banking. There are five widgets within the Personal Financial Management service: Net Worth, Budget, Spending, Trends, and Debts. These widgets help you review and manage the data within PFM. Although you are enrolled in Online Banking, you will need to activate the PFM features. To do this, simply select any of the five widget titles and an enrollment screen will display. After reviewing and accepting the Terms and Conditions, you can proceed and begin using PFM.
Different links appear on the home page, which take you to interactive widgets with various information. • Net Worth : Sum up your assets and debts and view pie charts to see how funds are allocated. • Budget : Track your monthly finances by adding targets to help you better manage your expenses. • Spending : See how you’re spending money in a visual representation. • Trends : Track your habits even further to see how you spend your money over time. • Debts : Lets you see all your debts at once to gage how additional payments or payoffs affect your finances.
Getting Started: Online Banking Home Page
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Getting Started
Your First PFM Session Once enrolled in our PFM feature, you will notice categories in the account detail information. Our system is designed to securely view your transactions and suggest categories. For your accounts enabled from our institution, you can immediately run reports and get your first glimpse into your financial spending. There may be a few transactions where we will need additional information: • Uncategorized Transactions - A icon indicates our system did not have enough data to suggest a category. To add a category simply click the and choose from the category list that appears to the right. • Checks - Unless your check was scanned at a merchants location, our PFM system will most likely not know why you wrote a check. Just like the transactions above, click the icon and select a category to assign the transaction. • ATM Withdrawals - Some consumers classify an ATM withdrawal for entertainment however, you can assign a category to the withdrawal by clicking the icon and assigning a category. With your categories successfully in place, click on the spending widget and congratulations, you’ve created your first report within PFM. The next few pages will walk you through the details of setting up your PFM experience, including adding other accounts and more categorization options.
Getting Started: Your First PFM Session
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Getting Started
Managing Categories The first step is to assign categories to the transactions in your primary checking account. You can add categories in multiple ways. Automatic Categorization Our PFM system can look at the data from debit card and credit card usage to suggest the categories. For example, our PFM system can look at information about the vendor as the credit or debit card transaction appears in your account detail. For example, if you purchase gas with your debit card, information about where you made a purchase often comes along with the transaction information. When our PFM system sees a transaction from a gas station, the system suggests “Auto/Transportation” as the category for the purchase.
Enter Manual Category For some transactions, the reason is not always clear. For example, you could use your debit or credit card at a national retailer like Target to purchase many different items or you may use the ATM and withdraw cash. The system would not identify a purpose, so it would not suggest a category. These transactions require you to manually assign the category.
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From the Home Page , click an account to view the Account Details page . 1. Click the category icon or the icon to edit the category assigned to the transaction. 2. Choose the desired category from the sidebar. J K L M N O P Q R S T U V W X Y Z A B C D E F G H I
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Split a Transaction Category PFM offers the ability to split one transaction to represent multiple categories. For example, if on a trip to your favorite super store, you purchase food, clothing and health care items you could review your receipt and split the total charge across multiple categories.
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Click an account to view the Account Details page . 1. Click a transaction to lower the details. 2. Click the icon to split a transaction into multiple categories. 3. Enter the amount of the transaction that belongs in the new category. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J L M N O P Q R S T V W X Y Z B C D E F G H I 4. Click the category icon to change to a new category. 5. Click the + Add Split button to add additional categories. 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d
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Getting Started: Your First PFM Session
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Getting Started
Link an Account PFM can include data from accounts you hold at other financial institutions (FIs). This might include checking or saving accounts, credit cards, mortages and even investment accounts.
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Getting Started: Link an Account 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J K L M N O P Q R S T U V W X Y Z A B C D E F G H I Click the Home button to n vigate to the Home page. 1. Click either the Link Account button, the to link an outside account to PFM. . Search for your FI or select from the most common FIs list. 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d . Enter your Online ID and password for the account you wish to link to your PFM. The User ID and password will be from the FI you are linking. Some additional information may be required from the FI. 4. Click Continue. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J1 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I icon or the Link Account Box 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1
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Report Widgets
Widgets present graphic charts to visualize your financial data.
Net Worth Although the Net Worth widget is the first tab that you see, it should be used after all of your accounts are linked. This feature offers you a view of your net worth, as calculated by subtracting your debts from your checking, savings and investment accounts.
Report Widgets: Net Worth
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Report Widgets
Budget To help you understand your financial progress, we offer the Budget widget. This is a simple but powerful tool, as you can set budget amounts, and the widget compares the actual spending to your goals. Automatically Generate a Budget To save time, PFM can automatically set budget suggestions based on your previous activity. Once you run the Budget widget, it generates an amount which you can accept or manually edit.
Report Widgets: Budget
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Report Widgets
Create/Edit a Budget If you choose not to use the automatic budgeting system, you can manually enter budget amounts or edit the generated settings. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 11 12 13 14 15 16 17 1 21 22 23 24 25 26 27 2 1 2 3 4 5 6 7 8 11 12 13 14 15 16 1 21 22 23 24 25 26 1 2 3 4 5 6
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Click the Budget tab. A. Your budgets are displayed in bubbles that track your progress. B. The current budget is displayed by category. C. Manually set a budget amount by clicking the amount. D. Click the icon to add a new. E. Click the icon to close the current budget. F. Click the icon to view your budgets in a linear chart. G. Click the icon to delete a budget. H. Click the icon to add a new sub-budget.
Report Widgets: Budget
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Report Widgets
The Spending widget provides a graphic and numeric summary of your spending sorted into categories. Spending
Note : Please note: Upon first using PFM, it is best to wait for one month to view your monthly spending habits, allowing the Personal Financial Management system to collect a full month of data.
Report Widgets: Spending
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Report Widgets Trends
Where the Spending widget displays the current spending habits, the Trends widget tracks these habits over long periods of time. For some consumers, the Trends widget can be helpful for managing debts and spending habits.
Report Widgets: Trends
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Report Widgets
Debts The Debts widget displays a summary of your current debts. This feature allows you to adjust payment amounts and times to see how it effects your finances. (insert information about payoff tool when system is live.)
Report Widgets: Debts
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