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Manage My Money
What is "Manage My Money?"
The Manage My Money module in myBanking™ is a great way to organize your finances and improve your financial health. Manage your budget, control spending and set savings goals. All of the tools you need for financial success are in Manage My Money!
What can I do in the Manage My Money?
- View monthly account balances, including average balances
- View and categorize spending history, using our defined categories or create your own
- Create savings goals and track your progress
- Track your income and expenses and monitor your cash flow
Can I get transaction information within Manage My Money?
Yes, simply click on the appropriate dollar value for the month you would like to view and a transaction detail window will open. You can even categorize your transactions right from within this screen!
Can I change the list of accounts that are available in Manage My Money?
Yes, simply click the "Edit List" option in the accounts section of the overview tab.
How can I create a savings goal?
To create a savings goal, select the Savings Goal tab, enter a description for your goal, select the account you would like to apply the goal to, enter your starting savings goal amount and your goal amount and then identify your goal start date and your target date.
In looking at a goal that I created, what does the today line represent?
The today line shows you where you should be as of today if you were following your established savings plan.
Why is there data in the budget section of Manage My Money?
If you have not entered a budget amount, the module will enter the 12-month average for each category as a suggestion to get you started.
How do I update my Budget?
To update your Budget, simply adjust the dollar amounts that you have entered in the budget column of the Budget module.
What do the green and red bars in the budget section of Manage My Money mean?
Green indicates that you are on budget, while red indicates that you are over your established budget.
Can I add Income categories to my budget?
Yes, simply click the "Manage Categories" option within the budget section of the Spending Overview Tab. Select the Income option from the drop down of the "Add Custom Category" section. Enter a Category name and Description. Click "Add."
Can I add Expense categories to my budget?
Yes, simply click the "Manage Categories" option within the budget section of the Spending Overview Tab. Select the Expense option from the drop down of the "Add Custom Category" section. Enter a Category name and Description. Click "Add."
What does the Income Statement of Manage My Money show me?
The Income statement provides a list of income and expense categories as well as total income, expenses and net income for the current month, plus the last two months and a three month average.
Can I view the transaction details that make up each category of the income statement?
Yes, to view the transaction details, simply click on the total dollar amount for the category you would like to view for the month you would like to view. A list of the transactions that make up that dollar amount will display and will include the date of the transaction, the transaction description, the amount of the transaction and the category that the transaction is assigned to. If the transaction is a check that cleared, you will also be able to view the check right from within the transaction details window.
What if there is a transaction within the income statement that I need to change to a different category?
Click on the total dollar amount for the category you would like to view for the month you would like to view, and you will be brought to a list of transactions. To the far right you will see the category column. Each transaction has a drop down that you can use to select a new category. When you select a new category, a check box will pop up that you can use to apply the new category to all matching transactions. Do not check this box if you want to make the change to just one transaction.
Can I change the view of my income statement to show the information in chart form?
Yes, simply click the Chart button within the Income statement section of the screen.
There is a transaction within my spending profile that needs to be assigned to multiple categories. Can I split my transactions into different categories?
Yes, to split the transaction hover your mouse right underneath the date of the transaction. You will see two icons. If you click on the double arrow icon, a new window will open up and will allow you to separate the transaction into multiple categories. You can split a transaction into as many categories as you need to.
Can I add a note to a transaction in my spending profile?
Yes, to add a note, click the note icon, or double click on the notes field to add a note to a transaction.
Can I pull data from Manage My Money to load into Turbo Tax?
Not at this time. Members can download account history into an excel CSV file, which may be able to be imported into Turbo Tax. There are currently no direct exports into.
Can I send an alert to a different email address?
No, alerts can only be sent to your primary email address on file in your myBanking profile.
Can I set up a notification to alert me of specific transactions on my account?
Yes, you can set up many kinds of alerts such as balance notifications, account activity, certain types of transactions, loan due dates and more! All alerts will be sent to your primary email address that you have entered into the myBanking system.
When will the alert be sent?
Alerts are sent immediately! Receipt of each alert may be delayed or prevented by factor(s) affecting your Internet or email service provider, and such other relevant entities.
Is there any cost to setting up an alert on my account?
No, setting up and sending alerts in myBanking are free!
Will my scheduled bill payments be affected by the myBanking enhancement?
No, bill payments you have previously set up in Online Banking will be delivered as scheduled.
How can I send a bill payment for an existing payee?
To set up Bill Pay for an existing payee, simply select the Pay Bills module in the top banner. The default landing page is the Payment Center, which is where you set up your bill payments. (Credit Union default limits may apply. Refer to the People’s Credit Union myBanking Agreement for further details.)
Can I send a future dated bill payment?
To send a future dated bill payment, select the Pay Bills module. In the "Pay a Bill" section, choose the date you would like the payment to be delivered by. (Credit Union default limits may apply. Refer to the People’s Credit Union myBanking Agreement for further details.)
Can I set up recurring bill payments?
To send a recurring bill payment, select the Pay Bills module. In the "Pay a Bill" tab, set up the bill payment information and choose the frequency that applies to how often you want the payment to be sent. (Credit Union default limits may apply. Refer to the People’s Credit Union myBanking Agreement for further details.)
How do I add a new payee?
To add a new payee, select the Pay Bills module and choose the "Add Payee" tab. You will need to enter information such as the type of payment, name, address, phone number, account number and the name on the account.
How do I edit payee information?
To edit payee information, select the Pay Bills module, choose the "Payees" tab and choose the edit payee icon on the right hand side for the payee you would like to edit.
Can I cancel or stop a bill payment?
Yes, as long as the payment has not already been processed, you can access the "Online Activity" tab within the Pay Bills module and can select the red "X" to delete the bill payment.
Can I place a stop payment on a bill payment item?
Stop payments may be placed on certain types of bill payment items. To find out if an item is eligible or to place a stop payment on a bill payment item, contact our Member Service Center at 800.498.8930.
Will my bill pay history be available after the Online Banking enhancement?
Yes, bill pay history will be available from August 2013 to present day. Bill payment history will be viewable in myBanking for up to 18 months.
What are eBills?
eBills allow you to view the current payment due to a specific payee from within myBanking. eBills will be available with Bill Pay if supported by the merchant/payee.
Will my bill payment payees be affected by the Online Banking enhancement?
No, your list of established payees will remain the same after the enhancement is completed. You will not need to reenter any payee information.
myBanking for Business
What is a Secondary User?
Business owners with access to myBanking can set up secondary “User” access for employees or others that do not otherwise have authorized account ownership or access. The User will be able to access myBanking as per the entitlements the Business Owner establishes for that user from within myBanking. For example, a User may be authorized to view accounts online but may not be given authority to make bill payments or transfers, etc. Each User can have different entitlements. The Business Owner is responsible for each User and the transactions or authorizations granted to that Secondary User. Refer to the People’s Credit Union myBanking Agreement for further details.
How do I set up Users?
Business owners with access to myBanking can set up secondary Users by clicking on the Profile module and selecting "Users" from the More tab. Select the option to “Add a User” and then complete the user information including user ID and password and set the entitlements for that User. Once the User has been established, the Business Owner must communicate the user ID, password and other information to that User. The Business Owner is responsible for the User's access to myBanking and for all transactions and entitlements assigned to that user. Refer to the People’s Credit Union myBanking Agreement for further details.
How do I change a User's myBanking entitlements?
Business owners can establish myBanking entitlements for each User. Entitlements include the ability to view accounts, stop payments, make bill payments, administer users, access the personal financial module, authorize internal and external account transfers, and setting limits for each User by account for bill payments and account transfers (Credit Union default limits may apply). To edit a User's entitlements, click on the Profile module and select "Users" from the More tab. Then, click on the "key" symbol for the User to edit entitlements.
Debit Card Manager
What does Debit Card Manager do?
If your debit card is lost, misplaced or stolen, you can deactivate your card by clicking the “Deactivate” button next to the card you would like to deactivate. If you have deactivated your card because it was misplaced and you later find your card, you can select the “Reactivate” button to activate the card and begin using the card immediately. Please note that you must report a stolen card or any unauthorized transactions that post to your account to the Credit Union by calling the Member Service Center at 800.498.8930.
Can I order a replacement debit card online?
If your current debit card has been damaged, you can order a replacement card online. To order a replacement debit card with the same card number and PIN as your current card, select the Profile module. Within the Profile module, select the "More" Tab and choose the "Secure Forms" option. Within the secure forms, you can choose the Debit Card Replacement option. Your card will be ordered within one business day from when the Credit Union receives your secure form request. Please note that a fee may apply. Refer to the People’s Credit Union Fee Schedule for further information. If your debit card has been lost or stolen, please call the Member Service Center at 800.498.8930.
What is a Travel Notification and how can I set that up?
Your debit card activity is continuously monitored for unusual activity, and when activity that is outside of your normal spending is recognized, your card may be blocked. By setting up a travel notification, the Credit Union is aware that your debit card activity may be different than your usual activity and will monitor your activity with this in mind. To set up a Travel Notification, select the Profile module, then select the "More" Tab and choose the "Secure Forms" option. Within the secure forms, you can choose to set up a Travel Notification.
Can I order a new debit card online?
If you do not currently have a People's Credit Union debit card, you can order one online. Select the Profile module, then select the "More" Tab and choose the "Secure Forms" option. Within the secure forms, you can choose the Debit/ATM Card application. Your card will be ordered within one business day from when the Credit Union receives your secure form request.
What is an Unlinked Accounts transfer?
Our person-to-person account transfer service enables you to transfer funds to other members with accounts at People's Credit Union. These other accounts are called "Unlinked Accounts" within myBanking. Please note that you must have the other member's full name and People's Credit Union account number to set up the transfer account, and you can only transfer funds to those member's accounts.
How do I set up an Unlinked Accounts transfer?
To set up an Unlinked Account for a person-to-person transfer, click on the “Transfer Funds” module from the Accounts Summary screen. Select the “Unlinked Accounts” tab and enter the member's account information in the Unlinked Account Manager section of the screen. Once you have established an Unlinked Account, you can transfer funds to that account from the Manager Transfers tab of the Transfer Funds module or in the Quick Transfer section of the Accounts Summary screen. (Credit Union default limits may apply. Refer to the People’s Credit Union myBanking Agreement for further details.)
What is an External Accounts transfers?
Our institution-to-institution transfer service enables you to transfer funds to or from your accounts at another financial institution. Those accounts are called "External Accounts" within myBanking. To set up an External Account, you must have your account's routing number and full account number, and you must be an account owner of that External Account.
How do I set up an External Account transfer?
To set up an External Account for an institution-to-institution transfer, click on the “Transfer Funds” module from the Accounts Summary screen. Select the “External Accounts” tab and click on the link at the bottom of the screen to add an account at another financial institution. Follow the instructions on the Edit External Account screen to enter your account information. Within a few days of submitting this information, two small deposits will be made to your external account. To complete the setup of your external account, return to the Manage External Accounts page and verify the amount of the deposits. Once you have established an External Account, you can transfer funds to and from that account from the Manager Transfers tab of the Transfer Funds module or in the Quick Transfer section of the Accounts Summary screen. (Credit Union default limits may apply. Refer to the People’s Credit Union myBanking Agreement for further details.)
Will my future dated Transfers be affected by the myBanking enhancement?
No, transfers will occur as scheduled.
How do I set up a transfer between my People's Credit Union accounts?
From the Accounts Summary screen, you can set up a quick transfer to occur immediately, or you can select the Transfer Funds module to set up an immediate, future dated or recurring transfers between your People’s Credit Union accounts. (Credit Union default limits may apply. Refer to the People’s Credit Union myBanking Agreement for further details.)
Do transfers occur immediately or do I have to log out and log back in?
Transfers occur immediately! You no longer need to log out and log back in to myBanking for the transfers to process.
How can I make a loan payment?
To make a loan payment to your People's Credit Union loan account, you can set up a transfer from your Credit Union checking or savings account. In addition, you now have the ability to transfer your People's Credit Union loan payment using the Bill Pay module. Loan payments made through the Bill Pay module will be processed immediately. To make a transfer payment from your People's Credit Union checking or savings account through the Bill Pay module, select the Bill Pay option in the top banner, choose the “Make a Loan Payment” tab and follow the instructions on the screen to complete the transfer payment.
Can I Change my Address in myBanking?
Yes, to change your address, select the profile module, choose the "User Profile" tab and choose the “Change Address” option.
Can I Change my Phone Number in myBanking?
Yes, to change your address, select the profile module, choose the "User Profile" tab and choose the “Change Phone Number” option.
Can I Change my email address in myBanking?
Yes, to change your email address, select the profile module, choose the "User Profile" tab and choose the “Change Email Address” option.
How can I change my security information?
To change your security information, select the profile module, choose the "User Profile" tab and choose the “Change Security Information” option.
How can I change my User ID?
To change your User ID, select the profile module, choose the "User Profile" tab and choose the “Change User ID” option.
Am I able to see my full account number?
For security purposes, the first six digits of your account number are masked. If you need your full account number, please send a message to our Member Service Center using the secure message feature within myBanking.
How can I see my account history?
Within the Accounts Summary screen, click on the account you would like to view history for or select the "Account Activity" tab. Within the account history section of this screen, you can adjust your search criteria to inquire on specific information or you can just click on the "Search" button to use the default search criteria. You can also see your most recent transaction history for all accounts right on the Accounts Summary page.
How can I print my account history?
When in the Account Activity screen, click the "Printer Friendly" link to open a new window that you can print using your Internet browser.
What is the maximum amount of history to display?
Your accounts will display up to 365 days of history.
Can I see pending items?
Yes, to view your pending items, click on the account in the Accounts Summary screen to view the Account Activity screen. You will see a “Pending Transactions” category. These may include recent purchases using your debit card that have not yet been withdrawn from your account or they could be pending direct deposits or direct debits.
Can I order checks online?
Yes, to order checks online, simply click the "Check Reorder" tab in the accounts summary screen and select the "Check Reorder" option for the account you would like to order checks for.
When logging in to the enhanced system for the first time, why do I have to update my email address?
When you first sign in to the newly enhanced myBanking system, you are asked to update your email address. This is to ensure that we have the most up to date information in our system. If your email address has not changed, you will need to confirm your email address at this time.
When logging in to the enhanced system for the first time, why do I have to reestablish my security challenge questions?
When you first sign in to the newly enhanced myBanking system, you are asked to select new security challenge questions and answers, and you must do this within your first three (3) attempts at logging in to the new myBanking system. These questions help us to safeguard your information and properly identify you when logging into myBanking. Your answers should be something you can easily remember, yet not readily known by others. Try to avoid using answers that will change over time. Enter your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions to validate your log in.
Can I place a stop payment on a check online?
Yes, to place a stop payment on a check, simply click on the "Stop Payment" tab of the “Accounts Summary” screen and enter the required information. In order for the stop payment to be processed, the check cannot have already cleared the account. Your account will be automatically debited for the Stop Payment fee. Please refer to the Credit Union's Fee Schedule for more information.
Can I customize the information that displays on my Accounts Summary screen?
Yes, to customize your Accounts Summary screen, simply click in the right hand corner of the box you would like to move and drag it and drop it to where you would like it to display. You can also click on the arrow in the left corner of the box to close or minimize a section. Please note that you cannot move the "Deposits" or the "Loans" sections.
How do I add or change an account nickname?
To add or change an account nickname, click on the account within the Accounts Summary screen. From the Account Activity Screen, select the "Change" option from within the account nickname section on the left-hand side of the screen.
What transactions are displayed in the Recent Transactions section of my Accounts Summary screen?
The most recent transactions from all of your accounts are filtered to the Recent Transactions section of your Accounts Summary screen. To view transactions for a specific account, click on that account in the Accounts Summary screen to view the Account Activity screen for that account only.
How do I send a secure message to the Credit Union?
To send a secure message to the Member Service Center, select the profile module and choose the "Messages" tab. From this screen you can send a secure, private message to our Member Service Center and read and respond to messages that were sent to you.