Budget Tool

FAQ

• How do I update my profile information?

  Click on the gear icon in the navigation bar to open Settings, and then click on the Profile tab.

• Is my financial information safe and secure?

  We’re committed to keeping your information secure. As such, we implement privacy standards to guard against identity theft and unauthorized access to your information. We also regularly monitor and re-evaluate our privacy and security policies and adapt them as necessary to deal with new conditions.

  We use industry-accepted standards, protocols and precautions to protect your personally identifiable information from loss, misuse, unauthorized access or disclosure, alteration, or destruction. We maintain physical, electronic, and procedural safeguards for your personally identifiable information, including using firewall barriers, encryption techniques, authentication procedures, SSL (secure socket layer) encryption, and physical safeguards. In addition, we do not sell your personally identifiable information.

  We will notify you of changes to our policies so that you’ll always know what information we gather, how we might use that information, and when we will disclose that information to third parties, if at all. We may also inform you of any changes to this policy by a prominent notice within the services or by email. In addition, and at our discretion, in the event of an update or material changes, you may be required to agree to the new privacy policy as a condition precedent to your continued use of the services.

• Is information from my accounts and transactions in the Budget Tool stored on my mobile device?

  No personal information (customer data) is stored on your mobile device.

• Which accounts can I view in the Budget Tool?

  The Budget Tool lets you view your LMCU deposit accounts, loans, and credit card products.

  Once you have imported information from your accounts at other financial institutions, you will also see these accounts in the LMCU Budget Tool. While the Budget Tool can automatically track and update information from over 19,000 financial institutions across North America, you may have an account you need to add and update manually.

• Can I use the Budget Tool to make transfers or pay bills?

  No. Transfers and Bill Pay functions can only be done within Online Banking

• How do I get help?

  Click on the “?” icon in the navigation bar to open the help options. You can read an overview of the feature you’re using, check out frequently asked questions.

  For technical support, please contact the LMCU Contact Center at (616) 242-9790 or toll free at (800) 242-9790.

• Having trouble adding an account?

  Here are some tips:

  • Different kinds of account may be listed separately, even when they are with the same financial institution. Try scrolling down further to see these connections. You may also search for a specific kind of account, i.e., “LMCU mortgage” as opposed to just “LMCU.”
  • Check that you’re using the right username and password. Try signing in at your institution’s website to verify they are working – this may unlock a frozen connection. Just make sure to sign out of your institution’s website before trying to add the account again!
  • If possible, turn off complicated security preferences (such as CAPTCHA or picture passwords) on your institution’s website.
  • Change the preferences on your institution’s website to allow third-party connections.
  • Make sure the software isn’t waiting for your response to a security question.
  • If a connection breaks, you may have to enter your credentials again.
  • Recently opened accounts may take several days to appear in the software. There is no need to add these new accounts more than once.

• Need to fix a “broken” account?

  Accounts with connection problems will have a yellow exclamation mark above the institution’s logo. To address those problems:

  1. Select the account
  2. Follow any instructions given. You may need to update your credentials, refresh the connection, or do something else. Sometimes, you may simply need to wait a day and try again.

  If problems with the account continue:

  1. Log in to the financial institution’s online banking website to verify that your username and password are correct.
  2. Make sure there are no holds on the account.
  3. Don’t try to add the same account twice – the system does not support this. Instead, you may wish to delete the institution by selection “manage Connections,” then chose the institution you want to delete (like “Chase” or “Wells Fargo”), then selecting “Delete Institutions.” Note that this will delete all account associated with the chosen financial institution. Only after doing this should you try to re-add the account.

• How do I add a manual account?

  To add a manual account, open the Accounts View and click on "Add an Account" in the sub-navigation bar.

  Click "Add a Manual Account". Enter an account name, choose the account type and enter your account details, then click "Save".

  You will need to update this account manually by updating the balance and entering transactions as needed.

• Seeing outdated accounts or paid-off loans?

  The data available may not always indicate that an account has been closed; paid-off loans or old, unused accounts may still appear.

  You may choose to hide an account that you don’t want displayed. It will then appear grayed out at the bottom of your list of accounts.

• Why are some of my transaction “uncategorized”?

  We try hard to make sure that transactions are automatically categorized, but if we’re not sure where it belongs, we leave it uncategorized. This usually happens when you first begin to use the software.

  There are several reasons for this. Some things simply can’t be categorized automatically, like checks and ATM withdrawals. It’s impossible to say where that money was spent without your input, so you’ll need to categorize these transactions yourself.

  It’s also possible that some transactions don’t have enough information for the system to even guess the correct category; a business may have a generic name or the data may not contain anything other than a dollar amount. These transactions are also left uncategorized.

  Despite these issues, the software is always learning. As you manually place transactions in a category, the system will learn your preferences and spending patterns. The longer you use the software, the more accurate it will become – and the fewer uncategorized transactions you’ll see.

  To put these transactions in their correct category you should:

  1. Click on the Transactions tab.
  2. If you have uncategorized transactions a message should appear asking if you’d like to categorize your uncategorized transaction. Click “Categorize.”
  3. If you’ve already click “No Thanks” or no message appears, simply click on the search icon in the top right corner and type “uncategorized.”
  4. Hover over a transaction and click the pencil icon that appears.
  5. Choose a category or click the “=” icon to choose a subcategory. You can even add a new subcategory by clicking “Add a Subcategory” and entering a name.
  6. Repeat this process for each uncategorized transaction.

  Remember, your preferences will be saved, and similar transactions should be automatically categorized in the future so you’ll have to do this less and less as time goes on.

• How do I set notifications?

  Click on the gear icon in the navigation bar to open Settings, and then click on the “Notifications” tab. Simple Notifications automatically sets up your Notifications with the most popular configuration. Just click on the alert to determine whether it is on or off.

  Switch to Detailed notifications if you want to choose which accounts have notifications, what values trigger an alert, and how Notifications are delivered.

  If you want to receive notifications via email, you must first verify your email by clicking on the yellow "Verify your email address" link in the Settings view.

• When are notifications sent to me?

  Notifications are delivered nightly after account information has been updated. Budget notifications will be grouped into one email. Other notifications will appear in separate emails. General emails will be sent to unverified email addresses. Notifications that contain sensitive financial information will only be sent to users who have verified their email address.