Skip to main content
Alert Icon

Click for our most recent information on:   COVID-19  |  Branch Status  

Alert Exit

Personal Financial Management

Save for your future. Save for your dreams.

Setting up financial goals for yourself is just as important as establishing a budget. As you make progress on your goals, our Personal Financial Management service not only serves as a rearview mirror to see how far you have come, but also a map to guide your financial path forward. Whether you’re hoping to buy a home, take a vacation or even head back to school, bring your big, exciting financial goals into focus with Personal Financial Management.

The tools within the PFM help you calculate your net worth, set budgets, view your spending habits and trends and set up a debt payment plan.

Financial Tools

spending icon


The spending tool helps you stay on top of your expenses and ensures transactions are properly organized. Your spending habits are organized in a pie chart for you to easily see your smallest and largest expenses. Seeing your expenses broken down allows you to choose where you can cut back, so funds can be used elsewhere. 
budget icon


A budget helps you manage your money based on how much you earn and spend. Our budget tool eliminates guess work and helps you make an accurate budget quickly and efficiently. Before creating a budget, make sure your transactions are categorized properly.
trending icon


The trends tool gives you a chart of your spending habits in each category compared to your income. With help of trends, you can easily identify what finds go toward your financial goals. 
cash flow icon

Cash Flow 

The cash flow tool allows you to see all your income and expenses on a given day, including future predictions. Know ahead of time if you'll be able to afford that big purchase. Use the calendar to keep track of your recurring bills and deposits to see how they affect your financial future. 
net worth icon

Net Worth

After your accounts are linked and categorized, the net worth feature offers you a view of your net worth calculated by subtracting your debts from your checking, savings and investment accounts. Your net worth is tracked each month allowing you to monitor your financial progress. 
debt icon


When you link your external balances to our PFM feature, it will help you gain a big-picture understanding of your personal debt and allow you to build a plan to get you where you want to go. This tool helps you quickly pay down debt, ultimately saving you money spent on interest. This helps you save money without the pain of big budget cuts or sacrifices. 

Initial Set Up

Linking an Account

Before you can begin setting up your financial goals, you need to link all your accounts, items you own and debts.

Link your non-United accounts from the homepage. 

  1. Click the Link Account button
  2. Locate your financial institution using the list, search bar or enter manually. 
  3. Enter your user ID and password. 
  4. Click the Continue button to finish linking account

Categorizing Transactions

In order for our PFM tools to work properly, make sure your transactions are correctly categorized. When all your accounts are linked to PFM, your transactions are automatically categorized. Common categories include gas/auto, entertainment, medical expenses, rent and utilities. If a transaction needs to be reassigned, you can manually edit in the category. 

Click an account to view the Account Details page.

  1. Click a category icon to edit the category. 
  2. Select a new category.
  3. Click the arrow icon to view sub-categories. 
  4. Click the + Add Sub-Category button to add a different sub-category.
  5. Enter the sub-category's name and click the check button. 

Splitting a Transaction

PFM offers the ability to split one transaction to represent multiple categories. For example, if a shopping trip needs splitting into multiple categories such as grocery, pharmacy and home supplies, you can review your receipt and split the total charge across multiple categories. 

Click an account to view the Account Details page. 

  1. Click the 3 dot icon and click Split Transaction.
  2. Click the category icon to edit the new category.
  3. Enter the amount in the text box and click the check button.
  4. Click the Split Transaction button to add additional charges.

Learning Center

Holiday Budgeting

The holidays can be a joyous time full of family, fun and festivities, but it can also be a financially stressful season. Gift-giving, traveling, and general merry-making can all come with a pretty hefty price tag.
When you consider the added stress of broken supply chains and fast-approaching holiday celebrations, you may be feeling the pressure. Before you set off to the over-crowded mall, take a look at these easy tips to make this season’s holiday purchases a little less stressful and a lot more efficient.
Read Article

How to host the holidays on a budget

We know the holidays can be a stressful time, but you shouldn’t have to stress about breaking your budget just because you are hosting for the holidays. Follow these easy steps to save money this holiday season.
Read Article

4 Strategies to Pay Off Your Mortgage Faster

By United Community Mortgage Services

If you’re a homeowner, your house payment is probably one of the highest bills you pay each month. So imagine what life would be like if you could eliminate that monthly expense.

Check out our four strategies to learn more about ways you could potentially pay off your mortgage years before you’re obligated to and, in the process, save thousands of dollars.1
Read Article

A service charge of $5.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.

2 A $2.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per quarter.

Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained.

A $10.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per month.

Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.