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Personal Financial Management (PFM)

Managing your money has never been easier.

CMCU's new personal financial management solution is integrated with digital banking, providing a seamless and secure set of tools to manage and understand your finances.

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How to Use Personal Financial Management (PFM)

Once you log in to digital banking, locate the financial tools section. Click get started, complete the approvals, and you are ready to use these tools and more.


  • Link Accounts — Easily connect external accounts such as credit cards, loans or investments and view their balances and transactions within CMCU Digital Banking.
  • Spending — Categorize all your transactions and track your spending habits across all of your linked accounts.
  • Budget — Create a plan for your money. Digital banking will remember how you categorize your transactions and assign them to the correct budget category.
  • Trends — Track your categories over time and identify areas where you can streamline your finances.
  • Cash Flow — Monitor your current available funds and plan for upcoming payments and charges to anticipate your future available funds.
  • Net Worth — See the big picture! View a breakdown of your CMCU and linked accounts, assets and liabilities.
  • Debts — View your existing debts like loans and credit card balances, and create a personalized pay-off plan.

Frequently Asked Questions

General

You can access PFM by clicking Get Started on the Financial Tools bar at the top of your digital banking home page.

Yes, PFM can be accessed on your My CMCU mobile app or desktop computer.

PFM is a free feature offered through CMCU's Digital Banking.

 

Accounts

You may search for an account by clicking on one of the financial institutions in the list that appears or by entering the institution's name or URL.

You can remove any linked account by clicking on Preferences > Account Preferences > click on the account you would like to remove and then click on "remove."

You can remove any account from the home page or financial tools by clicking on Preferences > Account Preferences > click on the account you would like to have removed > Toggle off "Home" or "Financial Tools"

Manual accounts are accounts you may add that do not have a digital login. For example, you may want to add any property that you do not have a loan on that you would like included in your assets for your total net worth. Manual accounts are not included in the Account Summary wheel.

In some instances, retail sites will have a separate login for shopping and for accessing your credit card. Be sure you are entering the login information for your credit card account.

Occasionally PFM will require you to re-authenticate an account. This is a security feature that is controlled by the linked financial institution. Additionally, being locked out of the other financial institution or login pop-ups on their site may affect linking. You can remedy these situations by visiting the site directly and addressing any outstanding issues.

Accounts with multi-factor authentication set up for a login and/or other security settings may require a credential update more often.

 

Transactions

You can categorize any transaction that is less than 90 days old. Click on the icon between the date and description of the transaction and choose the appropriate category.

Over time, the system will learn the user preference for the transaction category and assign the correct category.

While the PFM tool allows you to see balances and transactions to be included in the Financial Tools, to transact on an account outside of CMCU, you will need to add that account to the External Accounts under the Transaction menu item.

 

Financial Tools

You can remove any debt included in the debt widget by clicking on the account you wish to remove, then click the three dots in the top corner of the page and "Hide from Debts."

Manually enter your monthly payment, interest rate, and balance to track when you will be debt-free.

You can remove any transaction from a budget by clicking into the budget, click on transactions, click on the specific transaction, click the three dots in the top corner, and exclude.

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