Get in step with your money

You can customize the Dashboard to show information in the order you want. Organize the Dashboard as often as you like.

To customize the Dashboard:

1. Tap the ☰ menu in the top right corner, then select “Settings,” then “Organize Dashboard.”
2. Tap and hold a tile to put it in the order you prefer.
3. Switch a tile on (✓ displayed) or off (X displayed) to show or hide it on the Dashboard.
4. Tap “Save” at the bottom of the screen.

1. From the Dashboard, tap “View All Accounts” on the bottom of the panel to bring up a list of accounts.
2. Tap the + button at the top right to see a list of financial institutions.
3. If you find your institution, move to step 4. If not, tap “Search Accounts” and enter the name of the institution you’re looking for. If you still can’t find it, search by its web address, such as fidelity.com or chase.com.
   1. If you still can’t find your institution, send a message to our support team by tapping “Help & Legal” from the Dashboard, and then “Support Request."
   2. You also may want to add a manual account (see next FAQ).
4. Once you find your institution, tap its icon, and then enter the credentials you use to sign in to that account.
5. Tap “Connect.” It may take a few minutes for your new account to connect.

Perhaps one of your financial institutions doesn’t support our software, or you’ve paid off a mortgage, so there isn’t an online account for it. If so, add a manual account to track things with a lot of value: a house, a car, cash, or a loan you’re paying back to a friend.

If you’re adding certain types of accounts like car loans or mortgages, it’s important to input the full value of the property associated with the account (like a house or car), so the app will track the positive value of your assets, not just your debt. 

To add a manual account: 

1. From the Dashboard, tap “View All Accounts” on the bottom of the panel to bring up a list of accounts.
2. Tap the + button at the top right.
3. Scroll to the bottom, and tap “Add a Manual Account.”
4. Give this account a name. It could be “Home,” “Other credit card,” or “Secret gold I’ve got buried.”
5. Choose an account type:
   1. Checking
   2. Savings
   3. Cash
   4. Investment
   5. Property
   6. Credit Card
   7. Mortgage
   8. Loan
   9. Line of Credit
6. Enter the details.
   1. This could be a balance, APR, or APY on investments or mortgage accounts. Each type of account requires slightly different information, so you may need to pull out a statement, make a call, or sign in to another account.
   2. Tap “Save.”

When viewing an individual account, you can tap the ••• button in the top right corner for several options:

ACCOUNT HISTORY

See the credits, debits, and net changes to your account for the past month, along with a bar graph that shows the past 3, 6, or 12 months.

EDIT ACCOUNT DETAILS

Change the account name or type.

HIDE ACCOUNT

Tell the app to ignore the account and all its transactions. The data will still be in our system, and you can unhide the account anytime.

MARK AS DUPLICATE

Use this in case an account appears more than once in the app. Find the duplicate account on the list that comes up (it will likely be the one with a shorter transaction history), and tap on it. On the next screen, click “Merge.” This cannot be undone.

MARK AS CLOSED

You can use this for accounts you have closed. You will still be able to see past transactions. This cannot be undone.

DELETE ACCOUNT

Remove an account from the system. All account data—balances, transactions, etc.—will be deleted. This cannot be undone.

To rearrange the order accounts appear: 

1. Tap the ☰ menu in the top right corner, then “Settings,” then “Reorder Accounts.”
2. Tap and hold a tile to drag it into the order you prefer.

From the Dashboard, you’ll see the three most recent transactions made from all your accounts.

Tap "View All Transactions" at the bottom of the panel to see every transaction for every account, with the most recent at the top. Pending transactions will be displayed at the top, grayed out, and italicized.

Transactions that have been posted—i.e., they are no longer pending—are grouped by date. Each will show a name, a category like “Personal Care,” or “Gas,” and an amount. If a transaction was a credit to one of your accounts, the amount will have a plus sign and be green. 

1. Swipe up or down to scroll through your transactions.
2. Tap “Search Transactions” up top to search for a name like “Target” or “Papa John’s,” a category like “Fast Food,” or a dollar amount.
3. Tap the funnel icon on the top right to filter your transactions by account, date, tag, or type.

To edit a transaction, tap it to bring up a details window. Tap any section to edit it:

1. Tap “Payee” to enter a payee manually.
2. Tap “Date” to select a date from a calendar, then tap “Apply” or “Revert Back to Original.” Tap the “x” on the top left to cancel.
3. Tap “Memo” to write anything about the transaction you think is important.
4. Tap the + button under “Tags” to select the checkmark next to a category and tap “Apply,” or tap “Edit” to change the name of a tag. You can also select “Edit” and tap the trash can next to a tag to delete it from the transaction.

The app automatically categorizes every transaction for you, and it usually gets it right. Your trips to the grocery store will be categorized as “Groceries,” your trip to Subway will show up as “Fast Food,” and stopping at a Chevron to fill up your tank will show up as “Gas.”

However, sometimes the app can’t categorize something — like ATM visits or other ambiguous transactions. In these cases, the app marks them as “Uncategorized.” It’s up to you to put them in the right place.

In other cases, you may want to place something in a more specific category or move it from one place to another to match your personal preferences. 

Getting things in the right category not only helps the app work better, but it will also help you know where you spend your money and improve your finances.

To deal with uncategorized transactions:

1. From the Dashboard, tap “View All Transactions” on the Transactions panel.
2. If you see a notification saying you have uncategorized transactions, tap it.
3. A list of uncategorized transactions will appear. Select one to bring up the details window.
4. Tap “Category.”
5. Select a category for that transaction.
6. If you’d like to be more specific, tap the plus sign on the right to show subcategories. You can create a new subcategory by tapping “Add New Subcategory” and then giving it a name.
7. Tap “x” on the right to hide subcategories.
8. When you select a category, a box may pop up asking if you’d like to apply this category rule to similar transactions, past and future. Tap “Apply To All” if you’d like to accept the category rule, or “This Time Only” to apply it to only this transaction. 

To recategorize a transaction: 

1. From the Dashboard, tap “View All Transactions” on the Transactions panel.
2. A list of transactions will appear. Select one to bring up the details window.
3. Tap “Category.”
4. The current category will be highlighted. Select a new category for that transaction, if you’d like to change it.
5. When you select a category, a box may pop up asking if you’d like to apply this category rule to other transactions in the same category, past and future. Tap “Apply To All” if you’d like to accept the category rule, or “This Time Only” to apply it to only this transaction.

To automatically create new budgets based on your spending:

1. From the Dashboard, tap anywhere on the “Budgets” panel.
2. Tap “Auto-Create Budgets.” 

A screen will appear with green, yellow, and red bubbles. These are your budgets. If you can’t see all of them, tap and drag on the bubbles until you find the one you're looking for. The rest will move out of the way automatically. Bigger bubbles mean bigger budgets. A green bubble means you still have money to spend in that category. A yellow bubble means you’ve spent over 80 percent of that budget. A red bubble means you’ve gone over that budget.

On the bottom left, a red bar and a green bar show the amount you have left to spend and how much of your projected income you have earned.

1. Tap the small arrow to the right to see details and how much money you have left unbudgeted, a number that automatically adjusts as you adjust your budgets.
2. You can adjust the projected income if the app’s automatic calculation seems incorrect by tapping the green number and entering a new one.

Near the top of the screen, you’ll see a month. The Budgets panel will display the current month when you first open it. To view how you did on past budgets, hit the back button until you find the month you’re looking for.

From the main Budgets window, tap any budget bubble to display more details.

The category bubble will show details about that budget category. Below, you’ll see a bar graph with your monthly spending in that category over the last year, along with a dotted line indicating how much you budgeted.

1. Tap any bar to bring up the budget details for that month.
2. Tap “View Transactions” to bring up a list of transactions in the budget category for the selected month. 

To change a budgeted amount: 

1. Tap the pencil icon attached to the category bubble.
2. Drag around the outside of the bubble to increase or decrease the budget.
3. Alternatively, you can tap “Budgeted Amount” at the bottom to enter a specific number.
   1. The three-month average of your spending in each category listed on top can guide you in choosing an appropriate budget. 

To delete a budget entirely: 

1. From the budget window, tap a category bubble, e.g., “Shopping.”
2. Tap the pencil icon attached to the category bubble.
3. Tap “Delete Shopping Budget” at the bottom of the screen.
4. Tap “Delete” to confirm or “Cancel” if you’ve changed your mind. 

If you want your planning to be more specific, you can add budgets for existing subcategories or for categories you create yourself. 

To create a sub-budget:  

1. From the budget window, tap a category.
2. Tap the plus sign attached to the category bubble.
3. Select the subcategory for which you’d like to add a budget.
4. If the subcategory doesn’t exist, create one by tapping “Add New Subcategory” and typing a name. 

Once you’ve created a sub-budget, it will appear connected to its main budget in the details window. Tap a sub-budget to bring up more details, make edits, view transactions over the past year, or delete it.

On the Dashboard, the spending panel will display a colorful wheel and a list of categories. Each slice of color on the wheel represents how much you spent in the associated category. In the middle of the wheel, you’ll see how much you’ve spent in total over the last 30 days.

Swipe left on the panel to see your monthly spending and income histories over the last year in a bar graph, with a monthly average at the top.

Tap anywhere on the spending panel to bring up more details.

In the main window of the spending panel, a larger version of the spending wheel for the month will appear, along with a bar graph below for the past year, broken down by month.

1. Tap the dates above the wheel to change your date range.
2. Tap the forward and backward buttons above the wheel to change the date range by one-month increments.
3. Tap any section of the wheel to see how much you spent for that category, along with a percentage of your total spending during the date range. You can also drag the wheel around until it displays the category you’re interested in.
   1. The dotted line in the bar graph at the bottom illustrates your 90-day average for that category.
   2. Tap one of the bars in the graph to show the details for the chosen category during that month.
   3. Below the bar graph, tap “View Transactions” to show a list of transactions in your chosen category over your chosen dates.
4. Tap “Income” above the spending wheel to bring up your income wheel. Everything you can do with the spending wheel and bar graph, you can do with your income as well.

From the main window of spending, tap the three dots on the top right to see your spending or income over time as a pie chart, over time, or as a list.

The “Pie Chart” visualization shows the spending wheel.

The “Over Time” visualization is a bar graph of your overall spending or income over the last 12 months. A line graph represents your income. The current month will be highlighted by default.

1. Tap a bar on the graph to show spending for that month. You can also tap the forward or backward arrows next to the date at the top to move from one month to the next. Above the graph, you’ll see your total spending for the chosen month.
2. Tap “View Transactions” at the bottom to view transactions within your chosen month. 

The “List” option will show each category listed by the percentage of your spending that it accounted for. The percentage will be on the left, and the dollar amount will be on the right.

1. Tap the category to see a breakdown of each subcategory. Tap “View all [category] Transactions” to see each transaction in that category for the chosen time period.
2. You can tap the forward or backward arrow next to the date at the top to move from one month to the next.

Sending money is easy with your Global Credit Union mobile app. You can transfer money within the accounts you maintain with Global when you need to pay a large bill, you can transfer money to friends in your contacts list after a night out, and you can transfer money to accounts with other banks.

1. From the Dashboard, tap “Transfers” or in the menu on the top right.
2. Choose a transfer option:
   1. To One of My Linked Accounts
   2. To Another Member 

After choosing, you’ll be able to see past transfers within that category and make new ones. If someone has sent you money, you’ll also be able to accept it here.

To transfer money to a linked account:

1. Tap “Create Transfer.”
2. Tap each section to:
   1. Select the account to transfer from
   2. Select the account to transfer to (account balances will be displayed)
   3. Enter the amount you want to transfer
   4. Select when you want to send the transfer
   5. Enter how frequently you want to do the transfer
   6. Enter a memo (optional)
3. Use the slider at the bottom of the screen to submit your transfer. It will take a moment to process, and a message will appear to tell you if the transfer is successful or if there is a problem. 

To transfer money to a member of Global:

1. From the Dashboard, tap “Transfers,” then “To another Global Member.”
2. Tap each section to:
   1. Enter the account information of the member to transfer to
   2. Select the account to transfer from (an account balance will be displayed)
   3. Enter the amount you want to transfer.
   4. Enter a memo (optional)
3. Use the slider at the bottom of the screen to submit your transfer. It will take a moment to process, and a message will appear to tell you if the transfer is successful or if there is a problem. 

Putting money into your account is as easy as taking a photo.

To deposit a check:

1. From the Dashboard Move Money panel, tap “Deposits.”
   1. You’ll see a list of deposits you’ve made using the app, grouped by date. Pending deposits will be listed first, italicized, and grayed out.
2. Tap “Deposit Check.”
3. Enter the exact amount on the check, then tap “Next.”
4. Tap the account you’d like to deposit the money to.
   1. Your phone will switch to landscape orientation. You need to take a clear, readable picture of the check to avoid errors. It’s best to put the check on a flat, non-reflective surface in a room with good lighting.
5. To use auto-capture, skip to the next step. To capture manually, align the check inside the box and tap the blue camera button on the right side.
   1. If there isn’t enough light, tap the flash button on the top right to turn on your camera’s light.
6. To let the app take the picture for you, tap the toggle switch labeled “Auto Capture” at the top of the screen until it reads “on.”
   1. An opaque image of a generic check will appear. Line up your check and the image on the screen. The app will take the picture when they’re aligned.
7. After the image is captured, you’ll be asked if the image is readable. Tap “Use” if it looks good and you can read the text. Tap “Retake” if you need a better image.
8. Repeat these steps to take a picture of the back of the check.
9. You’ll be shown a summary of the information you’ve provided, a warning message if there are any problems with the check image (in which case, you should retake the pictures), and a message explaining that a hold will be placed on your deposit.
10. Use the slider at the bottom of the screen to submit your transfer. It will take a moment to process, and a message will appear to tell you if the transfer is successful or if there is a problem.

1. From the Dashboard’s Move Money panel, tap “Payments,” then “Pay a bill.”
   1. You’ll be able to see past paid bills and pay new ones.
2. Tap each option to choose the payee, the account to transfer from (account balances will be displayed), the amount you want to transfer, and when you want to send the transfer.
   1. To add a payee, tap “Choose Payee,” then tap the plus sign on the top right, and choose an option:
      1. Search for a Company — Your financial institution may or may not have a list of companies available.
      2. Add a Company (Manually) — You’ll need the company name, address, phone number, and your account number.
      3. Add a Person — You’ll need the person’s name or company name, address, phone number, and your account number (optional).
3. Use the slider at the bottom of the screen to submit your transfer. It will take a moment to process, and a message will appear to tell you if the transfer is successful or if there is a problem. 

1. From the Dashboard, tap “Payments,” then “Pay a Contact”
2. Tap each option to choose the account to transfer from (an account balance will be displayed), the contact to transfer to, the amount you want to transfer, and when you want to send the transfer. You have the option of adding a memo to remind yourself what the transfer is for.
   1. Transfers to contacts are done through a service called Popmoney, which you’ll see displayed.
   2. If a contact isn’t in your phone, you can add them. From the “Send Money To” section, tap the “+” on the top right and add a first name, last name, and payment method (email, phone number, or account number).
3. Use the slider at the bottom of the screen to submit your transfer. It will take a moment to process, and a message will appear to tell you if the transfer is successful or if there is a problem.