Global CU app

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.

Pending ACH deposits and withdrawals can be found under Transactions in the dashboard. Pending debit card and credit card transactions are not viewable at this time.

Scheduled transfers or bill payments can be found under the respective “View Activity” tab for each of the transfer types listed below:

• Transfers > Between my Global accounts
• Transfers > To another Global member
• Bill Pay > Pay a bill
• Bill Pay > Send money to a contact

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.