Personal Online & Mobile Banking - Spending Habits

Spending Habits

Spending Habits is a useful money management tool. Use it to track your spending habits, view your complete financial picture and set a budget and financial goals.

Finding Spending Habits:

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Alpine Mobile App

To access Spending Habits in the Alpine Mobile App use the slide-out menu by swiping the home screen to the right and select Spending Habits. 

Use the slide-out menu for the full list of Spending Habit options. See a description of each below. 

Online Banking

In Online Banking choose an account and select Spending Habits from the shortcut tile buttons.

Use the tabs at the top of the page to navigate to the different options: OVERVIEW, BUDGETS, CASHFLOW, GOALS and NET WORTH. See a description of each below. 

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Find Your Way Around Spending Habits:

View your accounts, transactions, spending by category, budget progress, cashflow, net worth and goal progress. Each section has links for more information.

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BUDGETS

Select ADD BUDGET to set up a budget to monitor and track your spending. Once a Budget has been established, you can set up alerts under Budget Alert and view historical and monthly information.

CASHFLOW

Cashflow allows you to plan with a calendar that automatically tracks income, expenses, and provides daily projected balance and monthly overviews. 

ADD INCOME/BILL

1. Click on the + in the bottom left corner to ADD INCOME/BILL.
2. Name the Income or Bill in the first section.
3. Select Bill or Income and provide the details.
4. Save your Income or Bill information.

VIEW INCOME/BILLS

To view the Income and Bills select the three dots in the upper right corner next to Today’s Balance and select Bills & Income. 

Bills are displayed in Red and Income in Green. Select the Bill or Income to Edit details, View Events or Delete the item.   

CONFIGURE ACCOUNTS

Choose Accounts allows you to select which accounts you want to include in your cash flow by selecting the three dots in the upper right corner next to Today’s Balance and select Configure Accounts.

GOALS

Goals allow you to plan for the future by creating savings or payoff objectives. The Goals dashboard shows your current goals progress and completed goals.

1. To add a goal, click on the ADD GOAL button. Select the type of goal you would like to complete.
   
   
2. Enter the details for your goal and SAVE.
   
   
3. The Goal Summary will include a target completion date when a goal is created.

NOTE: To edit or delete a Goal, select the Goal to be taken to the edit screen. Here you can adjust the goal settings or delete the goal by clicking Delete at the bottom.

NET WORTH

Net Worth allows you to monitor your current assets and debts.

1. To add an asset or liability, select ADD ASSET or ADD LIABILITY.
   
   
2. Select LINK ACCOUNT to add an account or enter an Unlinked Asset or Liability by entering the Name and Amount and SAVE.

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