Insights: Your Personal Financial Management Tool

Managing your money shouldn’t feel overwhelming. Whether you’re saving for your next vacation, paying down debt, or simply trying to keep up with monthly bills, Insights financial management tool gives you the tools to stay organized and in control.

No extra apps. No spreadsheets. All from within your Volt Credit Union online banking and mobile app.

Just smarter money management, right where you already bank.

What is Insights?

Insights is Volt Credit Union’s free financial management tool designed to help you understand your spending, create budgets, track bills, monitor your financial goals, and even see accounts from other financial institutions—all in one convenient place.

Think of it as your personal financial dashboard that helps turn everyday banking into smarter financial decisions.

With Insights, you can:

• Create and manage monthly budgets
• Track spending by category
• Set savings and financial goals
• Monitor bills and upcoming income
• Receive personalized account alerts
• View eligible accounts from other financial institutions alongside your Volt accounts
• Get a complete picture of your financial health

Because when you can clearly see where your money is going, you can make more confident decisions about where it’s going next.

Why Use Insights?

Life gets busy. Between subscriptions, groceries, utility bills, loan payments, and everyday expenses, it’s easy to lose track of your finances.

Insights helps simplify everything by bringing your financial picture together in one place.

Whether you’re:

• Buying your first home
• Saving for the holidays
• Paying off debt
• Building an emergency fund
• Planning for retirement
• Simply trying to stick to a monthly budget

Insights gives you the visibility you need to stay on track.

Accessing Insights

Getting started only takes a few taps.

Online Banking

There are two easy ways to access Insights:

Option 1: From the Sidebar

1. Log into Volt Online Banking.
2. Click Insights from the left-hand menu.
3. Explore all of the available financial management tools.

Option 2: Add Insights to Your Dashboard

Want your financial snapshot the moment you log in?

1. Select Organize Dashboard.
2. Click Add Card.
3. Choose the Insights cards you’d like displayed.
4. View spending, budgets, goals, and more directly from your dashboard.

Mobile Banking

Using the Volt mobile app?

1. Open the Volt Credit Union app.
2. Tap the Menu (three lines) in the upper-left corner.
3. Tap Insights.

Your personalized financial dashboard will open instantly.

Bring All Your Finances Together

Your money doesn’t always live in one place, and that’s okay.

Insights allows you to securely connect eligible accounts from other financial institutions so you can view your complete financial picture without constantly switching between apps.

Link External Accounts

To connect another financial institution:

1. Open Accounts from the menu.
2. Select Link an Account.
3. Search for your financial institution.
4. Accept the Terms & Conditions.
5. Sign in using the username and password for that institution.
6. Complete any additional security verification if prompted.

Once connected, you’ll be able to view balances, monitor transactions, include those accounts in your financial analysis, and better understand your overall net worth.

Please note: Linked accounts are view-only. You cannot transfer funds or complete transactions on external accounts through Volt Digital Banking.

Create a Budget That Works for You

Budgets don’t have to be restrictive, they’re simply a plan for your money.

Insights makes budgeting simple by automatically organizing your spending into categories and helping you create monthly spending targets.

Your budgets run from the first through the last day of each month, and spending categories are color-coded so you can quickly see if you’re staying on track.

New to budgeting? Insights even reviews your previous spending to help you determine realistic budget amounts.

How to Create a Budget (Mobile App)

1. Open Insights.
2. Tap the menu in the upper-left corner.
3. Select Budgets.
4. Tap the + button.
5. Choose Add Budget.
6. Select the spending category (tag) you’d like to monitor.
7. Name your budget.
8. Set your monthly spending limit.
9. Choose whether you’d like budget alerts.
10. Select which accounts to include.
11. Tap Finish.

Repeat these steps for as many spending categories as you’d like.

How to Create a Budget (Online Banking)

1. Click Insights from the sidebar menu.
2. Click on Budgets.
3. Choose Add Budget.
4. Check the box next to the spending category (tag) you would like to track and Click Next.
5. Name your budget and set your monthly spending limit. Click Next.
6. Choose whether you’d like budget alerts.
7. Select which accounts to include.
8. Tap Finish.

Repeat these steps for as many spending categories as you’d like.

Budget Tips

If your budget isn’t updating correctly, check that:

• Transactions have been properly categorized.
• The correct accounts are included in the budget.
• Your transaction tags match the spending category you’re tracking.

Stay Ahead with Personalized Alerts

Wouldn’t it be nice if your money kept you informed?

Insights Alerts help do exactly that.

Customize notifications for things like:

• Upcoming bills
• Low balances
• Large purchases
• Spending limits
• Specific merchants
• Account activity

These alerts can help you avoid overdrafts, catch unexpected transactions, and stay aware of your finances in real time.

How to Set Up Alerts

1. Open Insights.
2. Select Alerts.
3. Tap the + button.
4. Choose the alert type.
5. Enter the required details (account, amount, percentage, etc.).
6. Choose how you’d like to be notified:
   • Email
   • Text message
7. Save your alert.

Please note: Alerts are sent after transactions post to your account, so there may be a slight delay.

Small Changes Can Lead to Big Financial Wins

Financial wellness isn’t about being perfect, it’s about being intentional.

Insights helps you build healthy financial habits by making it easier to:

• Understand your spending
• Build realistic budgets
• Track your financial goals
• Keep up with bills
• Stay informed with alerts
• View all of your finances in one place

Every small step adds up, and Insights helps make those steps a little easier.

Start Exploring Insights Today

Insights is included free with Volt Credit Union’s Online Banking and Mobile App.

If you’re already enrolled in Digital Banking, you’re ready to start using it today.

Not enrolled yet? We’d love to help.

Visit one of our Springfield locations, call 417-862-0471, or enroll through our website to start taking advantage of all the tools available to help power your financial future.

Because at Volt Credit Union, we’re committed to helping you do more than manage your money, we’re here to help you thrive.