What is myHUB Money Insights?

myHUB is a free money management feature inside the Hughes digital banking platform. It automatically categorizes your spending and gives you personalized insights, smart budgets, savings goals and a single view of accounts you hold at other financial institutions. If you have used our money management tools before, you will find myHUB Money Insights in the same place, now with new and improved features.

How to get started

Getting to myHUB is easy, and there is nothing new to download.

1. Log in to your mobile app or online banking account.
2. Select myHUB from the top menu online, or from the menu at the top right in the app.
3. Start exploring. Your dashboard and insights are ready right away.

Insights: tips made just for you

As you use your accounts, short alerts called Insights appear in myHUB. Tap it to see details, the related transactions, and any suggested next steps.

Insights show up based on your real activity such as:

• Reaching a credit limit
• A subscription price change
• An unusually high balance
• Your paycheck deposited to your account

Insights collect in your Insights inbox so you can look back anytime, and a quick thumbs up or thumbs down helps make future Insights more relevant to you.

Your financial snapshot

myHUB also keeps always-on trackers on your dashboard, updated every time you log in. You get a breakdown of spending by category, a running list of your subscriptions, a look ahead calendar of upcoming income and bills, and a 7 Day Recap of your last week of spending. It is a real time snapshot of your finances with no digging required.

Smart Budgets: set it and track it

Smart Budgets helps you set a realistic spending limit for a category such as Groceries, Dining, and Entertainment, then see your progress as you go.

Set up a budget

1. In myHUB, select Manage Budgets.
2. Pick a category, or combine a few into one custom budget.
3. Enter your monthly amount.
4. Save.

Manage your budget

Return to myHUB anytime to add a budget for a new category, adjust an amount, or delete a budget, and your history stays visible in the tracker. Once a budget is active you automatically get real time progress updates, a note at each milestone of 25, 50, 75, and 100 percent, and any suggested adjustments if you have been consistently under or over for a few months. These updates land in your Insights inbox, so your budget history stays in one place.

Savings Goals: save with a purpose

Savings Goals helps you set a target, whether that is a vacation, an emergency fund or a big purchase, and watch your progress build automatically as you save.

Set up a goal

1. In myHUB, select Savings Goals.
2. Name your goal and pick an image to represent it.
3. Set a target amount and target date.
4. Choose the savings account the goal will draw from.
5. Set an allocation percentage, which is how much of each deposit into that account goes toward this goal.
6. Review your summary and save.

Manage your goals

You can set up multiple goals on the same account and split your allocation across them. Pause a goal if you need to redirect your savings, resume it later or delete one you no longer need. Your Goals tracker updates as deposits come in, so progress builds with no manual updates.

Link accounts from other financial institutions

If you have accounts at other financial institutions, link them to myHUB to see balances, spending, budgets, and goals across every account. Account linking is powered by Mastercard and Finicity, a trusted, secure connection service.

1. In myHUB, choose the option to link an external account.
2. Search for and select your other financial institution.
3. Log in through the Finicity secure connection and grant permission to share your account.
4. Your linked account appears in myHUB with an External tag, so you always know which accounts are which.

Once linked, your outside accounts can show up in your insights, trackers, budgets, and goals for one complete view of your finances.

Frequently Asked Questions