uni$ource Frequently Asked Questions

General

Security

Dashboard

Adding Your Accounts

Tagging & Transactions

Budget

Cashflow

Goals

Alerts

Issues Adding Your Financial Institution

Suggestions


General

Q. Why should I use uni$ource?

 

A. uni$ource provides the tools to help you manage and track ALL of your finances and have fun! You can create a budget, identify where all of your money goes each month, set spending targets, and identify ways to cut back on spending while saving more. You can also track your upcoming bills and incoming cash, and create and track your personal goals!

 

Make managing your money enjoyable, educational, and entertaining. uni$ource is secure, safe and easy. Best of all, it's 100% free! You've got nothing to lose, only money to gain!

 

Q. How do I start?

 

A. To get started, follow these simple steps:

  1. Log into Virtual Branch and select the uni$ource tab.
  2. Add at least one new account.
  3. Customize the "tag" names on your transactions to get the most accurate financial picture.
  4. Set up your budget.
  5. Create a goal!

If you have any issues with any of the above steps, please submit a support request.

 

Q. How do I contact you?

 

A. If you have a question or comment, please submit a support request.


Security

Q. Is my information secure?

 

A. Yes, your information is secure because we use several layers of security. First, your account information resides behind a firewall that is protected from unauthorized entry. In addition, all sensitive data is encrypted in the data warehouse and sessions are protected by your password, the security built into your browser, and SSL (Secure Sockets Layer), the standard security technology for establishing an encrypted link between a web server and a browser.

 

Q. What happens to my financial institutions' usernames & passwords?

 

A. Your financial institutions' usernames/passwords get sent directly to our aggregation provider, CashEdge. Your added financial institutions' usernames and passwords are NOT stored on our site. We do create a unique ID that connects you with CashEdge. This allows for the automatic updating of your accounts.

 

*See also: What is CashEdge?

 

Q. Do you collect my data?

 

A. Yes, we collect data. But we do NOT collect data specifically connected to YOU.

For example, we collect averages that people spend on car loans. But we do not know the specific balance remaining on Joe Smith's loan used to purchase his collector '72 Camaro. That information is between Joe and his lender. So yes, we collect information, but it is anonymous.

 

We respect your privacy and take the matter very seriously.

 

Q. Can a hacker access my financial data?

 

A. We've taken specific measures to ensure a very secure system. We also are required to have security suitable for interaction with other financial institutions. Security is of paramount importance to you and us, so we take the steps needed to mitigate risks.

 

Q. Can my identity be stolen?

 

A. The risk of stolen identity is extremely low. Make sure you keep your online banking username and password to yourself and no one will access your account under false pretenses. Furthermore, our support staff may ask for your username or email address, but NEVER your password.

 

Q. What is CashEdge?

 

A. "CashEdge has been the preeminent provider of online funds transfer and personal financial account aggregation services to financial institutions for nearly ten years and, today, provides its services to hundreds of financial institutions, including the majority of the nation's largest financial institutions.

 

CashEdge serves institutions of all sizes, ranging from some of the world's largest financial institutions (including Bank of America, Citibank, and Wells Fargo), to regional, mid-sized institutions (including First National Bank of Omaha, Central Pacific Bank and Huntington Bank), to credit unions (including Boeing Employee's Credit Union [BECU], Patelco, and Digital Federal Credit Union [DCU]) among others. In the Brokerage and Wealth Management segment, clients include The Vanguard Group, Pacific Life, Cambridge Investment Research, and American Portfolios."

 

Q. I'm nervous about adding all of my accounts.

A. Using uni$ource is just as secure as using Virtual Branch.
There are several reasons:

  • None of your accounts are actually all in one place. Your accounts are still safely at their respective financial institutions. We just allow you to monitor them in one convenient location.
  • We do NOT store any of your added financial institutions' sensitive data or passwords.
  • It is in our best interests as a business to earn your trust. We wouldn't create anything that would be risky to use because ultimately that would reflect poorly on us.


Dashboard

Q. What shows up on my Dashboard?

 

A. You can view the following items from your Dashboard:

  • Automatically uploaded accounts
  • Daily account transactions
  • Your customizable widgets which can include goals, budgets, bills, net worth, and more

Q. How do I hide an account's transactions from the Dashboard?

 

A. Follow these simple steps to hide an account's transactions:

  1. In the left sidebar, click on the account whose transactions you'd like to hide
  2. Click the 'Edit' button
  3. Be sure that 'Show transactions from this account on the dashboard' is not checked
  4. Click 'Save'

Q. How do I export a list of my transactions?

 

A. You can export transactions into a CSV file format, which is supported by most spreadsheet programs:

  1. On the dashboard at the top of the transaction list, click 'Export'
  2. Enter the desired date range (We can export transactions from when you began using uni$ource, up to one year in the past.)
  3. Click 'Download File'
  4. A CSV file will be saved to your computer's download folder.

Adding Your Accounts

Q. What type of accounts do you support?

 

A. We support the following types of accounts:

  • Checking
  • Savings
  • Credit Cards
  • Loans (auto, home, student, personal)
  • Brokerage (401k, IRA, and other stock accounts)

Q. What financial institutions do you support?

 

A. We support more than 10,000 financial institutions. If you're having trouble finding yours, please try these search tips:

  • Input your financial institution's EXACT name
  • Next, try searching with the least amount of words possible. (For example: You are searching for "State Employees Credit Union of Maryland." Try typing in "State Employees" and see if any applicable choices appear below your search box.)
  • If your financial institution has a nickname (i.e. SECU) try searching under those terms.
  • Lastly, if your financial institution has a state or unique word in it, try searching only by that term (i.e. "Maryland").

If you still cannot locate your financial institution, chances are that we do not support it at the moment. Please submit a support request to add a new financial institution to our list. Thanks!

 

Q. How do I add an account?

 

A. Adding an account is quick and easy, please follow these steps:

  1. Log into Virtual Branch and select the uni$ource tab.
  2. Click the "Add" button next to the "Accounts" heading in your left sidebar.
  3. Enter your financial institution into the search box and click "Search."
  4. Verify your identity: Enter your information as you would when logging into your financial institution and click "Connect."
  5. Answer your security question(s) (if asked), and click "Connect."
  6. Classify your account(s) (choose the closest choice if the exact account type is not listed), and click "Save."
  7. Wait for your accounts to upload. If you have more than one account at this particular financial institution it will take longer to upload.

Q. What should I do if I am having trouble adding my financial institution(s)?

 

A. If you are having trouble automatically adding accounts and have tried our Search Tips (See also: "What financial institutions do you support?"), please let us know by submitting a support request.

 

Q. If I can't add an outside account, or while I'm waiting for approval, what else can I do to get a complete picture of my finances?

 

A. If you are having trouble adding external accounts, you can manually add accounts and balances to use within the Net Worth section. While these assets and debts won't be available throughout the entire application, you can get a basic view of your finances within Net Worth.

 

Q. How do I handle cash transactions like ATM withdrawals?

 

A. You can split tag your cash transactions so your cash withdrawal gets properly distributed. Learn more within our split tagging FAQ.

 

Q. How do I delete a previously added financial institution?

 

A. To delete an account, please take the following steps:

  1. Click on the account that you wish to delete located under "Accounts" in the left side of your screen.
  2. You will be directed to that account's detail page. Look to the small gray links at the top next to your account's name. Click on the link labeled "Edit."
  3. At the bottom of the page, you will see the delete an account option. Click "Delete" to permanently delete your account.
    Your account should now be deleted.

Q. How do I assign nicknames to my financial institutions?

 

A. Here's how you can personalize how you view your financial institutions:

  1. Click on the account under "Accounts" in the left side of your screen.
  2. You will be directed to that account's detail page. Look to the small gray links at the top next to your account's name. Click on the link labeled "Edit."
  3. You will see a box that has your account's name. Type in a new nickname and click "Save."
    That's it! From now on your account will display the new name. You can change the name again at any time.


Tagging & Transactions

Q. What Is a Tag?

 

A. A tag is a one-word description. Use tags to categorize your transactions to get a good idea of how you're spending your money. When you add or update a financial institution, we will automatically pull in your most recent transactions and auto-tag (gas, food, clothes, etc.) them for you! We strongly suggest you edit your tags by clicking on the "edit" button associated with each transaction.

Tags makes it simple for you to track your spending in entirely new ways, and customized tags give you a more accurate view or your financial picture and budget.

 

Q. How do I edit a tag?

 

A. We automatically "tag" your transactions, but to get a more accurate financial picture, we suggest that you customize them specifically to you.

 

To change a tag, please take the following steps:

  1. Click on the account that holds the transaction(s) you would like to edit (under "Accounts" on the left of your "Dashboard" page).
  2. Click on any transaction to begin editing it.
  3. Review the "Title" of your transaction. If you wish to change it, simply edit the text.
  4. Click the "x" next to the existing tag if you'd like to change it. Start typing your replacement tag and autocompletion suggestions will be displayed. Finish your tag, or choose a highlighted suggestion from the list that appears.
  5. Optional: Click "split tags" if you would like to allocate portions of this transaction in separate tags.
  6. Click "Save Transaction."

Q. How do I split the tags on my transactions?

 

A. If you would like to "split tag" your transactions, please take the following steps:

  1. Click on any transaction when an edit button appears next to it.
  2. Click the "split tags" link in the Tags area of the form.
  3. Enter your first tag and its allocated value (respectively) in the first row of fields that appear.
  4. Repeat the process for each tag, ensuring that the entire balance of the transaction is accounted for.
  5. Click the "add another tag" button if you want to split between more than two tags.
  6. Click "Save Transaction" to finalize the changes.

Q. How do I apply custom titles and tags to similar transactions?

 

A. If you'd like your changes to a transaction's title or tags to be applied to similar transaction, check the box in the "Create a Rule" area of the transaction editor. This will allow you to choose from a number of different recurrence styles:

  • Apply for transactions from ALL ACCOUNTS from ANY TIME PERIOD
  • Apply for transactions from ALL ACCOUNTS from THIS TRANSACTION MOVING FORWARD
  • Apply for transactions from THIS ACCOUNT ONLY from ANY TIME PERIOD
  • Apply for transactions from THIS ACCOUNT ONLY from THIS TRANSACTION MOVING FORWARD

Q. How do I change an incorrect auto-tag?

 

A. If a transaction is incorrectly tagged, please re-tag it by following these steps:

  1. Click on the transaction with the incorrect tag.
  2. Click on the 'x' in the tag you wish to remove.
  3. Begin typing the appropriate tag, then select it from the dropdown list (If you are creating a new custom tag, type the entire tag name and then press Enter).
  4. Click "Save Transaction" to finalize the changes.

Retagging is beneficial to you and others using uni$ource. The system gets smarter by monitoring these re-tags and tagging accuracy will increase.

 
Budget

Q. How are budgets used?

 

A. By creating a budget, all of your spending from aggregated accounts begins to take form. As you spend money and save money, uni$ource will show you how you're doing with what you've budgeted.

 

Q. How do I edit or delete a Spending Target?

 

A. To edit or delete your Spending Targets:

  1. Click on the navigation item "Budget" at the top of the page.
  2. Click on the spending target you'd like to modify from the list.
  3. At the top of the page, click the "Edit" or "Delete" buttons.

Q. What's the difference between a Spending Target and a Bill?

 

A. Spending Targets include routine expenses like groceries, entertainment, or coffee. These expenses can be linked to a tag. The tag then links to your account transactions (if you've previously uploaded an account).

 

Note: You can add multiple tags here. For example, if you create a spending target for "Transportation", this may include multiple tags such as: Gas, Tolls, Car.

 

Bills are recurring expenses such as rent, auto loan, or utilities. These expenses have a due date and you can input them into a calendar to keep track of your Cashflow and payment due dates. You can also set up Alerts to remind you as bills are coming up on the calendar.

 


Cashflow

Q. How do I use my Cashflow Calendar?

 

A. Use it to get a quick glance of when your bills are due, when your paycheck is coming, and for setting up budgets. Click the navigation item "Cashflow" to open it and click on a day to add a new income source or bill due. Complete the details and the item is added to your Cashflow Calendar.

 

Q. How do I create a bi-weekly income?

 

A. When adding an income source, simply choose between "every other week" and "twice a month" frequency options. "Every other week" is once every two weeks (separated by 14 days), whereas "twice a month" is fixed on the 1st and 15th of each month.

 

Q. How do I select which accounts make up the estimated resulting balance in Cashflow?

 

A. Follow these simple steps to choose which accounts make up the estimated balance in Cashflow:

  1. On the Cashflow page, click 'Choose Accounts' in the grey box above the calendar
  2. Check the boxes next to the accounts you'd like to include in the balance
  3. Click 'Save and Close'


Goals

Q. Why should I create a Goal?

 

A. Goals are a way for you to visually track your financial progress – actually seeing your goals will help you stay on track! The Goals feature allows you to easily monitor your current financial goals. What do you want to accomplish? Create a goal and start seeing your dreams become a reality!

 

Q. What features are included in the Goals tab?

 

A. On the Goals screen, you can add, delete, or edit existing goals in addition to viewing your current progress. You are also able to create multiple goals on the same account, and track your progress with a Dashboard completion meter in addition to SMS and email alerts. Finally, you can choose to “lock” a sum of money from being counted towards your goals. This provides an extremely accurate reading of your current goal progress!

 

Q. How do I begin using the Goals tab?

 

A. To create a new goal, click the green “Add A Goal” button on the Goals screen. Choose between a payoff and savings goal, and select which picture best represents your goal – you can then enter a custom name if you’d like. You’ll be able to choose which account you’d like the goal to be associated with and at what balance it will be complete. Finally, choose between either the date you want this goal to be completed or how much you are able to save each month, which will calculate a due date for you. Use the “how much do I have available to spend” button to aid you in this. Finally, choose whether or not to “lock” a certain balance in your account. Click the green “Create Goal” button, and you’re on your way to financial success! You’ll now be able to track your progress on the Goals screen in the future.


Alerts

Q. What are Alerts?

 

A. These are personalized notifications sent to your mobile device and/or email, which help you keep track of activities in your accounts. If you've set up a bill, it can alert you when that bill is coming up. If you want to monitor your checking account to avoid overdrafts, you can set up a low balance alert to let you know when your account falls below a preset amount.

 

Q. How do I set up my email and mobile phone settings?

 

A. From Dashboard, click on the navigation item "Alerts." You can now enter these preferences at the bottom of the Alerts page.

 

Q. What cell phones do you support?

 

A. As long as your cell phone can send and receive text messages, you can choose the Text Message option. Standard messaging charges will apply, so check with your wireless carrier for more details on text messaging fees.

 

Q. How do I set up Alerts?

 

A. Here's how to set up your Alerts:

  1. Click on the navigation item "Alerts" at the top of the page
  2. Click on "Add an Alert" to get started
  3. Choose your Alert type:
    • Account Balance Alerts
    • Spending Target Exceeded
    • Bill Reminder Alerts
    • Large Transaction Alert
    • Goal Progress Alert
    • Specific Store Alerts
  4. Choose the Alert Options:
    • Email
    • Text Message
  5. Click "Add Alert"


Issues Adding Your Financial Institution

Q. How do I add ING Direct? My information is not being accepted.

 

A. Due to recent changes on ING Direct's website, we now use an access code to bring in your accounts rather than a PIN. If you have not created an access code yet, please follow these instructions:

  1. Sign into ingdirect.com with your Customer Number/Saver ID and PIN.
  2. Click the "My Info" tab.
  3. In the "Personal Finance Access Code" section, click the "Create Code" link.
  4. On the next page, click the "Create Access Code" button.

This access code will need to be used in place of your usual PIN while adding your account to uni$ource. If you still experience difficulty getting your accounts added after following these steps, please submit a support request.

 

Q. Your site is working in one browser, but not in another. Why is that?

 

A. There are a lot of browsers out there and we do our best to support as many browsers as we can.
We currently support:

  • Mozilla Firefox 2+ (Windows + Mac)
  • Safari 2+ (Windows + Mac)
  • Internet Explorer 7+

If you have an older browser, please try upgrading to one of these supported browsers. If you experience a problem with one of our supported browsers, please submit a support request.

 

Q. My financial institution uses image/word verification. Can you support it?

 

A. Unfortunately, we cannot support your financial institution for automatic account aggregation because they require an image-based, randomly-generated security code to be filled out each time you sign in. We currently don't have the infrastructure in place to support such a transaction; however, we're working on it and hope to be able to support such accounts in the future.

Example of Image Verification Login:

 

Suggestions

Q. I have another question! Help!

 

A. Let us help you! Please submit a support request to receive further assistance. A support request may be found in the uni$ource program under the Help tab.

 

Q. I have a great idea for you!

 

A. Fantastic! We're always looking to improve our site and welcome your thoughts and ideas. Please submit a support request to share your feedback. A support request may be found in the uni$ource program under the Help tab.

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