FINANCIAL TOOLS

Your Money. Your Way.

Our new Financial Tools widget gives you a complete view of your finances—all in one place. From spending and budgeting to debt and net worth tracking, you’ll have the insight and control to move confidently toward your financial goals.

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Track It. Plan It. Own It.

Smart Spending Insights
See where your money is going with automatic transaction categorization.
Easy Budget Creation
Set monthly budgets, track your progress, and adjust as you go.
Cash Flow at a Glance
Know what’s coming in and going out—so there are no surprises.
Net Worth Tracker
Combine your accounts, loans, and assets to see your full financial picture.
Debt Management Tools
Stay on top of your debt and create a payoff plan that works for you.
Visual Trends & Charts
Spot patterns, make smarter decisions, and celebrate your wins with easy-to-read graphs.

Quick Tips

1. Link External Accounts
Add accounts from other banks and lenders to see your full financial picture in one place.

2. Categorize Transactions to Your Life
Customize categories so your budget fits your lifestyle—not the other way around.

3. Track Your Net Worth Over Time
As you pay off debt and grow savings, your net worth will show real progress toward your goals.

4. Set Spending Goals and Celebrate Wins
Challenge yourself to stay under budget in a few categories each month—you’ve got this!

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Everything You Need, All in One Dashboard

Our powerful Financial Tools are fully integrated with your Arbor accounts, giving you a real-time, accurate view of your financial life—so you can spend smarter, save better, and stress less.

Get started by logging into Online & Mobile Banking!

Spending

This section provides an easy-to-understand model of your spending habits to help you see how you spend money. It helps you take control of your monthly cash flow, identify problem areas, and learn important skills.

Budget

This section shows a practical, easy-to-understand graphic so you can see how you spend your money and how you can save or invest more. An easy-to-follow budget can be the key to your financial health.

Trends

Get a full understanding of your spending patterns. The trends tool makes it easy to see your spending patterns and track progress over 3,6,9, or 12 months. Gain insights about how and when you spend money and develop a plan for future spending.

Cash Flow

See all your income and expenses on a given day, including future predictions. Know ahead of time if you'll be able to afford a big purchase, and keep track of recurring bills and deposits to see how they affect your financial future.

Net Worth

See your net worth over time and analyze monthly transactions to maximize your bottom line and learn how your net worth can impact your overall financial picture.

Debts

See all your debts in one place and make a plan to pay them down. When you add your debt information, the tool will automatically calculate your fastest debt-free date and payment plan.

Frequently Asked Questions

Looking for more?

: Scroll to the Financial Tools section on the home screen in Online & Mobile Banking and click on the widget. It will then prompt you to connect outside accounts and link your Arbor account information.
: Nope! This tool is 100% free and a benefit of banking with Arbor using our Mobile & Online Banking.
: Linking accounts you hold at other financial institutions allows you to see an even fuller picture of your finances.

On your computer, click the “Link Account” button located next to the budgeting widgets on the homescreen of Online Banking. On the app, click the “Budgeting Tools” button on the homescreen and then “Link Account” in the navigation menu that appears.

You can choose from several major financial institutions. If you don't see the bank or credit union you want to link in the list, search for your financial institution. If you are unable to locate your bank in the list, then they may not be a participant with our Personal Financial Management (PFM) provider.

You'll be asked to input your login credentials you use at your other bank to complete the connection. In order to link the accounts we must validate that you are the owner of the account and gain your authorization to retrieve the account information at your other financial institution. By providing your credentials, you enable us to access your account history at the other bank so you can see it in Online Banking.

While the connection is being completed, you can continue linking other accounts. Once the link is complete, you will see a notification on the homescreen.