Save

Deposit 529

Available in Mini Widget

This insight celebrates contributions to a user's 529 savings account and reminds them that 529 is a great way to get tax-free investment growth and withdrawals for qualified education expenses.

This insight will not generate if any higher-ranking insight has already been generated for the relevant transaction.

Ranking List:

• Tax Deposit
• Government Deposit
• Deposit529
• HSA Deposit
• Payroll Deposit
• Check Deposit
• Large Deposit
• Savings Account Deposit

Example Images

When Does This Generate?

This insight triggers whenever a deposit is made into the 529 account and the following requirements are met:

• Transaction type is CREDIT.
• account_type_id must be 11 (Plan 529).
• If 529 accounts are to be included from the other subtypes (accounts that don't have their account_type_id set at 11), the account name must be filtered by the following expressions:
  • \s529\s OR
  • Plan AND 529 OR
  • \(529\) OR
  • \b529-\d\b
• Account name can't contain PREPAID.
• Deposit amount is greater than $10.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "529 deposit received"
• description:
  • one: "On {date}, your {account_name} account received a {amount} deposit. That's great! Keep doing this every month to contribute {projected_amount} in a year."
  • other: "On {date}, your {account_name} account received a {amount} deposit. That's great! Keep doing this every month to contribute {projected_amount} in {count} years."
• call to action: "View transaction"

Withdrawal 529

This insight notifies users when that they have made a debit transaction on a 529 account.

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When Does This Generate?

This insight triggers when a user withdraws from their 529 account and the following requirements are met:

• Transaction type is DEBIT.
• account_type_id must be 11 (Plan 529)
• If 529 accounts are to be included from the other subtypes (accounts that don't have their account_type_id set at 11), the account name must be filtered by the following expressions:
  • \s529\s OR
  • Plan AND 529 OR
  • \(529\) OR
  • \b529-\d\b
• Account name can't contain PREPAID.
• This insight is triggered if the withdrawal has happened within the year.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "529 withdrawal detected"
• description: "On {date}, you withdrew {transaction_amount} from your {localized_account_name}. Remember to spend that money on qualified educational expenses before the end of the year. Contact your plan provider with questions about how to properly use 529 funds."
• call to action: "View transaction"

Designate Emergency Savings Account

This insight allows users to choose, change, or open their emergency savings account.

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When Does This Generate?

This insight triggers:

• Once a month if there is no emergency savings designated.
• Every 6 months if an emergency savings is designated.

If dismissed, we will not show this insight for 6 months, regardless if there is a designated savings account or not.

Customizable Text

This is the default text for this insight. This is all customizable:

• not sampled:
  • title: "Be ready for a rainy day"
• sampled:
  • choose account:
    • title: "Be ready for a rainy day"
    • description: "Would you like to choose an account for emergency savings? We can help you add to it!"
    • call to action: "Save"
  • open account:
    • title: "Be ready for a rainy day"
    • description: "Would you like to open an account for emergency savings? We can help you add to it!"
    • call to action: "Open Savings Account"
  • change account:
    • title: "Be ready for a rainy day"
    • description: "Your emergency savings are in {localized_account_name}. Would you like to choose a different account? If not, no action is needed."
    • call to action: "Save"

Emergency Fund Withdrawal

Available in Mini Widget

This insight notifies users when they've made a withdrawal from an emergency fund account in a potentially unqualified category, which may incur a fee.

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When Does This Generate?

This insight triggers when the following requirements are met:

• The account associated with the transaction is associated to an active emergency fund goal.
• The transaction is DEBIT.
• The user has an active emergency fund goal.
• The emergency fund goal isn't completed.
• There are 5 or less Emergency Fund Withdrawal insights for this user within the current week.

Customizable Text

This is the default text for this insight. This is all customizable:

• If transfers for funds are enabled:
  • title: "Emergency fund withdrawal"
  • description: "You've made a withdrawal from your emergency fund, and that's okay! Would you like to create a transfer to your fund to support its ongoing growth?"
  • call to action: "Create transfer"
  • supporting action: "View transaction"
• If transfers for funds are disabled:
  • title: "Emergency fund withdrawal"
  • description: "You've made a withdrawal from your emergency fund, and that's okay! When you can, we suggest transferring some money back to your fund to support its ongoing growth."
  • call to action: "View my emergency savings"
  • supporting action: "View transaction"
• Zero state:
  • title: "Emergency fund withdrawal"
  • description: "Due to changes in the data, the information here is no longer relevant."

Unified Deposit Emergency Fund

This insight notifies users who have created an Emergency Fund goal within the Goals Widget when there is a deposit made to their account.

It is available for the following categories:

• Tax deposit
• Government deposit
• Payroll deposit
• Check deposit
• Large deposit

This insight will exist in one of the above states, depending on the underlying transaction. This is a sampled insight, so it will reflect changes in the underlying transactions. If the underlying transaction changes such that it no longer matches any of the above-listed criteria, it will revert to a "zero state" as further described below.

Dependencies

This insight will only generate if a user has created an Emergency Fund savings goal within the Goals Widget.

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When Does This Generate?

This insight triggers when a transaction is created which meets the following requirements, or a PENDING transaction which meets the following requirements is updated to a status of POSTED:

• A transaction must meet all of the following conditions below to trigger this insight:
  • The transaction status must be POSTED.
  • The transaction type must be CREDIT.
  • The transaction must be held in an account with type CHECKING or SAVINGS.

In addition, a transaction must match any one of the following set of criteria (in order of preference):

• To match the Tax Deposit criteria:
  • The transaction must be have a top-level category of TAXES.
• To match the Government Deposit criteria:
  • The transaction classifications must include is_government_deposit.
  • If there's a value set for the threshold:
    • The deposit amount must be equal to or above the threshold value.
  • If there isn't a value set for the threshold:
    • The deposit amount must be equal to or above the default threshold value of $500.
• To match the Payroll Deposit criteria:
  • The transaction must be have a category of PAYROLL.
• To match the Check Deposit criteria:
  • The transaction must be in the INCOME category.
  • The transaction must include "check deposit" or "mobile deposit" in the feed description (the case of the feed description text does not matter).
• To match the Large Deposit criteria:
  • The transaction must have an amount greater or equal to a dynamically adjusted threshold (client-configurable default: $500)
  • The amount threshold is adjusted dynamically based on the amount of the most recent Unified Deposit Emergency Fund insight within the damping period, but ignoring insights having amounts below the default threshold:
    
    

    _10

    # exponential decay

    _10

    lambda = - damping_decay_factor/damping_period

    _10

    threshold = (last_beat_amount - default_threshold) * Math.exp(lambda * days_since_last_beat) + default_threshold

    _10

    damping_decay_factor = 5.0; default_threshold = 500; damping_period = 30

    
    
• A user is limited to receiving up to 5 Unified Deposit insights per day or up to 15 Unified Deposit insights per week.

Customizable Text

This is the default text for this insight. This is all customizable:

• check deposit:
  • title: "Check deposit"
  • description:
    • zero: "On {transaction_date}, a {transaction_amount} check deposit was received in your {localized_account_name} account. This could be a great time to start an emergency fund to be prepared and protect yourself from the unexpected."
    • one: "On {transaction_date}, a {transaction_amount} check deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected. Would you like to transfer funds to your savings?"
    • other: "On {transaction_date}, a {transaction_amount} check deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected."
  • call to action:
    • zero: "Start saving for emergencies"
    • one: "Transfer funds"
    • other: "View my emergency savings"
  • supporting action: "View deposit"
• government deposit:
  • title: "Government deposit received"
  • description:
    • zero: "On {transaction_date}, a {transaction_amount} government deposit was received in your {localized_account_name} account. This could be a great time to start an emergency fund to be prepared and protect yourself from the unexpected."
    • one: "On {transaction_date}, a {transaction_amount} government deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected. Would you like to transfer funds to your savings?"
    • other: "On {transaction_date}, a {transaction_amount}government deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected."
  • call to action:
    • zero: "Start saving for emergencies"
    • one: "Transfer funds"
    • other: "View my emergency savings"
  • supporting action: "View deposit"
• large deposit:
  • title: "{transaction_amount} deposit received"
  • description:
    • zero: "On {transaction_date}, a deposit was received in your {localized_account_name} account. This could be a great time to start an emergency fund to be prepared and protect yourself from the unexpected."
    • one: "On {transaction_date}, a {transaction_amount} deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected. Would you like to transfer funds to your savings?"
    • other: "On {transaction_date}, a {transaction_amount} deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected."
  • call to action:
    • zero: "Start saving for emergencies"
    • one: "Transfer funds"
    • other: "View my emergency savings"
  • supporting action: "View deposit"
• payroll deposit:
  • title: "Payroll deposited"
  • description:
    • zero: "On {transaction_date}, a {transaction_amount} payroll deposit was received in your {localized_account_name} account. This could be a great time to start an emergency fund to be prepared and protect yourself from the unexpected."
    • one: "On {transaction_date}, a {transaction_amount} payroll deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected. Would you like to transfer funds to your savings?"
    • other: "On {transaction_date}, a {transaction_amount} payroll deposit was received in your {localized_account_name} account."
  • call to action:
    • zero: "Start saving for emergencies"
    • one: "Transfer funds"
    • other: "View my emergency savings"
  • supporting action: "View deposit"
• tax deposit:
  • title: "Tax deposit"
  • description:
    • zero: "On {transaction_date}, a {transaction_amount} tax deposit was received in your {localized_account_name} account. This could be a great time to start an emergency fund to be prepared and protect yourself from the unexpected."
    • one: "On {transaction_date}, a {transaction_amount} tax deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected. Would you like to transfer funds to your savings?"
    • other: "On {transaction_date}, a {transaction_amount} tax deposit was received in your {localized_account_name} account. This could be a great time to add to your emergency fund to be prepared and protect yourself from the unexpected."
  • call to action:
    • zero: "Start saving for emergencies"
    • one: "Transfer funds"
    • other: "View my emergency savings"
  • supporting action: "View deposit"
• zero state:
  • title: "Deposit received"
  • description: "A deposit was previously received, but because of changes no further information is available."

Emergency Savings Milestone Reached

Available in Mini Widget

Available in Mini Widget

This insight congratulates users as they pass milestones with their emergency savings balance.

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When Does This Generate?

This insight triggers whenever any of the following occur:

• A user's total savings balance goes from less than $100, to greater than or equal to $100
• A user's total savings balance goes from less than $500, to greater than or equal to $500
• A user's total savings balance goes from less than $1,000, to greater than or equal to $1,000

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Savings milestone reached"
• description:
  • At 100: "On {date}, you passed $100 in total savings. Keep up the good work!"
  • At 500: "On {date}, you passed $500 in total savings. You’re more than halfway there. Great job!"
  • At 1000: "On {date}, you passed $1,000 in total savings! You now have a good amount of money saved for unexpected expenses. Way to go!"

Savings Milestone Emergency Fund

Available in Mini Widget

This insight congratulates the user when they cross a milestone in their progress toward their emergency savings goal.

Dependencies

This insight will only generate if a user has created an Emergency Fund savings goal within the Goals Widget.

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When Does This Generate?

This insight is triggered when a goal meets the following requirements:

• The user has an emergency fund.
• The emergency fund goal is changed and crosses a threshold.
  • The previous goal state must be below a threshold.
  • The current goal state must be above a threshold.
  • The thresholds are:
    • 25%
    • 50%
    • 75%
    • 100%

Customizable Text

This is the default text for this insight. This is all customizable:

• not completed
  • title: "Savings milestone reached!"
  • description: "On {date}, you saved {amount} in your {localized_account_name} account and you’ve successfully reached {crossed_threshold} of your savings goal. Keep up the good work!"
  • call to action: "View my emergency savings"
• completed
  • title: "Savings milestone reached!"
  • description: "On {date}, you saved {amount} in your {localized_account_name} account and achieved your savings goal! You've now saved enough for unexpected emergencies. Way to go!"
  • call to action: "View my emergency savings"

Monthly Emergency Fund Review

Available in Mini Widget

This insight shows the user a monthly summary of their emergency goal progress.

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When Does This Generate?

This insight is triggered once per month after users start saving for a goal and must meet the following requirements to generate:

• The user has an active emergency fund goal, which is defined as:
  • goal_type == SAVE_AMOUNT
  • track_type == SAVINGS_TRACK
  • meta_type == EMERGENCY_FUND
• The insight can't already exist for the previous month.

Customizable Text

This is the default text for this insight. This is all customizable:

• No data:
  • title: "No longer relevant"
  • description: "Due to changes in the data, the spending information here is no longer relevant."
• Non positive progress and transfer are enabled:
  • title: "Monthly savings progress review"
  • description: "Even a small deposit every month can empower you navigate through life's uncertainties with confidence. Would you like to create a transfer to continue building your financial safety net?"
  • call to action: "Create transfer"
  • supporting action: "View my emergency savings"
• Non positive progress and transfers are disabled:
  • title: "Monthly savings progress review"
  • description: "Even a small deposit every month can empower you navigate through life's uncertainties with confidence. We encourage you to automate your transfers to help you achieve your goal."
  • call to action: "View my emergency savings"
• Positive progress:
  • title: "Monthly savings progress review"
  • description: "Building a financial safety net will empower you to navigate through life’s uncertainties with confidence."
  • call to action: "View my emergency savings"
• Completed goal:
  • title: "Monthly savings progress review"
  • description: "Good job! You’ve built a financial safety net and now have a plan for unexpected emergencies! Would you like to take your savings to the next level and create a new savings goal?"
  • call to action: "Create new goal"
  • supporting action: "View my emergency savings"

Monthly Emergency Savings Reminder

Available in Mini Widget

This insight reminds users to move money into their emergency savings account.

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When Does This Generate?

This insight only generates once a month after all three milestones are achieved and these requirements are met:

• User does not have an Emergency Savings Account GUID set (via the Designate Emergency Savings Account insight).
• Savings account has a balance lower than $1,000.

Customizable Text

This is the default text for this insight. This is all customizable:

• Start saving first goal:
  • title: "Build emergency savings"
  • description: "It’s crucial to be able to cover large, unexpected expenses. If you saved {contribution_needed_to_reach_goal} per week, you’d have $100 saved within 1 month."
  • call to action: "View more"
• Amount remaining to reach first goal:
  • title: "Build emergency savings"
  • description: "It’s crucial to be able to cover large, unexpected expenses. You are so close to completing step one! Only {amount_remaining_to_reach_goal} more to go to reach $100 saved."
  • call to action: "View more"
• Start saving second goal:
  • title: "Build emergency savings"
  • description: "It’s crucial to be able to cover large, unexpected expenses. If you saved {contribution_needed_to_reach_goal} per month, you’d have $500 saved within 3 months."
  • call to action: "View more"
• Amount remaining to reach second goal:
  • title: "Build emergency savings"
  • description: "It’s crucial to be able to cover large, unexpected expenses. You are so close to completing step two! Only {amount_remaining_to_reach_goal} more to go to reach $500 saved."
  • call to action: "View more"
• Start saving third goal:
  • title: "Build emergency savings"
  • description: "It’s crucial to be able to cover large, unexpected expenses. If you saved {contribution_needed_to_reach_goal} per month, you’d have $1,000 saved within 3 months."
  • call to action: "View more"
• Amount remaining to reach third goal:
  • title: "Build emergency savings"
  • description: "It’s crucial to be able to cover large, unexpected expenses. You are so close to the finish line! Only {amount_remaining_to_reach_goal} per month more to go to reach $1,000 saved."
  • call to action: "View more"

HSA Deposit

Available in Mini Widget

This insight alerts users who already have an HSA account how much money has been deposited.

This insight will not generate if any higher-ranking insight has already been generated for the relevant transaction.

Ranking List:

• Tax Deposit
• Government Deposit
• Deposit529
• HSA Deposit
• Payroll Deposit
• Check Deposit
• Large Deposit
• Savings Account Deposit

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When Does This Generate?

This insight triggers when an HSA deposit is credited to a user's account and the following requirements are met:

• The account associated with the transaction must either have the subtype HSA, HSA_CHECKING, HSA_SAVINGS, or have "HSA", "Health Saving" or "Health Checking" in its name.
• The transaction must be CREDIT.
• The transaction must not be in the DIVIDEND_AND_CAP_GAINS, or INTEREST_INCOME categories.
• The transaction must be equal to or greater than the HSA_Deposit_Threshold on the CIP (the default value is $10).
• The transaction must be the first daily deposit in its account.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "HSA Deposit"
• description:
  • zero: "Due to changes in the data, the information here is no longer relevant."
  • one: "On {date}, your {localized_account_name} account received a {summed_deposit} deposit. That's great! Keep doing this every month to contribute {annual_projection} in 12 months."
  • other: "On {date}, your {localized_account_name} account received {count} deposits for a total of {summed_deposit}. That's great! Keep doing this every month to contribute {annual_projection} in 12 months."
• call to action:
  • zero: N/A
  • one: "View transaction"
  • other: "View transactions"

HSA Withdrawal

Available in Mini Widget

This insight alerts users who already have an HSA account how much money has been withdrawn.

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When Does This Generate?

This insight triggers when money is withdrawn from a user's HSA account and the following requirements are met:

• Transaction type must be Debit.
• Consider accounts with subtype: HSA or HSA Savings or HSA Checking.
• ELSE consider accounts with account name pattern: HSA|(Health Savin)|(Health Check).
• Insight should be triggered if the category name isn't Dentist, Doctor, Pharmacy OR top_level_category_name is Investment.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "HSA Withdrawal"
• description: "On {date} you withdrew {transaction_amount} from your {localized_account_name}. This is a friendly reminder that HSA funds can be used only for qualified medical expenses. Contact your account provider with any questions."
• call to action: "View transaction"

Monthly Savings To Income Comparison

Available in Mini Widget

This insight informs users how much money they have saved compared to how much money they have earned from month to month.

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When Does This Generate?

This insight triggers monthly and must meet the following requirements:

• Savings deposits into the Savings account type are calculated for this insight.
• Income calculated for this insight comes from the top level category of Income. Any transaction with a category that is a child of Income is an income transaction and will not be considered income.

Customizable Text

This is the default text for this insight. This is all customizable:

• title:
  • zero state: "Savings vs. income"
  • zero savings: "Savings vs. income"
  • lower savings: "Savings vs. income"
  • higher savings: "Savings vs. income"
• description:
  • zero state: "Due to changes in the data, the information here is no longer relevant."
  • zero savings: "Although you weren't able to add to your savings in {last_month}, if you deposit {recommended_savings_percentage} of your income to savings next month, that's {recommended_savings}. Every little bit counts!"
  • lower savings: "In {last_month}, you deposited {savings} to savings, which is {savings_to_income_percentage} of your income. Nice work! See if you can bump it up next month by depositing {recommended_savings}, or {recommended_savings_percentage} of your income."
  • higher savings: "In {last_month}, you deposited {savings} to savings, which is {savings_to_income_percentage} of your income. Excellent work! Keep it up next month to continue your strong saving habit.
• call to action: "View more"

Replenish Savings

Available in Mini Widget

This insight prompts users, one week after they withdraw from their savings account, to replenish some of the amount withdrawn.

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When Does This Generate?

This is insight is triggered one week after the initial transaction was withdrawn, and the same amount or more has not been added back to the account, and the following requirements are met:

• Account Type = Savings.
• Transaction Type = Debit.
• Activated once a withdrawal occurs then after 7 days from that withdrawal. If more than one withdrawal occurs during that period, then the total amount withdrawn is considered.
• Only triggered if the withdrawn amount is not replenished after a 7 day period.

Customizable Text

This is the default text for this insight. This is all customizable:

• title:
  • one account one transaction: "Savings withdrawal"
  • one account multiple transactions: "Savings withdrawal"
  • multiple accounts: "Savings withdrawal"
• description:
  • one account one transaction: "On {date}, you withdrew {total_amount} from your {account_name} account. That's what savings is for! Are you ready to replenish some of it now?"
  • one account multiple transactions: "Last week, you withdrew {transactions_count} times from your {account_name} account, for a total of {total_amount}. That’s what savings are for! Are you ready to replenish some of it now?"
  • multiple accounts: "Last week, you withdrew {transactions_count} times from {accounts_count} of your savings accounts, for a total of {total_amount}. That’s what savings are for! Are you ready to replenish some of it now?"
• call to action:
  • one account one transaction: "Create transfer"
  • one account multiple transactions: "Create transfer"
  • multiple accounts: "Create transfer"
• supporting action:
  • one account one transaction: "View transactions"
  • one account multiple transactions: "View transactions"
  • multiple accounts: "View transactions"

Save An Extra $100

Available in Mini Widget Notification available

This insight informs users if they will have enough on-hand cash balance leftover to save $100 on payday, plus a $100 buffer.

Planned expenses that are expected to occur over the next two days (time frame between current date and payday) will be accounted for when estimating the remaining balance. Planned expenses include scheduled payments for cash accounts set to occur over the next two days. Any recurring transactions not already associated with scheduled payments will also be included, if they are expected to recurr in the next two days.

Example Images

When Does This Generate?

This insight is triggered when a transaction is created with the "paycheck" category for a user in one of their cash accounts and must meet the following requirements to generate:

• The user has one of the following: a checking, savings, or cash account.
• The user has at least $200 total balance remaining across their applicable accounts on payday.
• The insight must generate 2 days before upcoming payday.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Save an extra $100"
• description: "Based on your spending rate, you'll be able to save an extra $100 on payday!"
• call to action: "Make A Transfer"
• supporting action: "Learn more"

Save Enough To Live On

Available in Mini Widget

This insight encourages users to have emergency savings beyond an initial $1000. It suggests how much users need to save in order to cover one, two, or three months of their expenses.

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When Does This Generate?

This insight is triggered quarterly and uses the following calculations:

• total_balance = Savings + Checking accounts balances.
• Calculate ninety_day_spend.
• average_daily_spend = ninety_day_spend / 90.
• Days to live on = total_balance / average_daily_spend.
• Spend average is calculated based on the 90 days prior to the day the insight is created.
• Available funds is based on the savings/checking balances as they were on the day the insight was created.

Customizable Text

This is the default text for this insight. This is all customizable:

• title:
  • sampled: "{duration}"
  • zero state: "No longer relevant"
• description:
  • sampled: "As of {date}, this is your ability to cover expenses if you lost your income and average spending continued."
  • zero state: "Due to changes in the data, the information here is no longer relevant."
• call to action:
  • sampled: "View details"
  • zero state: N/A

Savings Account Balances Summary

Available in Mini Widget

This insight summarizes a user's savings account balances and shows how much they saved in the previous months.

Example Images

When Does This Generate?

This insight is triggered monthly and must meet the following requirements to generate:

• The user must have at least 1 savings account.
• There must be enough transaction data to calculate the amount of savings the user had for the previous two months.
• The insight cannot already exist for the previous month.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Savings account balances summary"
• description:
  • not saved: "It looks like you were not able to add to your savings in {date}. It's tough to save money some months, but you can get back on track this month! Review where you saved in previous months."
  • saved higher: "In {date}, you saved {previous_month_amount_saved}. That is {previous_month_difference} more than you saved in {previous_month} and brings your total savings balance to {current_balance}. Keep it up!"
  • saved lower: "In {date}, you saved {previous_month_amount_saved}. That is {previous_month_difference} less than you saved in {previous_month} but still brings your total savings balance to {current_balance}. Keep it up!"
  • saved same: "In {date}, you saved {previous_month_amount_saved}, the same amount you saved in {previous_month}. This brings your total savings balance to {current_balance}. Keep it up!"
• call to action: "View more"

Savings Account Deposit

Available in Mini Widget

This insight praises users when they save money and lets them know that a little savings can make a big difference. This insight celebrates users when they save. If the Goals Widget is active, this insight encourages users to setup an emergency fund or continue contributing to their emergency fund.

This insight will not generate if any higher-ranking insight has already been generated for the relevant transaction.

Ranking List:

• Tax Deposit
• Government Deposit
• Deposit529
• HSA Deposit
• Payroll Deposit
• Check Deposit
• Large Deposit
• Savings Account Deposit

Example Images

When Does This Generate?

This insight is triggered when a transaction is created which meets the following requirements, or a PENDING transaction which meets the following requirements is updated to a status of POSTED:

• The transaction status must be POSTED.
• The transaction must have a category of TRANSFER.
• The transaction must be a credit.
• The transaction must be in a savings account.
• The transaction must not be a micro-deposit.
• The transaction must not originate from a savings account.
• This insight hasn't generated more than 5 times (this limit is configurable).

Customizable Text

This is the default text for this insight. This is all customizable:

• title:
  • with projected amount: "Savings deposit received"
  • without projected amount: "Savings deposit received"
  • emergency fund supported: "Savings deposit received"
  • emergency fund created: "Savings deposit received"
  • emergency fund deposited: "Emergency savings deposit received"
• description:
  • with projected amount: "You deposited {deposit_amount} in your {localized_account_name} account. Way to go! If you did this every month, you would save {projected_savings_amount} in 12 months.
  • without projected amount: "You deposited {deposit_amount} in your {localized_account_name} account. Way to go!"
  • emergency fund supported: "You deposited {deposit_amount} in your {localized_account_name} account. Way to go! If you haven't already, start an emergency fund to be prepared and protect yourself from the unexpected."
  • emergency fund created: "You deposited {deposit_amount} in your {localized_account_name} account. Way to go! To continue building a financial safety net, remember to contribute to your emergency savings as well."
  • emergency fund deposited: "You deposited {deposit_amount} in your {localized_account_name} account. Way to go! You're building a financial safety net that will empower you to navigate through life's uncertainties with confidence."
• call to action:
  • with projected amount: "View deposit"
  • without projected amount: "View deposit"
  • emergency fund supported: "Start saving for emergencies"
  • emergency fund created: "View my emergency savings"
  • emergency fund deposited: "View my emergency savings"
• supporting action:
  • with projected amount: N/A
  • without projected amount: N/A
  • mergency fund supported: "View deposit"
  • emergency fund created: "View deposit"
  • emergency fund deposited: "View deposit"

Savings Opportunity V2

Available in Mini Widget Notification available

This insight tests a user's projected cash position on a monthly basis and notifies the user when extra cash may be available for savings.

Example Images

When Does This Generate?

This insight triggers weekly and must meet the following requirements to generate:

• The user has one or more checking accounts.
• Account balance data is available for one or more checking accounts as of the day before the insight is generated and for the same date in the prior month.
• There hasn't been a savings deposit/transfer within savings_deposit_lookback_days in the client insight profile. That value defaults to 30 days but is customizable at the client level. This excludes interest income.
• No previous Savings Opportunity insight has been created within the "cooldown period", which is determined by savings_opportunity_cooldown_days in the Client Insight Profile. That value defaults to 14 days but is customizable at the client level.
• There is spending transaction history for each of the previous 3 months.
• The amount available for saving is positive.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Safe to save"
• description:
  • savings absent: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Would you like to open a savings account?"
  • savings absent no minimum checking account balance: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Let's get started."
  • specific: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Would you like to create this transfer?"
  • specific no minimum checking account balance: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Let's get started."
  • generic: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Would you like to create this transfer?"
  • generic no minimum checking account balance: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Let's get started."
  • zero state: "Due to changes in the data, the savings information here is no longer relevant."
• call to action:
  • savings absent: "Open savings account"
  • savings absent no minimum checking account balance: "Get started"
  • specific: "Transfer funds"
  • specific no minimum checking account balance: "Get started"
  • generic: "Transfer funds"
  • generic no minimum checking account balance: "Get started"
  • zero state: N/A