Spend

Upcoming Bill

Available in Mini Widget Notification available

This insight alerts a user that in 3 days they have a bill payment due that is not a credit card and is not a subscription.

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When Does This Generate?

This insight triggers when a user's scheduled payment(s) is created/updated and meets the following requirements:

• This insight must not already exist for the scheduled payment.
• The scheduled payment occurs_on date must be in the future.
• The scheduled payment must be for a bill.
• The scheduled payment must not be from the same merchant, on the same day, and for the same amount.

Customizable Text

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

• title: "Projected bill payment"
• description: "We think your {merchant_name} bill will be {amount}, due around {date}. This is based on trends and past transactions."
• call to action: "View bill history"

Bill Amount Not Standard

Available in Mini Widget Notification available

This insight notifies users of a bill payment that's higher or lower than usual. The bars in the graph are dynamic and can contain 3 – 6 bars.

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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:

• For a transaction to be considered a bill transaction, it must meet all of the following requirements:
  • It must have a status of POSTED.
  • It must be a DEBIT transaction.
  • It must be associated with a merchant.
  • It must be in one of the following categories:
    • Bills & Utilities
    • Internet
    • Mobile Phone
    • Utilities
• The user must have at least one historical debit transaction that is for the same merchant and in the same category as the transaction that is triggering this insight.
• The user must have at least 3 transactions in the last 4 months from the same merchant with the same category.

Customizable Text

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

• title:
  • higher: "Bill higher than usual"
  • lower: "Bill lower than usual"
• description:
  • higher: "It looks like your most recent bill from {merchant_name} was higher than it normally is. You paid {current_amount}, which is {percentage_change} higher than your recent average payment of {average_amount}."
  • lower: "It looks like your most recent bill from {merchant_name} was lower than it normally is. You paid {current_amount}, which is {percentage_change} lower than your recent average payment of {average_amount}."
• call to action: "View transactions"

Upcoming Subscription

Available in Mini Widget

This insight shows a user their upcoming subscription three days before payment occurs.

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When Does This Generate?

This insight triggers when a user's scheduled payment(s) is created/updated and meets the following requirements:

• Insight must not already exist for the scheduled payment.
• Scheduled payment occurs_on date must be in the future.
• Scheduled payment must be for a subscription.
• Scheduled payment must not be from the same merchant, on the same day, and for the same amount.

Customizable Text

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

• title: "Upcoming subscription"
• description: "You have what looks like an upcoming subscription payment of {amount} due {date} to {merchant_name}."
• call to action: N/A
• supporting action: "View transactions"

Monthly Obligations Status

Available in Mini Widget

This insight informs users if they are on track/off track to pay off their monthly obligations.

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When Does This Generate?

This insight is updated twice a month: on the 15th and one week before the end of the month. It must meet the following requirements:

• The insight must not already exist for the previous month.
• The user must have a checking, savings, or cash account.
• Upcoming expenses should be a positive number.

Customizable Text

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

• title:
  • On track: "You're on track!"
  • Off track: "You're off track!"
• description:
  • On track: "You will have {calculated amount} left over with your current estimated income and expenses planned for this month are paid."
  • Off track: "You will have {calculated amount} left over after paying your planned expenses this month. Consider making a transfer."
• call to action:
  • On track: "View details"
  • Off track: "Make a transfer"
• supporting action: "View details"

Subscription Detected

Available in Mini Widget

This insight notifies users of a subscription in one of their accounts that has not been identified before for this user.

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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:

• The transaction status must be POSTED.
• The transaction is associated with a scheduled payment.
• The transaction is a debit.
• The transaction is associated with a merchant.
• The scheduled payment has scheduled_payment_type set to 1.
• We are unable to find a previously created transaction for the same scheduled payment. We look as far as 13 months ago for a matching transaction.

Customizable Text

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

• title: "Subscription detected"
• description:
  • with annual amount: "We found what we think is a new subscription to {merchant_name} for {annual_subscription_amount_sum} per year."
  • without annual amount: "We found what we think is a new subscription that we haven't seen before. It's from {merchant_name}."
• call to action: "Does that look right?" This is not customizable.
• supporting action: "View details"

Subscription Price Increase

Available in Mini Widget

This insight notifies users that a subscription has increased.

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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:

• Two transactions are required in order for a Subscription Price Increase insight to be generated:
  • The first transaction is the transaction that is being created.
  • The second transaction is the previous transaction associated with the subscription. The search range for this transaction starts one second before the date time of the first transaction and goes back 13 months.
• Both of these transactions must be:
  • Assigned to the same merchant (merchant_guid).
  • Assigned to the same scheduled payment (scheduled_payment_guid)
• The difference in the amount of the two transactions must be over 50 cents ($0.50).
• The type of the assigned scheduled payment must be SUBSCRIPTION.

Customizable Text

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

• title: "Price increase"
• description: "{merchant_name} charged you {increase_amount} more this month than normal. Did you upgrade your service?"

Unexpected Subscription Payment

Available in Mini Widget

This insight notifies users when a transaction is created that contradicts the user feedback on an associated scheduled payment.

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When Does This Generate?

This insight triggers when a transaction is created that meets the following requirements:

• Transaction must be DEBIT.
• Transaction must have an associated scheduled payment.
• No insight must exist for the account and scheduled payment associated with the Transaction.
• The associated scheduled payment must have a user response of NEVER_SUBSCRIBED, CANCELLED or ONE_TIME_PURCHASE.
• The transaction must have a merchant_guid.
• The transaction must match the merchant_guid, and account_guid of the associated scheduled payment.
• The transaction amount and the scheduled payment amount must fall within the following threshold of each other: (scheduled_payments.amount) = ABS(transaction.amount) +- ABS(scheduled_payments.amount) * 0.2.

Customizable Text

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

• user response:
  • never subscribed: "never subscribed"
  • cancelled: "cancelled"
  • one time purchase: "one time purchase"
• title: "Unexpected charge"
• description: "On {date}, {merchant_name} charged you {amount} for a subscription that you marked as {user_response} on {user_response_set_at}. We recommend you check your {merchant_name} subscription status, and then confirm it here."
• call to action: "Update subscription status"
• supporting action: "View transaction"

Monthly Subscription Aggregate V2

Available in Mini Widget Notification available

This insight identifies all subscriptions paid by a user in the prior month.

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When Does This Generate?

This insight is triggered monthly. A transaction must meet the following requirements to generate:

• A scheduled payment is considered a subscription when the scheduled_payment_type field is set to 1.
• A transaction is considered a subscription transaction when it is associated to a subscription scheduled payment.
• This insight aggregates all of a user's subscription scheduled payments and then finds all visible transactions associated to the scheduled payments for the previous month.

Customizable Text

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

• not sampled:
  • title: "Subscriptions summary for {date}"
  • description: N/A
  • call to action: N/A
  • supporting action: N/A
• sampled:
  • title: "Subscriptions summary for {date}"
  • description:
    • zero: "Due to changes in the date, the information here is no longer relevant."
    • one: "In {date}, you paid for subscriptions from one merchant, which cost {amount_sum}. Make sure to cancel any unwanted subscriptions."
    • other: "In {date}, you paid for subscriptions from {count} merchants, totaling {amount_sum}. Make sure to cancel any unwanted subscriptions."
• call to action:
  • zero: N/A
  • one: "View subscription"
  • other: "View all subscriptions"

Account Discoverability Change

This insight informs users when new accounts are connected or unhidden, as well as when existing accounts are disconnected and hidden.

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When Does This Generate?

This insight triggers when a user:

• Connects, disconnects, or restores a connection an account.
• Hides or unhides an account.

Customizable Text

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

• connecting:
  • title:
    • one: "Account connected"
    • other: "Accounts connected"
  • description:
    • one: "Going forward, your {account_names} account will now be used in the creation of your insights."
    • other: "Going forward, your {account_names} accounts will now be used in the creation of your insights."
• disconnecting:
  • title:
    • one: "Account disconnected"
    • other: "Accounts disconnected"
  • description:
    • one: "Going forward, your {account_names} account will no longer be used in the creation of your insights."
    • other: "Going forward, your {account_names} accounts will no longer be used in the creation of your insights."

Discovered Accounts

Available in Mini Widget Notification available

This insight identifies discovered accounts from the user’s held account data and suggests they connect the discovered account.

Dependencies

This insight is only available if you're using our PFM or Mobile product.

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When Does This Generate?

This insight must meet the following requirements to generate:

• The transaction category is Credit Card Payment.
• No accounts from the discovered institution have already been aggregated.
• No insight exists for the discovered institution.

Customizable Text

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

• accounts available
  • title: "Connect all your accounts"
  • description: "We found account(s) at {discovered_institution_name}, that you can connect to get a complete view of your finances."
  • call to action: "Connect accounts"
  • supporting action: "Learn more"
  • short title: "Connect all accounts"
  • mini title: "Connect all your accounts"
  • mini description: "We found account(s) at {discovered_institution_name}, that you can connect to get a complete view of your finances."
  • mini call to action: "Learn more"
  • micro title: "Connect all your accounts"
  • micro description: "Connect {discovered_institution_name} to get a complete view of your finances."
  • micro call to action: "Learn more"
• aggregation complete
  • title: "Connect all your accounts"
  • description: "You have successfully connected your institution {discovered_institution_name}."
  • call to action: "Add another connection"
  • supporting action: "I don't have any"
  • mini title: "Connect all your accounts"
  • mini description: "You have successfully connected your institution {discovered_institution_name}."
  • mini call to action: "Learn more"
  • micro title: "Connect all your accounts"
  • micro description: "You have successfully connected your institution{discovered_institution_name}."
  • micro call to action: "Learn more"
• zero state
  • title: "Connect all your accounts"
  • description: "Connect accounts outside of {held_institution_name} to easily track spending and savings across all your accounts."
  • call to action: "Connect accounts"
  • supporting action: "I don't have any"
  • mini title: "Connect all your accounts"
  • mini description: "Connect accounts outside of {held_institution_name} to easily track spending and savings across all your accounts."
  • mini call to action: "Learn more"
  • micro description: "Link all your financial accounts to monitor and track spending and savings."
  • micro call to action: "Learn more"

Cash Back

Available in Mini Widget

This insight notifies users that MX has identified this transaction on one of their accounts.

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When Does This Generate?

This insight triggers when a transaction is created that:

• Has the CREDIT transaction type.
• Has the BONUS transaction category.

Customizable Text

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

• title: "You got some money!"
• description: "A reward of {amount} was deposited to your {localized_account_name} account."
• call to action: "View transaction"

Charge Dispute Refund

Available in Mini Widget

This insight notifies users that they've received a credit related to a charge dispute.

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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:

• The transaction status must be POSTED.
• The transaction must be a CREDIT.
• The system_transaction_rule_guid is set to one of the following:
  • Final dispute
  • Permanent dispute
  • Permanent credit on dispute
• The transaction must be held in an account with type CHECKING, SAVINGS, or CREDIT_CARD.

Customizable Text

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

• title: "Disputed charge refunded"
• description: "On {date}, your {localized_account_name} account was credited {transaction_amount} for a transaction that was disputed recently."
• call to action: "View transaction"

Check Deposit

Available in Mini Widget

This insight notifies users that MX has identified a check deposit transaction in one of their accounts.

Dependencies

Only enable this insight if you aren't using the Unified Deposit insight. Enabling both will generate duplicate insights.

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 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 type must be CREDIT.
• The transaction must be in the INCOME category.
• The transaction must include "check deposit" or "mobile deposit" in the feed description; the case does not matter.
• The transaction must be held in either a checking or savings account.

Customizable Text

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

• title: "Check deposit"
• description: "You received a check deposit in the amount of {transaction_amount}."

Government Deposit

Available in Mini Widget

This insight notifies users of a deposit classified as government income.

Dependencies

Only enable this insight if you aren't using the Unified Deposit insight. Enabling both will generate duplicate insights.

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 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:

• A transaction must meet all the following conditions for a Government Deposit insight to generate:
  • The transaction status must be POSTED.
  • The transaction classifications include is_government_deposit.
  • The deposit amount is equal to or above the default threshold value of $500.
  • The transaction must be held in an account with type CHECKING or SAVINGS.
• Limited to five insights each week.

Customizable Text

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

• title: "Government deposit received"
• description: "A government deposit of {transaction_amount} was received into your {localized_account_name} account."

Large Deposit

Available in Mini Widget Notification available

This insight notifies users that MX has identified a large deposit in one of their accounts.

Dependencies

Only enable this insight if you aren't using the Unified Deposit insight. Enabling both will generate duplicate insights.

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 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 type must be CREDIT.
• The transaction category must not be Transfer.
• The transaction must have an amount greater or equal to a dynamically adjusted threshold (client-configurable default: $500)
• The transaction must be held in an account with type CHECKING or SAVINGS.

Customizable Text

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

• title: "{transaction_amount} deposit received"
• description: "A deposit of {transaction_amount} was received into your {localized_account_name} account."

Merchant Credit Received

This insight notifies users when a merchant credit reaches their account.

Dependencies

Only enable this insight if you aren't using the Unified Deposit insight. Enabling both will generate duplicate insights.

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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:

• There's a credit transaction with a valid merchant.
• The merchant must be present and not a known financial institution.
• Is in a spending top-level category or a purchase return.
• The category isn't for insurance:
  • Auto Insurance
  • Health Insurance
  • Home Insurance
  • Life Insurance
    • unless the feed_description is one of the following:
      • Auto Ins Refund
      • Auto Insurance Refund
      • Credit Voucher
      • Payment Refund
      • Pmt Refund
• is_gig_income is false.
• Is not classified as a fee.

Customizable Text

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

• title: "Large transaction"
• description:
  • no merchant: "We detected a large transaction for {amount} in your {localized_account_name} account on {date}."
  • with merchant: "We detected a large transaction from {merchant_name} for {amount} in your {localized_account_name} account on {date}."
• call to action: "View transaction"

Payroll Deposit

Available in Mini Widget

This insight notifies users of a deposit classified as a paycheck/payroll.

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

Dependencies

Only enable this insight if you aren't using the Unified Deposit insight. Enabling both will generate duplicate insights.

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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:

• A transaction must meet all of the following conditions to be generate:
  • The transaction status must be POSTED.
  • The transaction category must be "Paycheck".
  • The transaction type must be "Credit".
  • The deposit account type must be Checking or Savings.
• Limited to five insights each week.

Customizable Text

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

• title: "Payroll deposited"
• description: "It looks like you received a payroll deposit of {amount} on {date}."

Unified Deposit

Available in Mini Widget Notification available

This insight notifies users of deposits that fall into any one of the following categories:

• Tax deposit
• Government deposit
• Payroll advance
• Payroll deposit
• Check deposit
• Credit received from a merchant
• Large deposit

The insight adapts automatically if the deposit type changes (e.g., reclassified from a vendor credit to payroll), or disappears if the deposit no longer qualifies.

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When does this generate?

The insight is generated when there is a transaction with a posted status and credit type in a CHECKING or SAVINGS account.

The insight copy changes based on the transaction category. Transactions are categorized based on the following criteria:

Category	Transaction Requirements
Tax deposit	Must have a top-level category of taxes
Government deposit	Classifications must include is_government_deposit and the deposit must be equal to or above the client-configurable threshold value of $500
Payroll advance	Must be classified as is_payroll_advance
Payroll deposit	Category must be payroll
Check deposit	Category must be income and the feed description must include "check deposit" or "mobile deposit"
Merchant credit received	Must be matched to a valid merchant and be in a spending or purchase return category. Must not be from a known financial institution, classified as is_gig_income or fee, or for insurance (unless the feed_description is "Auto Ins Refund," "Auto Insurance Refund," "Credit Voucher," "Payment Refund," or "Pmt Refund")
Large deposit	Amount is greater or equal to a dynamically adjusted threshold (client-configurable default: $500). Must not be classified as transfer

Customizable Text

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

• Not sampled:
  • title: "Deposit received"
  • description: N/A
  • call to action: N/A
• Check deposit:
  • title: "Check deposit"
  • description: "On {transaction_date}, a {transaction_amount} check deposit was received in your {localized_account_name} account."
  • call to action: "View details"
• Government deposit:
  • title: "Government deposit received"
  • description: "On {transaction_date}, a {transaction_amount} government deposit was received in your {localized_account_name} account."
  • call to action: "View details"
• Large deposit:
  • title: "{transaction_amount} deposit received"
  • description: "On {transaction_date}, a {transaction_amount} deposit was received in your {localized_account_name} account."
  • call to action: "View details"
• Merchant credit received:
  • title: "Merchant credit received"
  • description: "A credit of {amount} from {merchant_name} has been added to your {localized_account_name}."
  • call to action: "View details"
• Payroll advance:
  • title: "Payroll advance"
  • description: "On {transaction_date}, a {transaction_amount} payroll advance was received in your {localized_account_name} account."
  • call to action: "View details"
• Payroll deposit:
  • title: "Payroll deposited"
  • description: "On {transaction_date}, a {transaction_amount} payroll deposit was received in your {localized_account_name} account."
  • call to action: "View details"
• Tax deposit:
  • title: "Tax deposit"
  • description: "On {transaction_date}, a {transaction_amount} tax deposit was received in your {localized_account_name} account."
  • call to action: "View details"
• Zero state:
  • title: "Deposit received"
  • description: "A deposit was previously received, but because of changes no further information is available."
  • call to action: N/A

Monthly Deposit Summary V2

Available in Mini Widget

This insight tracks all credits coming into a user's accounts and provides a breakdown of what is regular income and other income.

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When Does This Generate?

This insight triggers monthly and must meet the following requirements:

• A credit transaction is considered income if the top level category is set to Income.
• This insight must not already exist for the previous month.
• The user must have at least one or more accounts the previous month. The account(s) must be a savings or checking account.
• The user must have at least one or more transactions the previous month.
• Transactions must be of type credit.
• Transactions must not be any of the following top level categories:
  • Fees & Charges
  • Financial
  • Investments
  • Transfer
  • Uncategorized

Customizable Text

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

• title: "{prior_month}'s deposits"
• description:
  • zero deposits: "In {prior_month}, you had no deposits."
  • one deposit: "In {prior_month}, you deposited {total_amount} into your {account_name} account. Nice work!"
  • other: "In {prior_month}, you deposited {total_amount} into {count} accounts. Nice work!"
• call to action:
  • zero deposits: N/A
  • one deposit: "View deposits"
  • other: "View deposits"

Credit Card Close to Limit

Available in Mini Widget Notification available

This insight notifies users that they have reached 75%, or a custom percentage, of their credit card spending limit.

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When Does This Generate?

This insight triggers whenever an account is updated that meets the following requirements:

• The user has one or more credit card accounts.
• One or more accounts has hit or passed a user configurable percentage (defaults to 75%).

Customizable Text

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

• title: "Nearing credit limit"
• description: "You are {amount_remaining} away from reaching your {localized_account_name} credit limit. If possible, pay down your balance or avoid using this card."
• call to action: "View more"

Duplicate Payment V2

Available in Mini Widget Notification available

This insight alerts users when a possible duplicate payment is detected. When there's a new transaction, we check for transactions that have the same date, amount, and merchant.

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When Does This Generate?

This insight generates if at least two transactions have either:

• The same amount and merchant_guid.
• The same amount and description but no merchant_guid.

Also, the transactions must be debit transactions posted under the same account and have dates (transacted or posted dates) that are no more than 15 minutes apart. Account type should be either CHECKING or CREDIT_CARD.

Customizable Text

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

• title: "Duplicate payment detected"
• description:
  • with merchant: "It looks like you may have a duplicate charge of {amount} to {merchant_name} on {date}."
  • without merchant: "It looks like you may have a duplicate charge of {amount} on {date}."
• call to action: "View transactions"

Fee Detected

Available in Mini Widget Notification available

An insight to help users identify fees that are charged to their account.

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When Does This Generate?

This insight triggers when a transaction is created which meets the following requirements:

• Transaction is DEBIT.
• Occurs in one of the following categories:
  • Fees & Charges
  • ATM Fee
  • Bank Fee
  • Finance Charge
  • Late Fee
  • Service Fee`
• Limit to 5 insights each week

Customizable Text

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

• title: "New fee detected"
• description:
  • with merchant: "{merchant_name} charged you {amount}. It’s a good idea to ensure charges are correct and, if needed, make adjustments to avoid fees."
  • no merchant: "You were charged {amount} for {localized_description}. It’s a good idea to ensure charges are correct and, if needed, make adjustments to avoid fees."
• call to action: "View charge"

Green Statement Fee

Available in Mini Widget

This insight shows a recent paper statement fee and reminds users that they can save money—and the planet—by opting out of paper statements.

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When Does This Generate?

This insight is triggered every time a transaction with the following attributes occurs, until the limit of 5 per week is met:

• Transaction has the DEBIT type.
• Category must have top_level_category_name : Fees & Charges.

Customizable Text

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

• Internal account:
  • title: "Paper statement fee"
  • description: "On {date}, your {account_name} account was charged {amount} for a paper statement. Consider switching to paperless to save on this fee."
  • call to action: "Switch to paperless"
  • supporting action: "View transaction"
• External account:
  • title: "Paper statement fee"
  • description: "On {date}, your {account_name} account was charged {amount} for a paper statement. Consider switching to paperless to save on this fee."
  • call to action: "View transaction"
  • supporting action: N/A
• Zero state:
  • title: "No longer relevant"
  • description: "Due to changes in the data, the information here is no longer relevant."
  • call to action: N/A
  • supporting action: N/A

Large Transaction

Available in Mini Widget Notification available

This insight notifies the user of larger-than-normal transactions.

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When Does This Generate?

This insight is triggered when a transaction is created which meets the following requirements:

• The amount is greater than a default threshold of $500, or by a configured amount.
• Debit only transactions.
• Only spend account types (Checking, Savings, Credit Card).
• Occurs in one of the following categories:
  • Auto & Transport (not auto payments or auto insurance)
  • Bills & Utilities
  • Business Services
  • Education (not student loans)
  • Entertainment
  • Food & Dining
  • Health & Fitness
  • Home (not mortgage or home insurance)
  • Kids
  • Personal Care
  • Pets
  • Shopping
  • Travel
  • Uncategorized
• Transaction hasn't been triggered in another insight already.

Customizable Text

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

• title: "Large transaction"
• description:
  • no merchant: "We detected a large transaction for {amount} in your {localized_account_name} account on {date}."
  • with merchant: "We detected a large transaction from {merchant_name} for {amount} in your {localized_account_name} account on {date}."
• call to action: "View transaction"

Transparent Overdraft

Available in Mini Widget

This insight warn users of a possible overdraft projected within the next seven days.

Example Images

When Does This Generate?

This insight is triggered when the following requirements are met:

• The user has at least one checking account.
• Account balance information is available for the account in question for the current date and each day for one month prior.
• An Overdraft Prediction must exist with a prediction value of true.
• The user can't already have a transparent overdraft warning insight for a given account that was active within the last 7 days.

Customizable Text

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

• title: "Overdraft warning"
• description: "You are projected to overdraft your {localized_account_name} account by {projected_overdraft_amount} in the next seven days, but there's still time to move money around."
• call to action: "Transfer funds"
• supporting action: "Learn more"

Low Account Balance

Available in Mini Widget Notification available

This insight notifies users when an account balance falls below a certain threshold. Users can change the threshold within the insight, transfer funds, and view transactions related to the account.

Example Images

When Does This Generate?

This insight is triggered when an account balance falls below a default threshold of $100 (configurable) and the account has not triggered a previous Low Account Balance insight within 15 days.

Customizable Text

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

• title: "Low balance alert"
• description: "On {date}, your {localized_account_name} account balance fell below {threshold}."
• description call to action: "View transactions"
• call to action: "Transfer funds"
• supporting action: "Edit alert settings"

Microdeposits

Available in Mini Widget

This insight alerts users when microdeposits have reached their account. Microdeposits are usually less than $1 and are made to verify that accounts receiving the transaction are actually the accounts the sender intended to reach.

Example Images

When Does This Generate?

This insight triggers when:

• There are two transactions that:
  • Have the is_micro_deposit classifier.
  • Have the same merchant_guid.
  • Have the same description.
  • Are in a deposit account.
• The transactions must be credit transactions posted under the same account and must have occurred within 24 hours of each other. Account type should be either CHECKING or SAVINGS.

Customizable Text

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

• title: "Micro-deposits detected"
• description: "On {date} we noticed 2 small amounts added to {localized_account_name} that look like micro-deposits. This may be connected to an action you took to verify your account, so check that you recognize the sender."
• call to action: "View deposits"

New Merchant

Available in Mini Widget

This insight informs users when they have new transactions with a merchant that they haven't shopped with for at least a year.

Example Images

When Does This Generate?

This insight triggers when the following requirements are met:

• The user does not have a transaction from the merchant within the last 15 months.
• The user has at least 30 transactions within the last 130 days.
• The transaction amount is greater or equal to 50.00.
• The transaction is not older than 5 days.
• The transaction is from an account that was created more than 1 day ago.
• The transaction is a debit.
• The merchant is not “Venmo”.
• The transaction top level category is one of the following categories:
  • Auto & Transport
  • Business Services
  • Entertainment
  • Education
  • Food & Dining
  • Gifts & Donations
  • Health & Fitness
  • Home
  • Kids
  • Personal Care
  • Pets
  • Shopping
  • Travel
  • Uncategorized

Customizable Text

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

• title: "Purchase for review"
• description: "We noticed that you have never shopped here or haven't shopped here for at least a year. If you don't recognize this purchase, it may be fraudulent, and we recommend reaching out to the associated financial institution right away."
• call to action: "View transaction"

Uncategorized Transactions V2

Available in Mini Widget Notification available

This insight identifies all transactions which have been assigned 'Uncategorized' as the transaction category within the last 30 days.

Example Images

When Does This Generate?

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

• The user must have at least one transaction that is uncategorized within the last 30 days.
• No previous Uncategorized Transactions V2 insight has been created within the last 15 days (this number of days is configurable).

Customizable Text

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

• title: "Uncategorized transactions"
• description:
  • zero: "You categorized all your recent transactions. Nice job!"
  • one: "Let's categorize this transaction. Doing so will help us provide you with more accurate and holistic insights on your finances."
  • other: "Let's categorize these transactions. Doing so will help us provide you with more accurate and holistic insights on your finances."
• call to action:
  • zero: N/A
  • one: "View transaction"
  • other: "View transactions"

Green Gas Purchases Summary

Available in Mini Widget

This insight informs users of how often they're visiting the gas pump.

Example Images

When Does This Generate?

This insight is triggered monthly and requires a user to have at least 8 spending transactions in the last 7 months in the gas category, 2 transactions in the described month, and 6 transactions in the prior 6 months.

Customizable Text

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

• higher than normal:
  • title: "Your visits to the pump"
  • description: "In {month_name}, you spent {total_debt_for_fill_up_visits_in_prev_month} on {total_fill_up_visits} visits to the gas pump, which is more frequent than usual. Check out these tips to help you use less gas."
  • call to action: "View history"
  • supporting action: "Tips on how to save"
• lower than normal:
  • title: "Your visits to the pump"
  • description: "In {month_name}, you spent {total_debt_for_fill_up_visits_in_prev_month} on {total_fill_up_visits} visits to the gas pump, which is less frequent than usual."
  • call to action: "View history"
  • supporting action: "Tips on how to save"
• no change:
  • title: "Your visits to the pump"
  • description: "In {month_name}, you spent {total_debt_for_fill_up_visits_in_prev_month} on {total_fill_up_visits} visits to the gas pump, which is normal for you"
  • call to action: "View history"
  • supporting action: "Tips on how to save"
• zero state:
  • title: "Your visits to the pump"
  • description: "Due to changes in the data, the information here is no longer relevant."
  • call to action: N/A
  • supporting action: N/A

Weekend Spending Summary V2

Available in Mini Widget Notification available

This insight provides users with a summary of total non-essential expenses from the previous weekend, grouped by category with total amount spent.

Example Images

When Does This Generate?

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

• Some Checking/Credit Card non-essential spending transaction data must be available for the most recent completed weekend. If the insight is generated on a weekend (Saturday or Sunday), then the previous weekend will be used.
• The insight must not have been generated for the prior weekend.

A transaction is considered non-essential spending where one of the following conditions are met:

• Condition 1:
  • Top level category is one of the following:
    • Entertainment
    • Food And Dining
    • Gifts And Donations
    • Home
    • Personal Care
    • Shopping
    • Travel
  • And category is not one of the following:
    • Groceries
    • Mortgage And Rent
    • Home Insurance
    • Laundry
• Condition 2:
  • Category is one of the following:
    • Kids Activities
    • Pet Grooming
    • Sports
    • Television
    • Toys
    • Transfer For Cash Spending
• Condition 3: Transaction is uncategorized.

Customizable Text

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

• title: "Weekend spending summary"
• description:
  • zero: "Due to changes in the data, the spending information here is no longer relevant."
  • one: "You spent {total_spending} last weekend in these non-essential categories."
  • other: "You spent {total_spending} last weekend in these non-essential categories."
• call to action:
  • zero: N/A
  • one: "View weekend information"
  • other: "View weekend information"
• supporting action: "Learn more"

Weekly New Merchants V2

Available in Mini Widget Notification available

This insight notifies users that MX has identified one or more new merchants they have previously not interacted with during the previous week.

Example Images

When Does This Generate?

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

• A merchant is considered a new merchant when all of the following are true:
  • The user does not have a transaction from the merchant within the last fifteen months.
  • The transaction is a debit.
  • The transaction occurred within the previous week. A week starts on Monday and ends on Sunday.
  • The merchant is not "Venmo."
  • The transaction is from an account that was created more than one day ago.
  • The transaction top level category is one of the following categories:
    • Auto & Transport
    • Business Services
    • Entertainment
    • Education
    • Food & Dining
    • Gifts & Donations
    • Health & Fitness
    • Home
    • Kids
    • Personal Care
    • Pets
    • Shopping
    • Travel
    • Uncategorized
  • The transaction category is not one of the following:
    • Auto Payment
    • Student Loan
    • Health Insurance
    • Mortgage & Rent
    • Cash
    • Check
• If there is only one new merchant transaction and a New Merchant insight has already been generated for it, the Weekly New Merchants insight will not be generated.

Customizable Text

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

• title:
  • one: "Purchase for review"
  • other: "Purchases for review"
• description:
  • one: "You had 1 transaction last week at a business we haven't seen you shop at for the last year. If you don't recognize this purchase, reach out to the associated financial institution right away."
  • other: "You had {count} transactions last week at businesses we haven't seen you shop at for the last year. If you don't recognize these purchases, reach out to the associated financial institutions right away."
• call to action:
  • one: "View transaction"
  • other: "View transactions"
• zero state:
  • title: "Purchases for review"
  • description: "Due to changes in the data, the information here is no longer relevant."

Weekly No Spend Days

Available in Mini Widget

This insight informs users of the days in the past week where they had $0 in non-essential spending to positively reinforce that behavior.

Example Images

When Does This Generate?

This insight triggers when one or more no spend days are detected in a week.

"Spending Days" are defined by two scenarios:

• A transaction has a top level category of Entertainment, Food & Dining, Gifts & Donations, Home, Personal Care, Shopping, or Travel, and its category does not include Groceries, Mortgage & Rent, Home Insurance, or Laundry.
• A transaction has a category of Allowance, Domain Names, Financial Advisor, Fraud Protection, Gym, Hosting, Kids Activities, Pet Grooming, Sports, Television, Toys, or Transfer for Cash Spending.

Customizable Text

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

• title: "No spend days"
• description:
  • zero state scenario: "We currently show there were no days without spending, last week."
  • first scenario: "Last week, you had 7 days with no purchases! That is a rare accomplishment. Nicely done!"
  • second scenario: "Last week, you had {total_no_spend_days} days with no purchases! That is a rare accomplishment. Nicely done!"
  • third scenario: "Last week, you had {total_no_spend_days} days with no purchases! Way to go!"
  • fourth scenario: "Last week, you had 1 day with no purchases! See if you can bump that up to two days, this week."
  • second scenario spending plan enabled: "Last week, you had {total_no_spend_days} days with no purchases! That is a rare accomplishment. Nicely done!"
  • third scenario spending plan enabled: "Last week, you had {total_no_spend_days} days with no purchases! Way to go!"
  • fourth scenario spending plan enabled: "Last week, you had 1 day with no purchases! See if you can bump that up to two days, this week."
• call to action:
  • zero state scenario: "View more"
  • first scenario: N/A
  • second scenario: "View more"
  • third scenario: "View more"
  • fourth scenario: "View more"
  • second scenario spending plan enabled: "Visit Spending Plan"
  • third scenario spending plan enabled: "Visit Spending Plan"
  • fourth scenario spending plan enabled: "Visit Spending Plan"

Weekly Small Purchases Summary

Available in Mini Widget

This insight notifies users that they've made a large number of small purchases within the previous week.

Example Images

When Does This Generate?

This insight triggers weekly and must meet the following requirements:

• Total of small purchase amounts from the previous week must be at least as high as the Small Purchases Total Threshold set on the client's insight profile (default value is $30).
• A transaction is considered a small purchase when:
  • The amount is less than the Small Purchase Ceiling Amount configured by the client (default value is $10).
  • It's a Debit transaction.
  • It comes from a Savings, Checking or Credit Card account.
  • The top level category is one of the following:
    • Auto & Transport
    • Bills & Utilities
    • Business Services
    • Education
    • Entertainment
    • Fees & Charges
    • Financial
    • Food & Dining
    • Gifts & Donations
    • Health & Fitness
    • Home
    • Kids
    • Personal Care
    • Pets
    • Shopping
    • Travel
    • Uncategorized
  • The category is not one of the following:
    • Auto Insurance
    • Auto Payment
    • Babysitter & Daycare
    • Baby Supplies
    • Child Support
    • Doctor
    • Groceries
    • Health Insurance
    • Mortgage & Rent
    • Utilities

Customizable Text

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

• title: "Small purchases"
• description:
  • above threshold: "Last week, you had {count} transactions that were less than {small_purchase_ceiling_amount}, for a total of {total_amount}. Small purchases add up quickly!"
  • below threshold:
    • zero: "You had no purchases under {small_purchase_ceiling_amount} last week."
    • one: "You had one purchase under {small_purchase_ceiling_amount} last week."
    • other: "You had {count} purchases under {small_purchase_ceiling_amount} last week."
• call to action:
  • above threshold: "View small purchases"
  • below threshold:
    • zero: N/A
    • one: "View small purchase"
    • other: "View small purchases"

Weekly Spending Plan Summary

This insight gives users a weekly summary of their spending plan. It informs them of the percentage of their total spending for a given plan, the number of days remaining in the spending plan period, and how much budgeted spending they have remaining.

Example Images

When Does This Generate?

This insight triggers weekly and must meet the following requirements:

• The user has no Weekly Spending Plan Summary insights in the last week.
• The user has a spending plan iteration that matches the following criteria:
  • It has non-nil values for start_on and end_on.
  • It has a positive number of days remaining.
• The spending plan has at least one iteration item that match the following criteria.
  • planned_amount is present.
  • actual_amount is present
  • item_type is PLANNED_EXPENSE.
• The sum of the planned_amount of each iteration item is positive.

Customizable Text

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

• Zero state:
  • title: "No longer relevant"
  • description: "Due to changes in the data, the information here is no longer relevant."
  • micro title: "Your total spending budget"
  • micro description: "Due to changes in the data, the information here is no longer relevant."
  • micro call to action: "Learn more"
• Budget exceeded:
  • title: "Review your budgets"
  • description: "You are {budget_overage} over the {total_budgeted} budgeted for the month."
  • micro title: "Your total spending budget"
  • micro description: "You are {budget_overage} over the {total_budgeted} overall spending budget for the month."
  • micro call to action: "Learn more"
  • call to action: "View budgets"
• Budget not exceeded:
  • title: "Review your budgets"
  • description: "You have spent {percentage_spent} of your budgets. You have {remaining_budget_amount} left with {days_remaining_in_iteration} days remaining in the month."
  • micro title: "Your total spending budget"
  • micro description: "You’ve spent {percentage_spent} of your overall spending budget with {days_remaining_in_iteration} days left in the month."
  • micro call to action: "Learn more"
  • call to action: "View budgets"

Monthly Non-Essential Category Summary V2

Available in Mini Widget

This insight tracks all credits coming into a user's accounts and provides a break down of what is regular income and other income.

Example Images

When Does This Generate?

This insight triggers monthly and must meet the following requirements:

• Insight must not already exist for the previous month.
• User must have at least one spending transaction for the previous month.
• Total amount spent must be greater than 0.
• Both non-essential and essential amounts spent can't be negative.

Customizable Text

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

• high:
  • title: "Non-essential category summary"
  • description: "Out of {total_amount} you spent in {prior_month}, {non_essential_percentage} was spent on non-essential items. Try spending 30% or less on non-essentials."
  • call to action: "View transactions"
• low:
  • title: "Non-essential category summary"
  • description: "Out of {total_amount} you spent in {prior_month}, only {non_essential_percentage} was spent on non-essential items, good job!"
  • call to action: "View transactions"
• zero state:
  • without data:
    • title: "No longer relevant"
    • description: "Due to changes in the data, the spending information here is no longer relevant."
  • with data:
    • title: "Non-essential category summary"
    • description: "It looks like you don't have any non-essential spending this month. You may want to double check how these transactions are categorized."
    • call to action: "View transactions"

Monthly Spend Comparison V2

Available in Mini Widget Notification available

This insight provides users with a summary of total expenses in the previous month, together with a comparison of those total expenses against the average for prior months.

Example Images

When Does This Generate?

This insight triggers monthly and needs historical transaction data to be available for at least the two previous months.

Customizable Text

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

• not sampled:
  • title: "Monthly spend comparison"
  • description: N/A
  • call to action: N/A
• higher:
  • title: "Monthly spend comparison"
  • description: "You spent {amount_sum} in {prior_month}, which was {absolute_difference} higher than your recent average."
  • call to action: "View transactions"
• lower:
  • title: "Monthly spend comparison"
  • description: "You spent {amount_sum} in {prior_month}, which was {absolute_difference} lower than your recent average."
  • call to action: "View transactions"
• same:
  • title: "Monthly spend comparison"
  • description: "You spent {amount_sum} in {prior_month}, which was about the same as your recent average."
  • call to action: "View transactions"

Monthly Spend To Income Comparison V2

Available in Mini Widget Notification available

This insight shows a user their income to spend comparison for the last four months.

Example Images

When Does This Generate?

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

• This insight must not already exist for the previous month.
• The user must have at least 1 Checkings or Savings account.
• The user must have at least 2 months in the previous 4 months with transactions in Checkings or Savings account(s).
• The user must have transactions for the previous month in Checkings or Savings account(s).

Customizable Text

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

• title: "Spend vs. income"
• description:
  • positive: "In {last_month}, you spent {income_to_spending_percentage} of your income, or {income_to_spending_difference} less than you made. Way to go!"
  • negative: "In {last_month}, you spent {income_to_spending_percentage} of your income or {income_to_spending_difference} more than you made. Try to spend less than you make each month."
  • zero state: "Due to changes in the data, the information here is no longer relevant."
• call to action:
  • positive: "View transactions"
  • negative: "View transactions"
  • zero state: N/A

Monthly Top Merchant Spending V3

Available in Mini Widget Notification available

This insight shows users what merchants they spent the most non-essential money on in the previous month.

Example Images

When Does This Generate?

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

• This insight must not already exist for the previous month.
• The user must have at least one merchant with a positive net total of non-essential spending transactions in the previous month. In the event that a merchant is not available for a transaction, we assume the description is the merchant name.

A transaction is considered non-essential spending where one of the following conditions are met:

• Condition 1:
  • Top level category is one of the following:
    • Entertainment
    • Food And Dining
    • Gifts And Donations
    • Home
    • Personal Care
    • hopping
    • Travel
  • And category is not one of the following:
    • Groceries
    • Mortgage And Rent
    • Home Insurance
    • Laundry
• Condition 2:
  • Category is one of the following:
    • Allowance
    • Domain Names
    • Financial Advisor
    • Fraud Protection
    • Gym
    • Hosting
    • Kids Activities
    • Pet Grooming
    • Sports
    • Television
    • Toys
    • Transfer For Cash Spending

Customizable Text

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

• title:
  • zero: "{prior_month}'s top merchant"
  • one: "{prior_month}'s top merchant"
  • other: "{prior_month}'s top merchants"
• description:
  • zero: "Due to changes in the data, the information here is no longer relevant."
  • one: "This was your top merchant in {prior_month}, where you spent {total}. You can create a budget for well-known merchants to help track your spending."
  • other: "These were your top merchants in {prior_month}, where you spent {total}. You can create a budget for well-known merchants to help track your spending."
• call to action:
  • zero: N/A
  • one: "View transactions"
  • other: "View transactions"

Monthly Top Transacted Merchant

This insight lets users know what merchants they use the most.

Example Images

When Does This Generate?

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

• Must have 3 months of data minimum, 6 months to show trend data.
• Transaction types must be DEBIT.

Customizable Text

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

• title:
  • quiz: "Do you know your most visited merchant?"
  • results: "Your most visited merchants"
  • zero state: "Your most visited merchants"
• description:
  • quiz: "In {prior_month}, you had {transaction_count} spending transactions. Do you know which merchant you had the most transactions with?"
  • results:
    • one: "Your most visited merchant in {prior_month} was {top_transacted_merchant_name} for a total of {top_transacted_merchant_transaction_count} transactions."
    • other: "{top_transacted_merchant_name} was one of your most visited merchants in {prior_month} with a total of {top_transacted_merchant_transaction_count} transactions."
  • zero state: "Due to changes in the data, the information here is no longer relevant."
• call to action:
  • quiz: "Check answer"
  • results: N/A
• supporting action:
  • quiz: "Skip to the results"
  • results: N/A

Quarterly Summary

Available in Mini Widget

This insight redirects users to a summary of information about the their spending and saving habits in the previous quarter.

Example Images

When Does This Generate?

This insight is triggered when a monthly user snapshot is created for the user and must meet the following requirements:

• The user must have a monthly user snapshot available for all three months found in the previous quarter.
• The user must not already have a Quarterly Summary insight for the previous quarter.

Customizable Text

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

• title: "Let's break down the last three months"
• description: "Your most visited merchants, total transactions, and more."

Cost of Living To Income

Available in Mini Widget

This insight notifies users that MX has identified that their spending in one of 5 category types is high compared to their income. An insight can be created for each of these categories: housing, groceries, healthcare, transportation, utilities.

Example Images

When Does This Generate?

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

• The user has at least one income transaction for the previous month.
• The user has at least one expense transaction for the previous month in at least one of the following category types:
  • Mortgage and Rent
  • Mortgage Payment
  • Groceries
  • Auto Payment
  • Auto Insurance
  • Public Transportation
  • Health Insurance
  • Doctor
  • Utilities
• The percentage of expense to income is above the threshold defined for each category type:
  • Housing - 30%
  • Groceries - 15%
  • Healthcare - 10%
  • Transportation - 10%
  • Utilities - 10%

Customizable Text

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

• sampled:
  • zero state:
    • title: N/A
    • description: "Due to changes in the data, the spending information here is no longer relevant."
    • call to action: N/A
  • housing:
    • title: "Housing vs. Income"
    • description: "In {prior_month}, you spent {percentage} of your monthly income on Housing. We recommend you keep this below {suggested_percentage} of your income, if possible."
    • call to action: "View more"
  • groceries:
    • title: "Groceries vs. Income"
    • description: "In {prior_month}, you spent {percentage} of your monthly income on Groceries. We recommend you keep this below {suggested_percentage} of your income, if possible."
    • call to action: "View more"
  • healthcare:
    • title: "Healthcare vs. Income"
    • description: "In {prior_month}, you spent {percentage} of your monthly income on Healthcare. We recommend you keep this below {suggested_percentage} of your income, if possible."
    • call to action: "View more"
  • transportation:
    • title: "Auto & Transport vs. Income"
    • description: "In {prior_month}, you spent {percentage} of your monthly income on Auto & Transport. We recommend you keep this below {suggested_percentage} of your income, if possible."
    • call to action: "View more"
  • utilities:
    • title: "Utilities vs. Income"
    • description: "In {prior_month}, you spent {percentage} of your monthly income on Utilities. We recommend you keep this below {suggested_percentage} of your income, if possible."
    • call to action: "View more"

Payday Cash Left Over Status

This insight informs users if they're on or off track to have money left over when their next paycheck is received.

Planned expenses that are expected to occur over the next seven 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 seven days. Any recurring transactions not already associated with scheduled payments will also be included, if they are expected to recur in the next seven days.

Example Images

When Does This Generate?

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

• A user must have one of the following: a checking, savings, or cash account.
• The insight must generate 7 days before the upcoming payday.

Customizable Text

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

• If the amount is positive:
  • title: "You're on track!"
  • description: "You will have {total_remaining} left over after paying your planned expenses this week with 7 days until your next paycheck."
  • call to action: "View more details"
• If the amount isn't positive:
  • title: "You're off track!"
  • description: "You will have {total_remaining} left over after paying your planned expenses this week with 7 days until your next paycheck. Consider making a transfer."
  • call to action: "Make a transfer"
  • supporting action: "View more details"

Peer-To-Peer Categorization

Available in Mini Widget

This insight identifies all transactions which are person to person within the last 30 days.

Example Images

When Does This Generate?

This insight triggers weekly and must meet the following requirements:

• The user must have at least one transaction that's P2P within the last 30 days.
  • The transaction type is DEBIT.
  • The transaction(s) must be from one of the following merchants OR category:
    • PayPal
    • Apple Pay
    • Square
    • Zelle
    • Venmo
    • Google Pay
    • Cash App
    • Cash
• No previous Peer-To-Peer categorization insight has been created within the last 15 days.

Customizable Text

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

• title:
  • zero: "Recategorize your transfers"
  • one: "Recategorize your transfer"
  • other: "Recategorize your transfers"
• description:
  • zero: "You recategorized all your recent transactions. Nice job!"
  • one: "To keep your insights accurate, please take a moment to recategorize this transfer."
  • other: "To keep your insights accurate, please take a moment to recategorize these {count} transfers."
• call to action:
  • zero: N/A
  • one: "View transfer"
  • other: "View transfers"

Merchant Budget

Available in Mini Widget

This insight notifies users about their merchant budget status.

Example Images

When Does This Generate?

This insight is triggered when a merchant budget is created or updated and meets the following requirements:

• Budget's usage must be over 25%.
• There must not be a Category Budget insight already created for the current usage tier:
  • 25%-49%
  • 50%-74%
  • 75%-100%
  • more than 100%
• Budget's usage must be over the current day of month threshold.

Customizable Text

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

• title: "{merchant_name}"
• description: "You have spent {budget_tier_percent} or more of your {merchant_name} budget."
• call to action: "View budget"

Set Up Direct Deposit

Available in Mini Widget Notification available

This insight tells users that we've detected a held account that doesn't have a direct deposit coming in and prompts them to set it up.

Example Images

When Does This Generate?

This insight is triggered when a held account is created at MX and meets the following requirements:

• The account is not closed.
• The account must be a held account and either savings or checking.
• There are no existing insights for the current year-month.
• MX has been provided an account number corresponding to the account.
• There are no existing direct deposits detected for the account.

Customizable Text

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

• title: "Set up direct deposit"
• description: "It appears that you haven't set up direct deposit for your new {held_account_without_direct_deposit} account. Activate direct deposit today to simplify your finances.
• call to action: "Set up direct deposit"

Switch Direct Deposit

Available in Mini Widget Notification available

This insight tells users that we've detected a direct deposit that doesn't route to their held account and prompts them to switch the deposit to the held account.

Example Images

When Does This Generate?

This insight is triggered in two scenarios:

• Scenario 1: Direct Deposit detected in one of the user's aggregated accounts and not in their held account.

  • The user has one or more checking accounts with the held bank.
  • MX detects transactions in one or more of the user’s checking accounts at the held bank in the last 90 days.
  • If the user has multiple checking accounts with transactions detected, show the most used checking account as the suggested direct deposit account.
  • No direct deposit is detected in the user’s held accounts in the last 90 days.
  • A direct deposit is detected at one of the users aggregated bank accounts in the last 90 days.

• Scenario 2: Direct Deposit is not detected in a new held account.

  • The user has a newly opened checking account in the last 30 days and MX detects activity.
  • No payroll/direct deposit is detected in the newly opened held checking account in the last 30 days.
  • A payroll/direct deposit is detected at one of the users aggregated bank accounts in the last 90 days.

Customizable Text

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

• title: "Switch direct deposit"
• description: "Switch your direct deposit from {external_account_name} to {held_account_name} account today to help manage everything in one account."
• call to action: "Switch direct deposit"

Spending Plan Category Spending

This insight prompts the user to create a spending limit when spending in a category is disproportionately growing.

Example Images

When Does This Generate?

This insight is triggered weekly and has the following requirements to generate:

• The user has a spending plan.
• A minimum of three months of historical data is available for the user.
• When generated in the first 10 days of the month, the insight looks at up to six months of data ending on the previous month. When generated on the 11th day of the month and later, the insight looks at up to six months of data ending on the current month. In either case, the most recent month is referred to as the "subject month." The subject month's spending for each category is then compared to historical weighted averages. The historical weighted average for each category must be $10 or more (as well as -$10 or fewer).
• At least one category has at least a 10% increase. Categories are limited to top-level expense categories (all top-level categories excluding INCOME, INVESTMENTS, TAXES, TRANSFER, and UNCATEGORIZED).
• The number of these insights generated for a user is limited to 3 unless the client specifies to MX otherwise.

Customizable Text

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

• title: "Category spending"
• description:
  • high absolute: "Spending in the {category_translation_key} category is higher than usual. To help track your spending, would you like to add or edit a budget?"
  • high absolute with budget: "Spending in the {category_translation_key} category is higher than usual. To help track your spending, would you like to add or edit a budget?"
  • normal absolute: "Spending in the {category_translation_key} category looks about normal."
  • normal absolute with budget: "Spending in the {category_translation_key} category looks about normal."
  • low absolute: "Spending in the {category_translation_key} category is lower than usual."
  • low absolute with budget: "Spending in the {category_translation_key} category is lower than usual."
  • high on track: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend more than usual in this category."
  • high on track with budget: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend more than usual in this category."
  • normal on track: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend about what you typically do in this category."
  • normal on track with budget: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend about what you typically do in this category."
  • low on track: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend less than usual in this category."
  • low on track with budget: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend less than usual in this category."
  • no data: "No data to display at this time."
  • not sampled: N/A
• call to action:
  • high absolute: "Create budget"
  • high absolute with budget: "Edit budget"
  • normal absolute: "Create budget"
  • normal absolute with budget: "Edit budget"
  • low absolute: "Create budget"
  • low absolute with budget: "Edit budget"
  • high on track: "Create budget"
  • high on track with budget: "Edit budget"
  • normal on track: "Create budget"
  • normal on track with budget: "Edit budget"
  • low on track: "Create budget"
  • low on track with budget: "Edit budget"
  • no data: N/A
  • not sampled: N/A
• supporting action: "View transactions"

Spending Plan Talk With Someone

This insight suggests to Spending Plan users that they should discuss their plan with someone they trust. While this insight triggers upon Spending Plan creation, a similar monthly version of this insight will serve as a consistent reminder.

This insight also has functionality to provide a monthly reminder to users that they should discuss their plan with someone.

Example Images

When Does This Generate?

This insight is triggered when a Spending Plan is created and there's no antecedent for the same Spending Plan. It is then triggered once per month and will generate if there's no antecedent for the same Spending Plan.

Customizable Text

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

• First time a spending plan is created:
  • title: "Talk about your plan"
  • description: "Talk with someone you trust about your Spending Plan. Ask them to keep you on track with your financial goals."
  • call to action: "View spending plan"
• Monthly:
  • Generic:
    • title: "Talk about your plan"
    • description: "Talk with someone you trust about your Spending Plan. Ask them to keep you on track with your financial goals."
    • call to action: "View spending plan"
  • Reminder:
    • title: "Talk about your plan"
    • description: "Reminder to check in with your partner and talk about how your Spending Plan is helping you to achieve your goals."
    • call to action: "View spending plan"

Category Budget

Notification available

This insight notifies users about their budget status.

Example Images

When Does This Generate?

This insight triggers when a budget is created or updated and meets the following requirements:

• Budget's usage must be over 25%.
• There must not be a Category Budget insight already created for the current usage tier:
  • 25%-49%
  • 50%-74%
  • 75%-100%
  • more than 100%
• Budget's usage must be over the current day of month threshold.
• Budget category isn't INCOME.

Customizable Text

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

• title: "{category_translation_key}"
• description: You have spent {budget_tier_percent} or more of your {category_translation_key} budget."
• call to action: "View budget"

Category Spending V2

Available in Mini Widget Notification available

This insight prompts a user to create a spending limit when spending in a category is growing significantly.

Example Images

When Does This Generate?

This insight is triggered monthly and requires a transaction that meets the following requirements to generate:

• A minimum of three months of historical data is available for the user.
• For each category, the system calculates the weighted average of monthly spending. Categories with no spending are ignored.
• When generated in the first 10 days of the month, the insight looks at up to six months of data ending on the previous month. When generated on the 11th day of the month and later, the insight looks at up to six months of data ending on the current month. In either case, the most recent month is referred to below as the "subject month."
• The subject month's spending for each category is compared to historical weighted averages.
• Insights are generated for users that have at least one category with at least a 10 percent increase.
• Categories are limited to top-level expense categories (all top-level categories excluding INCOME, INVESTMENTS, TAXES, TRANSFER, and UNCATEGORIZED).

Customizable Text

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

• title: "Category spending"
• description (the description for this insight cards varies depending on the type of spending that has occurred):
  • high absolute: "Spending in the {category_translation_key} category is higher than usual. To help track your spending, would you like to add or edit a budget?"
  • normal absolute: "Spending in the {category_translation_key} category looks about normal."
  • low absolute: "Spending in the {category_translation_key} category is lower than usual."
  • high on track: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend more than usual in this category."
  • normal on track: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend about what you typically do in this category."
  • low on track: "You have spent {current_month_total} on {category_translation_key} in {date}. With {days_remaining_in_month} days left in the month, you're on track to spend less than usual in this category."
  • no data: "No data to display at this time."
  • not sampled: N/A
• call to action: "Create budget"
• supporting action: "View transactions"