Money Management is an intuitive budgeting tool that empowers you to take control of your finances and simplify your life. It's like having a Pen Air Member Advisor every step of the way through your Online Banking or Mobile App.  Within a few minutes you can connect all of your accounts, loans and investments to view your entire financial picture.

Money Management does all of the heavy lifting for you by analzying all of your finances and spending habits to provide insight to help you make informed financial decisions.  

With Mobile and Text Access, it's secure, simple and always with you.  Forget about logging in to multiple accounts to view your finances and spending. Everything you need to know is in one secure location.  Enroll in Online Banking or download our Mobile App and tap Sign Up to get started.

list of accounts and their balances


Account Aggregation

Aggregate your financial account balances and transactions into one place and get a complete financial picture. Money Management aggregates more than 10,000 financial institutions and is growing. Account aggregation gathers basic information from all of your different financial instititutions and organizes it into one place.

Colorful circle graph showing spending amount


Spending and Trends

How much do you spend on dining out every month? On gas or daycare? With the spending tool, quickly identify your biggest expenses and categorize your spending. The trends feature shows you category spending over time and compares it to your income, showing where and when  you may need to cut back.

Target with an arrow in the bullseye


Setting Goals and Paying Off Debt

What are your financial goals? Saving for a house, vacation, retirement or building up an emergency fund? Goals help you plan for short- or long-term financial ambitions. Set savings, debt payoff or retirement goals and easily track how much you've saved for each goal. Pay your debt down faster with Money Management's debt tool. See all your loans and debit in one place and learn techniques on how you can pay them off in less time and pay less in interest.

yellow, green and red bubbles that show budget totals with amounts spent for the month

Bubble Budget

Easily edit and manage budgets in one place and quickly identify ones that need your attention based on color and size. Get started with an auto-generated budget based on your past spending habits and adjust as needed to fit your lifestyle and keep you on track.

At a glance, you will be able to determine a budget's:

» State (color)

» Relative Value (size)

» Spending Progress (meter)

» Relationship to other budgets


Your privacy and security is top-priority.  With that in mind we've integrated Money Management into your Online Banking and Mobile App to insure that your sensitive information is protected with the highest of security standards.


Money Management FAQs

Laptop screen, tablet screen and cell phone screen showing money management program

Money Management