First let’s walk through changing the bold name using the Nickname field

NOTE 1: You may see transactions that look like they have the same name but do not. If the full name has extended data off to the right, which is different with each entry (e.g., date values, etc.), the system will not present them to be changed at the same time. The name and how it comes into the online banking system is largely driven by external factors (e.g., the source systems, like our core deposit system, the ACH Network/processing system, merchants, etc.). The system will only detect additional transactions to apply the change to if the full name was exactly the same every time the transaction previously came in. If not presented to be updated at the same time, the other transactions may be updated one by one within the history using the steps below. A Rule is only created and applied to future transactions if the system detects multiple prior transactions in the history with the exact same name, and you specify to change the name for more than a single transaction (in other words, a Rule can’t be created to rename future transactions until the transaction has occurred more than once, with the exact same name).

Step 5: Click into the Nickname field, and type the new name (i.e., Nickname) that is desired, then scroll down and click “Save.”

• After hitting “Save,” if the system identifies more than one transaction within the transaction history with that exact same name that you are changing, the system will give you some more options (rename more prior transactions, plus set a rule to rename future transactions).
• System prompt will read “Additional Transaction(s) to Review - # transaction(s) were found that could be renamed.”
• Click “Ignore” if you only want to change the name for that one single occurrence of that transaction type.
• Click “View Similar” if you want to change the name for some or all of the prior (and future) occurrences of that transaction type from that merchant.
  • A screen will open with all listed (most recent to oldest). There is a box at the very top of the result that you can check to “Select All.” Be patient, the system may take a few seconds to select all. Or you can check certain individual transactions.
  • After making your selections, scroll to the bottom, and hit “Save Selected.”
• You will land back on the main screen, and you will need to hit “Save” at the bottom.
• Changing the name for more than a single transaction will create a “Transaction Renaming Rule” for that transaction type from that merchant. The Rule will be applied on a go-forward basis to all those transactions as they post in the future (more below on how to review, edit and delete Rules) 

Now let’s discuss changing the categorization using the Category field

NOTE 2: You may change the categorization using the Category field at the same time as you are updating the name (i.e., Nickname), if you choose. For clarity, we have broken the steps out because there are some additional options with the Category that need more explanation.

NOTE 3: Remember, Categories are driven by codes that merchants and their processing networks pass back to banks. Common codes are used for similar type businesses. In other words, you will notice common Categorization for transactions that you may have for McDonalds, Chick-fil-A, and Burger King – all fast-food chains. So, after you change the Category for one, that new mapping (because they use common codes) creates a “Transaction Category Rule” that will be applied on a go-forward basis to all the similar transactions as they post in the future (more below on how to review, edit and delete Rules). The change, however, is not automatically applied to the historical transactions for all the similar transactions from the different businesses. If you wish to change the historical transactions, you must do that per business (i.e., per name or Nickname). In other words, after you create a new Category, you then select a transaction (e.g., a Chick-fil-A transaction) from your history, and you apply the new Category to it. If the system identifies historical transactions (for that business, or Nickname) it will prompt you and ask if you would like to change them as well. You can ignore that, or you can view all the similar transactions it found, and either select to change them all at once or pick which ones you want to change. Again, these would be only for the business (i.e., name or Nickname, such as Chick-fil-A) that you had retrieved. So, you will repeat this if you wish to change the Category for the historical transactions from different merchants.

Step 6: Start with Steps 1 – 4 above, then click into the Category field. You CANNOT type in this field. A prebuilt list of Categories (and sub-categories) will open. Scroll through the list to see if a value is available that will meet your need. If there is, select it and then click “Save.” If the value you need is not in the list, go to Step 7.

• After hitting “Save,” if the system identifies more than one transaction within the transaction history with that exact same Category that you are changing, the system will give you some more options (change Category on more prior transactions, and future transactions).
• System prompt will read “Additional Transaction(s) to Review - # transaction(s) were found that could be renamed.”
• Click “Ignore” if you only want to change the Category for that one single occurrence of that transaction type with that merchant.
• Click “View Similar” if you want to change the Category for some or all the prior (and future) occurrences of that transaction type with that merchant.
  • A screen will open with all listed (most recent to oldest). There is a box at the very top of the result that you can check to “Select All.” Be patient, the system may take a few seconds to select all. Or you can check certain individual transactions.
  • After making your selections, scroll to the bottom, and hit “Save Selected.”
  • You will land back on the main screen, and you will need to hit “Save” at the bottom.
  • Please be aware that changing the Category for a transaction creates a “Transaction Category Rule” that will automatically apply to all future similar transactions (for that merchant and others) as they come in to change their Category. More below on how to review, edit, and delete Rules.

Step 7: If the prebuilt list does NOT have a value you need, go to the “You can Add custom categories here, and Edit or Delete categories under Transaction Category Settings” section that is toward the bottom of the page. Use the “Add Category” button to create/add custom “Categories” (and sub-categories) to the prebuilt list.

Please be aware, the system uses a “Category” and sub-category structure for “Expenses” or debits, and “Income” or credits. You may create a new overarching “Category” without any sub-categories (the system will present that new Category and list the same value as the sub-category). Or you may create a “Category” as a sub-category. If you want to create a new Category, and sub-categories, you’ll need to create the overarching Category first, and save it in the list. Then come back and create another “Category” (i.e., a sub-category of the Category you just created). Be sure to take note of the “Category Type” button, to ensure you’re creating the new value(s) for the right type of transactions (expenses/debits, or income/credits). The “Category Type” drives the “Category and sub-category” list that is displayed.

• Click the “Category Type” button that appropriately reflects what you’re creating a Category or sub-category for (i.e., either an expense/debit, or an income/credit).
  • As noted above, the “Category Type” drives the “Category and sub-category” list that is populated in the list to be selected from.
• Click “Add Category,” which will present a “Category” field that you can type a new value into.
• Then click into the “Subcategory of” field, which will present the prebuilt list of Categories and sub-categories.
  • This field is optional and should be left blank if you’re creating a new overarching Category. Note: Make sure the new Category you are creating isn’t already in the list.
  • If you’re creating a new sub-category, select the “Category” from the list that you want your new value to be a sub-category of.
• Then click “Continue.”
• Then click “Save.” You will land back on the transaction history page.
• Repeat Step 6. Please be aware that adding a custom Category to the list does not change the actual Category on your transactions, it only adds the new value to the list. You must repeat Step 6 to then change the Category for one or more historical/prior transactions from that merchant, and once you’ve saved that change, a Rule is created which will change all future transactions of that same type from that merchant (and other merchants, per NOTE 3; more info on Rules below). 

Step 8: If a user would like to split a transaction, meaning tag it with two Categories (or sub-categories), they can do so by following these steps:

• Start with Steps 1 – 4 above, then scroll to the bottom of the page and click the “Split Category” button.
• Click inside the Category field and select the secondary Category you would like to tag the transaction with.
  • If the list does not contain the value you need, follow the steps outlined above to add a new Category, and then restart with Step 8.
• Click inside the Amount field and enter the portion of the transaction amount that corresponds to the secondary Category.
  • An amount value must be entered if using the Split Category option. If you try to save without entering an Amount, an error will be displayed.
• Click Save. The transaction will now display both Categories with a comma separating them (the Amount that corresponds to the secondary Category is only viewable when the transaction is later retrieved, meaning it does not display in Transaction History or on Statements). Split Category is an ad hoc designation, and no Rules can be created to facilitate tagging transactions as such.

Finally, let’s discuss how to review, edit, or delete any Custom Categories or Rules you have created

Step 9: From time to time, a Rule may change information for a single transaction and the user may want to edit or change that single transaction. They can do that by following the steps outlined above, and when prompted to change for Additional Transactions, simply click to “Ignore.” Additionally, from time to time, a user may want to review, edit, or delete a Custom Category or Rule they have created. To do that, the user would follow the steps below.

• Click on the Profile icon in the upper right, then click My Preferences, then on the menu at the top, scroll over to Custom Categories, or Rules. Or, if you’re on the page where you can change the Name or Category, you can simply click the “Transaction Category Settings” link.
• If you select Custom Categories, you can review, edit or delete a Custom Category (or sub-category) for expenses (debits) or income (credits).
• If you select Rules, you can review or delete Transaction Category Rules and Transaction Renaming Rules.

Adding a “Memo” to a transaction

A user can add a “Memo” notation to any single transaction as well, but the memo feature is a per transaction feature only, and the user must initiate that ad hoc (i.e., you can’t set up a rule for the system to automatically apply the same memo to similar transactions as they show up). Any Memo field values that a user adds to transactions are only visible when the user retrieves that specific transaction (i.e., Memo field values are displayed in the Transaction History or on Statements like the Nickname or Category).