Take Charge Money Manager™

Put yourself in the driver’s seat with the Take Charge Money Manager™.

The Take Charge Money Manager™ is a personal financial management tool that helps members track their spending, saving and budgeting all in one convenient place.

Getting started is easy.
  • Log into your Coast Online®, Coast Online® Banking for Small Business or Coast Mobile® banking account.
  • Navigate to the Money Manager page from the main navigation on the left hand side.
  • You’ll now find links to Spending, Budgets, and Accounts underneath Money Manager in the navigation.
  • Your Coast Capital Savings account data from the past 18 months will already be populated within the Spending tool.

Tell me more.

Spending Tool

This feature will give you an overview of where you’re spending your money, down to the last dollar. Automatically simplify and categorize your transactions from both Coast Capital Savings and non-Coast Capital Savings accounts.

Click here for a quick instructional video on how to use the Spending tool.

Budgets Tool

Set up monthly budgets to keep on top of your spending. Budgets can be broken up and customized to your needs and can include both regular payments (like your phone bill), and irregular ones.

Click here for a quick instructional video on how to use the Budgets tool.

Add Accounts

You can also add your accounts from other financial institutions to make it your banking one-stop-shop.  This includes chequing and savings accounts, credit cards, loans, mortgages, and other lines of credit from other banks and credit unions across North America.

By default, all Coast Capital Savings accounts will be available to view in the Take Charge Money Manager tools.

Click here for a quick instructional video on how to add accounts.

To add an account:
  • Click “Link External Accounts” to open the Add Accounts screen.
  • Search for a financial institution by its name or URL.
  • Select the institution from the list and enter the requested login credentials.

Note: If you’ve just received a new Coast Capital Savings debit card, your Take Charge Money Manager data will be migrated overnight and become available to you the following day.

Need more help?

For the full rundown of how to use the tools in detail, check out our User Guide.

Some other helpful things to note:
  • Alerts can keep you notified of important things happening with your accounts, like a low balance or a deposit to your account.
  • You can access the Take Charge Money Manager anywhere, anytime from a computer, tablet, or mobile device.
  • This tool is available in Coast Online® Banking Services, Coast Online® Banking for Small Business and Coast Mobile® Banking Services.
  • Available for both personal memberships and small business memberships.
  • The first time you use the Take Charge Money Manager, you’ll have access to 18 months of historical Coast Capital Savings data. Any other financial institutions you have added will go back as far as 30 days.

By enabling the Take Charge Money Manager, you may choose to allow the Take Charge Money Manager to use financial information from your accounts with other financial institutions. For full Terms and Conditions of the Take Charge Money Manager, click here.

Frequently Asked Questions.

A: Yes. Steps have been taken to assess and ensure that the highest level of security and privacy of your information has been met. Coast Capital Savings reviews the security safeguards of Third Parties to ensure they employ equivalent or better security to protect sensitive Member data. As your financial information is transferred to the Third-Party, MX Technologies, this transfer of information adheres to recognized best practices in authentication, authorization, and masking of sensitive data.
A: We’ve partnered with MX Technologies, an industry-leading personal financial management provider based in the United States, to offer a cutting-edge solution and digital experience that will give you the benefit of accessing these tools directly within Coast Online® and Coast Mobile® Banking.
A: You can opt out from this service at any time. If this is something you’re interested in doing, call us at 1.888.517.7000(Mon-Sat, 8am-8pm; Sun, 9am-5:30pm) .
A:Section 5(b) of our Privacy Policy states that Coast Capital may share member information with Third Parties who provide us with services. For full Terms and Conditions of the Take Charge Money Manager, click here.
A: The tools within Take Charge Money Manager will be updated with your latest transactional data overnight.
A: When your transactions are pulled into Take Charge Money Manager, they’ll be categorized automatically. If Take Charge Money Manager is not reasonably certain of which category a transaction belongs to, the transaction may be left uncategorized.
We encourage you to go through your transactions history in your Spending wheel and check that each transaction is categorized correctly. If you re-categorize a transaction, Take Charge Money Manager will attempt to remember your preference the next time you post a similar transaction. Customizing your transactions helps the tool categorize for you more accurately moving forward.

A: For mortgage and loan payments, you’ll typically see two transactions: a debt and a credit (since you are also paying down a liability). While the debt is categorized as an expense (i.e. “Home: Mortgage & Rent”), the credit should be categorized as a transfer (i.e. “Transfer Mortgage Payment”). This will allow the expense to be calculated in your spending reports without the positive credit canceling out the spend.

The categorization around mortgage payments is like any other categorization in our system — the system does its best to get it right, but sometimes action is required. If you re-categorize the mortgage or loan credit as a "Transfer" a few times, the software will eventually pick it up and begin to automate it.

A: Coast Capital Savings members will have up to 18 months of their transaction history available, unless you were issued a new member card number (PAN) within the last 18 months. If this is the case, your history will go back to the date that your newest member card was issued.
A: If your spending in a category is below 3% of your overall spending, it’ll be grouped in “Other” with other low-spending categories.
A: When you first use Budgets, you have the option to “Auto-Generate Budgets” or to start from scratch. We encourage you to use the auto-generate budgets feature because it puts together a starting budget for you based on your average spending in each category over the previous 90 days.

A: You can Recalculate Budgets any time to reset budget amounts to be based on the last 90 days of transactions. This will better tailor your budget experience to your actual spending.

  • Click on the Manage Budgets link on the top right of the budgets home page
  • Scroll to the bottom of the pop-out menu
  • Click on Recalculate Budgets
A: This is a connection error that happens from time to time. Simply try refreshing the page, or logging out and logging back in.

A: If you have Coast Capital accounts that you would like excluded from the Take Charge Money Manager Spending and Budget widgets (for example, joint accounts with spouses or children), follow these steps:

  1. Click the blue "Add External Account" button.
  2. When the Account Aggregation User Agreement is presented, click 'Accept' if you have not yet already.
  3. Select Coast Capital Savings from the left side menu.
  4. Select the […] link next to the account you wish to hide, and select 'Hide Account'.
A: Yes. Small Business members can create their own custom spending categories and budgets for business-related transactions. Additional tools for Small Business will be added in the near future.
A: Yes. Once getting a new debit card, your Take Charge Money Manager data will be migrated overnight and available to you the following day.
A: While mint.com offers very similar tools for analyzing your spending and budgeting, Take Charge Money Manager is fully integrated directly into Coast Online® and Coast Mobile® Banking so you can manage your money from the same place.