## What Does Deleting Your MoneyWise Account Do?

Deleting your MoneyWise app completely removes all of the data you have stored in the app along with deleting any record of your account. This includes removing all of your personal information such as your email address.

It will be as if you never created a MoneyWise account in the first place. 

When you delete your account, all data associated with your account is permanently deleted from our systems and not recoverable.

After deleting your account, you would be able to create a new MoneyWise account with your same email address if desired.

## Why You Might Want to Delete Your Account 

If you decide that you no longer want to use the MoneyWise app to manage your money, it might make sense to delete your account. 

However, if you’re simply looking to reset your account for a fresh start, you can read how to do that in this article. 

## How to Delete Your MoneyWise Account

To delete your MoneyWise account, follow these steps: 

1. Open the “More” menu by selecting the icon in the bottom-right corner of the app.
2. Choose the “Settings” option from the menu.
3. Select the “Delete” option from the menu
4. This will open a dialogue asking you to confirm the delete option.
5. If you select “Yes” you will be given one final warning. Confirming you want to delete your account will permanently delete your MoneyWise account and all associated data.


Learn how to delete your MoneyWise App account.

How to Delete Your MoneyWise Account

Learn everything that's included in a MoneyWise Pro subscription.

MoneyWise Pro: Everything You Need to Know

## What is the 'Envelope System' of Money Management?

The MoneyWise app uses an envelope style of money management. 

A traditional envelope system works by withdrawing cash from your bank and "funding," or physically putting dollar bills into labeled envelopes (i.e. Groceries, Rent, Movies, etc.). When you need to buy something, you take cash out of the appropriate envelope to make the purchase. 

When you run out of cash in an envelope, you have to wait to make a purchase in that category until it has money available.  You can replenish your envelopes by either withdrawing more cash from your checking account or by transferring funds from one envelope to another. 

This method is very successful in helping people become more aware of their spending habits and ensures that practitioners never spend more money than what they actually have on hand. 

## How Do Envelopes Work in the MoneyWise App? 

The 'envelope system' of money management works in the MoneyWise app by totalling the money in your  account(s) and allowing you to allocate it into digital envelopes of your choosing. 

We gave you some commonly used envelopes to get started, but you can easily add or delete envelopes to fit your needs.

**Basic Users:** You can add additional envelopes or envelope groups from the list of provided options. Select **+ Envelope** or **+ New Envelope Group** to do so. 

**Pro Users:** You can create new custom envelopes by selecting **+ Envelope**. Then you can name the envelope anything you’d like. You can also create custom envelope categories. To do this, scroll to the bottom of your Envelopes screen and select **+ New Envelope Group**. 

## Editing the Envelope Name

In order to change an envelope name:

1. Click on the envelope you would like to change the name of
2. Click the menu (three dots) in the upper right corner of the Screen
3. Select Edit
4. Change the Envelope Name or Envelope Group and Save

**Pro Users:** You can create custom envelope names and envelope groups with MoneyWise Pro.

## Funding Your Envelopes 

You need to have at least one account created in order for this system to work. Once you have an account, you will see an "available for funding" amount. This amount will adjust as you fund your envelopes. 

For instance, if you have $500 in your checking account and you only fund your grocery envelope with a balance of $100, you will have $400 available for funding ($500-$100=$400).

If you have questions about how the math works, click the "i" next to 'available to funding' on the Envelope Balances screen to see exactly how it's calculated.

If you don’t know the exact amount you should fund into each envelope, make an estimate based on what  you think you will need to spend. You’ll likely end up adjusting your envelope’s funding as time goes on. So don’t get hung up trying to get it “perfect.”

### What if I can’t fund all of the envelopes with my available money?

It’s okay if you can’t fund all of your envelopes right away. Your “available for funding” shows you the cash you have in your accounts right now. You can only fund envelopes with the money you actually have. 

As soon as you get more money in your accounts, you’ll be able to fund more envelopes. It may take some time to get all your envelopes funded, so be patient and stick with it!

### The Envelope Balance Screen

The Envelopes Balance screen simply shows you what you have left to spend in each envelope. It takes the amount you have funded into the envelope and subtracts any transaction amounts from it. This happens when you make a purchase and assign the transaction to the appropriate envelope. The envelope's balance will change accordingly.  

## Tips for Managing Your Envelopes

- Tap the $0.00 to quickly add funds to your envelope.
- “Long press,” or tap and hold, the envelope to quickly access a menu of options. 
- Click the name of an envelope to view the activity (funding and transactions) in that specific envelope.
- Transer fund from one envelope to another using the "Transfer" option.
- Archive and Delete envelopes by swiping the envelope to the left. Archived categories will retain the funding and transaction history of that envelope, which you can view or add back to your envelope list at any time.
- Access your archived envelopes by clicking the three dots in the top-right corner of the Envelopes tab. 

Learn how to manage your money using Envelopes in the MoneyWise app. 

Creating & Managing Your Envelopes

## What is a Plan?

Your plan is exactly what it sounds like--a plan! It’s a tool you can use to plan out your monthly income and expenses ahead of time, before those transactions actually happen.

Think of your plan as a reference for how you want to fund your envelopes throughout the month based on your estimated monthly income. 

You can find and manage your plan from the “Plan” screen, which you can access from the top of the “Home” tab. 

## How Creating a Plan Can Help You Manage Your Money

Your plan helps you to see the big picture of your monthly income and expenses. You can create a plan for the month using estimates of how much you expect to earn in income, and how much your bills and other spending will likely cost. 

This helps you to be prepared to set aside the funds for your envelopes and feel more confident about your financial status. Your actual envelope funding may be slightly different than your plan due to unexpected things that come up throughout the month. That’s okay!

It’s important to come back to your plan regularly to see how closely you are sticking to it. 

## How to Create a Plan

When you open the “Plan” screen, you will see the current month’s plan. You can start editing this right away. 

### Planning Your Income

First, you’ll want to plan your income. Use your monthly take home (net) pay as your income amount. You can add additional envelopes in order to plan for multiple sources of income. 

This sum of the incomes you plan will display above “Plan Income” at the top of the plan screen. This is the amount of money you will have available to fund your plan expenses with. 

As you get paid and categorize those transactions as income, you will see that money display in the “Earned” column. This helps you ensure that your earnings are on track with what you planned. 

If you earn a little more or a little less than you had planned, simply make an adjustment to your planned income amount. Doing so helps you proactively adjust how much money you actually have to fund your envelopes with. 

To plan your income, follow these steps: 

1. Select the number under the “Plan” column and enter the dollar amount you plan to earn. 
2. Choose the date you plan to earn the income.
3. Select the recurrence period of how frequently you plan to earn that amount of income. 

### Planning Your Expenses

Once you have estimated your monthly income, you can begin to plan how you will fund your expense envelopes. 

Your plan is simply giving you guidance on how you “want” to fund each envelope throughout the month. It does not automatically fund your envelopes unless you have MoneyWise Pro and you use the auto-fund option. (See next section.)

To plan your expense funds, follow these steps: 

1. Select the number under the “Plan” column and enter the dollar amount you plan to spend. 
2. Choose the date you plan to fund the envelope.
3. Select the recurrence period of how frequently you plan to fund that amount of money into the envelope. 

## How to Auto-Fund Your Envelopes From Your Plan

**Pro Users:** You can save time and ensure you never forget to fund your envelopes with the auto-fund feature! 

When you use auto-fund, the money from your plan will automatically be transferred to the appropriate envelopes based on the day and recurrence you set. It’s as easy as that.

When using auto-fund, we recommend scheduling your funding dates to align with your paydays. That way you will have money available for funding when the automation takes place. 

## If I Change My Plan Does it Impact the Funding of the Envelope?

Historical funding that has already taken place is not impacted by changes made to your plan. 

The only time changing your plan will impact your funding is if it is scheduled and set to auto-fund in the future. 

## Viewing Your Plan’s Schedule

Selecting “Schedule” from the plan toolbar allows you to see a calendar view of your planned funding. 

You can select any of the plan items on the calendar to view more details or make changes to them.

## Viewing Your Plan’s History

Selecting “History” from the plan toolbar will show you a list of all the previous plans you have created in the MoneyWise app. 

You can open any historical plan to use as a reference for your current plan.  


How to use the Plan feature in the MoneyWise app.

Creating & Using Plans

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## What Does Resetting the MoneyWise App Do?

Resetting your MoneyWise app completely removes all of the data you have stored in the app currently. Essentially, it resets the app to the way it was when you first downloaded it. This includes removing the data associated with the following functionalities:

- Connected Accounts
- Transaction History 
- Custom Envelopes
- Funding
- Plans 

**When you reset the app, the data that is removed is permanently deleted from our systems and not recoverable.**

## Why Would I Want to Reset the App?

At some point, you might decide you want to reset your MoneyWise app so that you can have a fresh start in how you manage your money. For example, resetting your app might make sense for you if you’ve let a lot of time go by without managing your transactions or if you decide that a different envelope structure would make more sense for your purposes. 

Sometimes, it’s just easier to start over rather than reorganizing everything in the app. 

## How to Reset the MoneyWise App

To reset your MoneyWise app, follow these steps:  

1. Open the “More” menu by selecting the icon in the bottom-right corner of the app.
2. Choose the “Settings” option from the menu.
3. Click “Start Fresh”.
4. Doing so will open a dialogue asking you to confirm the reset option. If you select “Yes” your app will reset immediately.



How to Reset Your MoneyWise App

## How to Manually Track Transactions in the MoneyWise App

Tracking transactions manually is an option for Basic or Pro app users. To add a transaction manually, follow these steps: 

1. Go to the envelope that you want to use to organize the transaction. 
2. Select the "+" option in the activity section. Doing so will allow you to enter a new transaction. 
3. Give the transaction a name, enter the dollar amount, select if it's an income or expense and choose the account the transaction should be allocated to. 
4. Save the transaction. This will add the transaction to the envelope.

You can also add transactions from the account screen. You will follow the same steps with the addition of needing to select an envelope to categorize the transaction.  

## What Transactions Will I See in the MoneyWise App?

**Basic Users:** You will only see the transactions that you track manually in the MoneyWise app. 

**Pro Users:** The MoneyWise App will process any transactions made from your active connected accounts. This includes transactions from checking accounts, savings accounts and credit cards. 

If you don't want to see transactions from a certain account or credit card, you can turn the account "inactive" from the bank's setting screen.

## When Will Transactions Appear?

**Pro Users:** As soon as you connect an account, you'll see a few of your recent transactions in the Transactions screen on the MoneyWise app. Any future transactions you make will also appear in the app within 24 hours of your bank registering the transaction. 

The MoneyWise app only pulls in the initial transactions from the day you connected your account and any new transaction moving forward. You can't pull in past transactions from before the account was connected.

## How Do I Manage Unassigned Transactions?

**Pro Users:** Initially, when transactions comes through they'll be marked as "unassigned." You’ll need to assign these transactions to the appropriate envelope. You can easily do so by tapping, or long pressing, on the transaction and choosing the best envelope. 

Once you assign a transaction to an envelope, you will be able to see it in that envelope's activity screen.

If you mis-categorize a transaction, you can tap or long press the transaction to recategorize it. 

## What if I Need to Split a Transaction Into Multiple Envelopes?

**Pro Users:** It's easy to split transactions into multiple envelopes in the MoneyWise app. To do so, simply follow these steps: 

1. Tap on the transaction you would like to split, and select the "split" icon.
2. Choose two or more categories to split the transaction amount between. You can specify the exact amount of money you want allocated into each envelope. 

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## Can the MoneyWise App Auto-Categorize Transactions?

**Pro Users:**The MoneyWise app can automatically categorize your transactions if you wish. However, there are a couple of caveats. Some retailers use unique codes for each credit card transaction, rather than a standard transaction code for all purchases at that retailer. 

When this happens, the app isn't able to distinguish that two transactions should be categorizedd in the same way. This is a retailer specific instance and not something we are able to change in the MoneyWise app. However, since many retailers don't use that logic, you can still auto-categorize the bulk of your transactions if you'd like. 

You are able to set your preference for auto-categorization or not from the app's settings options. 

1. Go to the "Envelopes" tab.
2. Choose "Options." 
3. Choose "Transaction Preferences."
4. If you want to stop all auto-categorization, you can toggle the option off at the top of the screen.
5. If you want to manually categorize certain transactions- search for the transaction description then swipe the description to the left and click 'Manual'. 
 
Additionally, you can see all of the established rules for assigning your transactions and make changes to them if you wish. If you see a transaction description that you would like to assign to a different envelope, simply select the bolded envelope name and choose a different one from the list of options.
 
### Why Are Some of My Transactions Not Auto-Categorizing Correctly?
 
**Pro Users:** At some point, you may realize that transactions you have assigned before are not auto-categorizing as you'd expect. There are two possible explanations: 

1. If you assigned the transaction while it was ‘Pending’ the transaction name may have changed once finalized.
2. The financial institution or retailer uses unique descriptions for each transaction, making it difficult for the app to determine which envelope the transaction belongs.

In either instance, if we aren’t sure where to place a transaction we default to you to make the proper selection.

## How Are Pending Transactions Handled?

**Pro Users:** Pending transactions are transactions that have been sent to your bank or credit card but still need to be verified and finalized. A transaction is pending if you see the word "Pending" underneath it on the Transactions screen.

Depending on your bank, the verification process for transactions typically takes two or more days to finalize. Pending transactions serve as a placeholder, and it's not uncommon for the transaction amount to change once finalized. 

For example, if you go to a restaurant and leave a tip, your pending transaction amount typically doesn't reflect the tip until the transaction is finalized. 

Another common example is a $1 pending transaction from a gas station's fuel pump. The amount you actually paid at the fuel pump typically won't be reflected until the transaction is finalized.

In the MoneyWise app, pending transactions are used as placeholders and should  be assigned to the appropriate envelope--even though the amount may change. 

This helps you immediately account for the transaction so that when you look to spend from that envelope again you don't neglect or forget about transactions that are still pending. Just remember that pending transactions are placeholders, so your envelope balance may change once the transaction finalizes. 

Additionally, the name of the pending transaction may change once finalized. This means you may have to reassign it to the envelope again once the transaction is finalized.

Learn how the MoneyWise app processes your transactions.

Managing Transactions

It is common to move money between your different accounts, for example transferring money from checking to savings or vice versa.  Anytime a transfer takes place there are two transactions that must occur, a withdrawal from one account and a deposit to the other. In this guide we'll explain some options you have to handle account transfers.

#### Key Takeaway: Always make sure the transfer transactions are of the same amount (but opposite signs) and categorize them both to the same envelope. This will keep you account balances correct without throwing off your envelope balances.

# Option 1: Create a Transfer Envelope

When a transfer takes place there are two transactions that must occur, a withdrawal from one account and a deposit to the other. These transactions offset one another and must be properly accounted for to avoid disrupting any of your other envelope balances.

The simplest solution is to create a single 'Transfer' envelope, which will store all the transactions that are transfers between your accounts. This option allows you to easily see if your transfers are being handled properly because anything other than a $0 balance in this envelope would indicate you are missing, or have mis-categorized a transfer transaction.

### Creating a Manual Account Transfer

When you have manual accounts, you may want to transfer money between them. For instance, if you have checking and savings manual accounts, you will need to record a transfer anytime you move money from checking to savings and vice versa. Here's how:

1. Create an envelope named 'Transfer'
2. Create a transaction in the account you are transferring money **FROM** as an 'Expense' and select the 'Transfer' envelope.
3. Create a transaction in the account you are transferring money **TO** as an 'Income' and select the 'Transfer' envelope. 

***Please note the amounts of the FROM and TO transactions must be exactly the same.***

### Transfer money from a connected account to a manual account (Pro Only)

There may be instances where you withdraw cash from your checking or other account, or you may be tracking a specific account manually while other accounts are connected. In either instance, you need to be able to account for transfers that are taking place between your manual and connected accounts.

1. Assign the connected account's transfer transaction to the 'Transfer' envelope.
2. Create a manual transaction in the manual account assigned to the 'Transfer' envelope for the same amount as the transaction in the connected account, but with the opposite sign (ie. if it's a withdraw from the *connected account*, then you will create an 'Income' transaction in the *manual account* and vice versa).

# Option 2: Create an Envelope for each Account

This is the option that is done automatically for you with MoneyWise Pro when you connect a savings, credit card, or loan account to the app. For instance, when you connect a savings account, you will notice an envelope for that savings account is automatically created for you under the 'Savings' envelope group.

### Accounting for Transfer transactions
1. Create an envelope for each account you wish to transfer money to and from, if it has not already been created for you automatically.
2. Assign or create the TO and FROM transactions to the same account's envelope. For instance, if I have a transfer with -$100 checking transaction and +$100 savings transaction, I will categorize both transactions to the 'My Savings' envelope.



How to set up your envelopes to transfer money between different accounts.

Transferring Money Between Accounts

### Article Sections:
- How Credit Cards Work in the MoneyWise App **(Pro)**
- FAQs About Credit Cards
-  - I Have Two Credit Card Payment Transactions, What Should I Do?
-  - Why Does My Credit Card Envelope Show a Negative Balance?
-  - What if I Make a Big Purchase on My Credit Card That I Plan to Pay Off Over Time?
-  - Why Can’t I Create a Manual Credit Card Account?
-  - Can I Track Credit Card Transactions Manually?


## How Credit Cards Work in the MoneyWise App
From a financial perspective, credit cards are a liability (debt) account. This means when you make a purchase on your credit card you technically won’t pay for it until you pay your credit card bill. This requires some special accounting treatment to make sure things are reconciled correctly in the MoneyWise app.

Additionally, we recommend only using credit cards if you are able to pay them off in full every month. If you are trying to pay off your credit cards, we still encourage you to connect them to the MoneyWise app, but do not suggest you use them to make any purchases until they are fully paid off.

**Here’s how it works:**

When you connect a credit card to the MoneyWise app, an envelope for that credit card will automatically be created for you. For instance, if you connect your ‘Wells Fargo Credit Card’ you will see a ‘Wells Fargo Credit Card’’ envelope appear under the Debt envelope group on your Envelopes & Plan screens.

When you make a purchase on your Wells Fargo credit card, the transaction will affect two envelopes in the MoneyWise app--the envelope you categorize the transaction into and the Wells Fargo Credit Card envelope. 

**Here is an example:** You spend $100 at the grocery store on your Wells Fargo credit card. When you see the transaction in the app, you assign it to your "Groceries" envelope. When you do this, the app will automatically increase the Wells Fargo credit card’s envelope by $100. 

So now your “Groceries” envelope has $100 less, but your credit card envelope has $100 more.

Essentially, the app transferred the $100 from your “Groceries” envelope to the Wells Fargo envelope to ensure you have the money set aside when it comes time to pay your credit card bill. 

The key point in this example is that the app does most of the work for you! So try not to overthink it. To put it simply, there is only one step you need to take when you see a credit card transaction:

1. Categorize the transaction into the envelope that corresponds to the purchase and the app will take care of the rest.

## Frequently Asked Questions About Credit Cards

### I Have Two Credit Card Payment Transactions, What Should I Do?

If you pay the bill of a connected credit card with a checking account that’s also connected to the MoneyWise app, you will see two credit card payment transactions in the app. 

One transaction will be in your checking account (a negative transaction) and the other will be in your credit card account (a positive transaction). These two transactions should be for the same amount with opposite signs, which means they offset one another. 

Simply assign both payment transactions to the appropriate credit card's envelope and you are good to go! 

By assigning your payments to the credit card envelope you are indicating that the payment has been made. Your credit card transactions should have already been allocated to the appropriate envelopes (ie. groceries, restaurants) throughout the month. Recording the payment(s) in the appropriate credit card's envelope allows the system to properly 'balance' out.

### Why Does My Credit Card Envelope Show a Negative Balance?

Your credit card envelope may show a negative balance when you make a payment towards that credit card that was greater than the amount of funding you had in that envelope. This situation is most common when you first set up your credit card in the app and make a payment towards the credit card. 

To balance it out, create a ‘One Time’ fund in the credit card’s envelope equal to the credit card’s negative balance. 

**For example:** if your ‘Wells Fargo Credit Card’ has a negative balance of $580, fund that envelope with $580 to balance it to $0. 

**Please note:** you may have to do this more than once, until the MoneyWise app includes all the transactions on your monthly credit card billing.

### What if I Make a Big Purchase on My Credit Card That I Plan to Pay Off Over Time?

If you aren’t able to pay off the purchase with the money you have available, we strongly encourage you to consider postponing the purchase until you do have enough money to pay for it in full. However, we completely understand that sometimes that is not possible (especially if it is an emergency). 

If you are considering making a big purchase you don’t have the cash for, please consider posting a question in the Community. Other members can help think through possible solutions to avoid adding credit card debt!

If you make a purchase on your credit card and plan to pay it off over time, treat it like any other credit card transaction and assign it the appropriate envelope. The difference is that it will make the envelope’s balance negative. The balance will remain in negative until you are able to add enough funds over time to get it back to positive.

**Here’s an example:** You put a $1,000 medical bill on your credit card. You assign the $1,000 transaction to your ‘Medical’ envelope, which only has $500 available in it. $500 - $1,000 means your ‘Medical’ envelope now has a -$500 balance. Moving forward, you will need to allocate funds to your ‘Medical’ envelope until you are able to get the envelope back to at least $0.

### How do I track a credit card manually?

In order to track your card manually you must first create a credit card account:
1. Go to the Accounts tab
2. Click 'Manual' to create a manual account
3.  Add the credit card name, current balance, and select 'credit card' as the account type

Once you create the credit card account, an envelope tied to that account will automatically be created for you under the 'Debt' grouping on your Envelopes and Plan tabs. When you make purchases with the credit card simply create transactions and assign them to the appropriate envelopes (ie. Groceries, Restaurants etc.). Then the app will move funds from the assigned envelope into your credit card envelope, indicating the purchase was made but you have not yet 'paid' for the transaction (which happens when you pay the credit card bill).  Go back up to the 'How Credit Cards Work in the MoneyWise App' section of this guide to learn more.

When you pay your credit card it will result in two transactions. One transaction will be a withdrawal from your checking account. The other will be a deposit transaction to your credit card envelope. These two offsetting transactions will both need to be assigned to credit card's envelope. To check if this is done correctly, your credit card envelope balance should match the credit card's account balance.




How Credit Cards Work in the MoneyWise App

## What is the MoneyWise Pro Group Subscription?

It's the easiest way to pay for multiple licenses to MoneyWise Pro. This option is perfect for anyone looking to gift MoneyWise Pro to others in order to aide in their stewardship journey.

## How do I purchase a Group Subscription?
1.  Login to your MoneyWise account here: [https://app.moneywise.org/login](https://app.moneywise.org/login).  If you don't have a MoneyWise account, you can create a free account [here](https://app.moneywise.org/signup/)
2. Once logged in go to to [https://app.moneywise.org/givepro](https://app.moneywise.org/givepro)
3. Select the maximum number of times you'd like your subscription code to be redeemed, enter your credit card details and click 'Purchase'. *
4.  Once you have purchased the code, click the button that says EDIT, which will allow you to create a custom redemption code and edit your max limit. Click SAVE to save your changes.
5. Provide your custom redemption code to anyone you'd like to gift MoneyWise Pro to.
 
 '*' **Note: Group subscriptions start at $30/month, which includes 5 subscriptions. Each redeemed subscription above 5 will be charged at a rate of $6/mo. For instance, if you have a max limit of 10 and 7 people have redeemed the code, you will be charged $42/mo, (7 subscriptions). Once the max limit has been reached the group subscription code will no longer be valid unless the max limit is increased. **

## Is there a discount for purchasing a group subscription?

Yes! By purchasing a redemption code the cost per subscription is only $6/month. If more than 20 codes are redeemed all subscriptions will be billed at $5/month. 

## Can I limit the number of times a code is redeemed?

Yes. You have to specify the maximum time the code can be redeemed. This helps ensure your code does not get used more times than intended. You will be billed a minimum of 5 subscriptions, regardless of how many are actually redeemed. After 5 subscriptions have been redeemed you will be billed only for active subscriptions up to your maximum limit. 

For example, if you set your redemption limit to 10, but only 7 people have redeemed the code, you will only be billed for 7 users.

## Can I use the redemption code for my own subscription?

Absolutely! You can use your subscription code for your own MoneyWise Pro subscription by simply using the same redemption code. You are not automatically given MoneyWise Pro and will need to use your code to upgrade your account. 

## Can the people on a gifted subscription see each others information?

No. By gifting a subscription you will simply be billed for the number of active subscriptions tied to your redemption code each month. Nobody using that code can access or see any other users information.

## When will I be billed?

You will be billed at the end of each billing cycle for the number of active redemption codes over the previous 30 days.



If you have any questions or problems please contact us at support@moneywise.org







Frequently Asked Questions About MoneyWise Pro

Give MoneyWise Pro

Learn how to quickly get set up using the MoneyWise app.

Quick Start Guide

## What Are Accounts? 

Your accounts show you how much money you have and track the transactions coming in, and going out from that account. 

The MoneyWise app uses your account balances to determine how much money you have available to fund your envelopes. You can create manual accounts or connect to your bank accounts with MoneyWise Pro. 

## Creating a Manual Account

Manual accounts are accounts that you update to record all transactions and account balances. The management of manual accounts is hands on so it requires more discipline than using connected accounts. However, it’s a great way to help people take control of their money!

You can create as many manual accounts as you’d like.

**Basic Users:** We recommend creating accounts to align with your actual bank accounts as well as a cash account.

**Pro Users:** You can use a manual account to track your cash spending, and for any other bank accounts you don’t connect to the MoneyWise app. 

To create a new manual account, follow these steps:

1. From the Accounts screen, select the bank icon in the upper right corner of the screen.
2. Choose the option for “Manual Account.”
3. Give your account a name. For example, “Cash” or “Chase Checking.”
4. Add the current dollar amount of your account’s balance.
5. Choose the appropriate Account Type. 
6. Select “Save.” Your account will be created. 

For help managing transactions in a manual account, please reference this article. 

## Adding a Connected Account

**Pro Users:**You can connect unlimited bank accounts to your MoneyWise account. This allows for automatic transactions to be imported into the app, and automatic account balance updates. It’s a huge time saver!

Connected account credentials are never stored in our servers and your data is encrypted end-to-end. Your data security is a top priority.

You can connect all of your accounts including: checking, savings, loans and investment accounts. This helps you see your full financial picture right in the MoneyWise app!

To add a new connected account, follow these steps:

1. From the Accounts screen, select the bank icon in the upper right corner of the screen.
2. Choose the option for “Connected Account.”
3. Select “Get Started” on the screen introducing Plaid.
4. Search for the account’s bank institution and select it.
5. Login to your bank account.
6. Select the account(s) you want to connect to MoneyWise.  

For help managing transactions in a connected account, please reference this article. 

## Managing Your Accounts

You can manage your accounts by going to the Accounts screen and either selecting one of the account cards, or selecting the bank icon in the upper right hand corner of the screen.

If you select an account card, you will see all of the transactions associated with that account. To manage that account’s settings, select the “i” in the upper right hand corner of the screen. (You will access this screen directly if you select the bank icon from the Accounts screen.)

This allows you to determine which accounts from that institution you want to be active, and which you want to use to fund your envelopes. 

**Active:**If an account is set to “Active,” the account’s transactions and balance will be updated regularly. 

**Envelopes:**If an account is set to “Envelopes,” that means the money in that account will be made available for funding your envelopes. 

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## Deleting An Account

When you delete an account, all transactions tied to that account will be deleted. This action cannot be reversed, so be sure you perform this action with care.

To delete you financial institution, from the Accounts screen click the card you want to delete. Then click the i in the upper right hand corner. When the Account Setting screen appears click Delete and follow the prompts.

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How to create and manage your accounts in the MoneyWise App.

Creating & Managing Accounts

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