What are Account Groups?

Account Groups allow you to pull together your spending for multiple accounts or individual accounts. You can create as many Account Group combinations as you need to view and manage your spending. Account Groups also allow you to view and compare spending based on categories to which your transactions are assigned. Account Groups may contain BBVA Compass accounts and external accounts from other banks you have added to Online Banking.

How do I create and manage Account Groups?
  • 1. On the Goals & Budgets page, locate the Manage Account Groups box in the upper right-hand corner of the page. Place your mouse over the link in that box and click.
  • 2. Click on the Add Group button at the bottom of the Account Groups box.
  • 3. In the Name box, you can enter the name of the Account Group you are creating (e.g. Checking Accounts).
  • 4. Under Assign Account, you will see all of your accounts associated with your Online Banking profile, as well as any external accounts you may have linked to Online Banking. Click inside the checkbox to select the accounts for your Account Group.
  • 5. Move your mouse over the Save button and click to save the Account Group you have created.
  • 6. You will be returned to the main Manage Account Groups page where all of the Account Groups you've created will be listed.
How do I edit or delete an Account Group?

NOTE: When deleting an Account Group, you will only be deleting the group that you created with the selected accounts. You will not be deleting those accounts from Online Banking.

  • 1. On the Goals & Budgets page, locate the Manage Account Groups box in the upper right-hand corner of the page. Place your mouse over the link in that box and click.
  • 2. Locate the Account Groups box which lists all of the Account Groups you have set up.
  • 3. To edit an Account Group, place your mouse over the Edit (pencil) icon and click.
  • 4. Inside the Modify Account Group section you may edit the name of the group and the selection of accounts.
  • 5. When finished, click the Save button to save the changes you have made.
  • 6. To delete an Account Group place your mouse over the Delete (X) icon and click.
  • 7. In the Delete Account Group section, verify that the group and the associated accounts are those you would like to delete. Then click your mouse on the Delete button.
  • 8. You will be returned to the main Manage Account Groups page where your remaining Account Groups will be listed.
What is the Spending Widget?

The Spending Widget, located at the top of the Goals & Budgets page, provides a quick snapshot of the spending history on your accounts. This information is displayed by pie chart, lists or a combination of both. Spending is shown based on the following criteria:

  • All of your combined accounts or each separate account in Account Groups you have added.
  • The top 12 transaction categories for Account Groups.
  • Different time periods that include This Week, This Month, This Year and All (complete history of the account).
What is the My Spending Comparison Widget?

My Spending Comparison allows you to compare your spending with the average spending of other BBVA Compass customers for each of the spending categories. The My Spending Comparison widget is on the right-hand side of the Goals & Budgets page.

  • 1. To begin a comparison, click your mouse on the down arrow in the Accounts drop-down box of the widget to display your accounts and Account Groups. Move your mouse over the account or Account Group you would like to include in your comparison, and then click to select.
  • 2. Repeat Step 1 for the Time Period and Category boxes to select the length of time you would like to view and the Spending Category you would like to compare.
  • 3. To choose a bar chart, table (list) or dual view of the spending comparison, click on the down arrow on the right side of the Compare to box then select the view you would like.
  • 4. In the bar chart view, your spending will be shown by a green bar, while BBVA Compass spending will be indicated by the blue bar. Hover your mouse over the green bar and you will see what percentage of how your spending compares to others.
  • 5. In the table view, your spending will be shown in a list. In the +/- column on the right side of the table, a green target icon indicates your spending matches that of others. An up arrow icon indicates your spending if above that of others. The down arrow icon indicates your spending is below that of others. Hover over any of the icons to see how your spending compares to others.

Goals

What types of Goals may I set up with my accounts?

You can create Custom Goals (Saving for anything you want), Saving for a New Car or Saving for Home Improvement by filling in the amount you want to save for that Goal. Specialized Goals provide additional fields of information to help you calculate your Goal Total. These are: Saving for a Vacation, Saving for College, Saving for Emergencies and Saving for a New Home.

How do I set up goals for Saving for a New Car, Home Improvement or Custom (saving for anything you desire)?
  • 1. On the Goals & Budgets page, scroll down to locate the Goals box. Click on the Set a Goal button.
  • 2. Click the down arrow in the Goal Type box to display the available types. Move your mouse over Custom Goal, then click to select.
  • 3. To name your Custom Goal, click your mouse inside the Title box. Type the name you would like to use as your title.
  • 4. Enter the amount you would like to save for your Custom Goal by clicking inside the Desired Amount box, and then enter the total dollar amount for the goal.
  • 5. Click your mouse inside the Goal Start Date box to choose the date you would like to begin saving for your goal. Select the date you would like to begin by clicking on that date in the displayed calendar.
  • 6. Click your mouse inside the Goal Target Date box to choose the date you would like to complete your goal. Select the target by clicking on that date in the displayed calendar.
  • 7. To select how often you would like to make contributions to your goal, click the down arrow in the Contribution Frequency box. Place your mouse over the desired frequency then click to select. You will then see the Period Contribution Amount field automatically filled in, calculated based on your frequency and goal amount entered previously.
  • 8. Select a priority level for your goal. Click your mouse on the down arrow in the Priority field to display three levels of priority - Low, Medium or High. Place your mouse over your selection and click to choose. This will help us calculate what percentage of money is removed from each of your Goals if money is withdrawn from your savings account for any reason.
  • 9. The Funding Account is the account you will use to fund your Goal. It can be either internal BBVA Compass account or one from another financial institution. To choose your Funding Account, click the down arrow in the Funding Account box. Move your mouse over the account you would like to use and click to select.
  • 10. A BBVA Compass Savings Account is required for a Goal Account. If you do not already have a BBVA Compass Savings Account, click on the Service Center tab at the top of the page, then select Apply for an Account. You can also call Customer Service at 1-800-COMPASS (1-800-266-7277) to apply.

    To choose your Goal Account, click the down arrow in the Goal Account box. Move your mouse over the account you would like to use and click to select.
  • 11. You can be notified when you reach certain milestones as you work toward reaching your goal. Those milestones are when you achieve 25%, 50%, 75% or 100% of your goal. In addition you can choose to be notified if a transfer for your goal was not completed successfully or when your goal is not achievable. You may click your mouse on the checkboxes for one or all of the milestones.

    To select where you would like to receive notifications about your goals, click the down arrow in the Notify Via box to display the email addresses that are associated with your account. Click the checkbox next to the address you would like to use for this notification.
  • 12. Place your mouse over the Save Goal button and click to save the goal you have just created.
How do I set up a Saving for Vacation Goal?
  • 1. On the Goals & Budgets page, scroll down to locate the Goals box. Click on the Set a Goal button.
  • 2. Click the down arrow in the Goal Type box to display the available types. Move your mouse over Saving for Vacation, then click to select.
  • 3. Duration, Number of Travelers and Cost per Traveler will be used to calculate the Desired Amount and Period Contribution Amount.

    Enter the length of your trip in the Duration box. Enter the total number of people going on the trip (including yourself) in the Number of Travelers box. Finally, enter the cost per person going on your vacation in the Cost Per Traveler box.
  • 4. To name your Save for Vacation Goal, click your mouse inside the Title box. Type the name you would like to use as your title (e.g. Family Trip to Europe), using between 2 and 40 characters.
  • 5. The Desired Amount box will be automatically filled in based on the information you entered in Step 3.
  • 6. Click your mouse inside the Goal Start Date box to choose the date you would like to begin saving for your goal. Select the date you would like to begin by clicking on that date in the displayed calendar.
  • 7. Click your mouse inside the Goal Target Date box to choose the date you would like to complete your goal. Select the target by clicking on that date in the displayed calendar.
  • 8. To select how often you would like to make contributions to your goal, click the down arrow in the Contribution Frequency box. You may select between Weekly, Twice a Month or Monthly. Place your mouse over the desired frequency then click to select. You will then see the Period Contribution Amount field automatically filled in.
  • 9. Select a priority level for your goal. Click your mouse on the down arrow in the Priority field to display three levels of priority - Low, Medium or High. Place your mouse over your selection and click to choose. This will help us calculate what percentage of money is removed from each of your Goals if money is withdrawn from your savings account for any reason.
  • 10. The Funding Account is the account you will use to fund your Goal. It can be either an internal or external account. To choose your Funding Account, click the down arrow in the Funding Account box. Move your mouse over the account you would like to use and click to select.
  • 11. The Goal Account is your Savings account that you want to use receive the funding for your goal. To choose your Goal Account, click the down arrow in the Goal Account box. Move your mouse over the account you would like to use and click to select.
  • 12. You can be notified when you reach certain milestones as you work toward reaching your goal. Those milestones are when you achieve 25%, 50%, 75% or 100% of your goal. In addition you can choose to be notified if a transfer for your goal was not completed successfully or when your goal is not achievable. You may click your mouse on the checkboxes for one or all of the milestones.

    To select where you would like to receive notifications about your goals, click the down arrow in the Notify Via box to display the email addresses that are associated with your account. Click the checkbox next to the address you would like to use for this notification.
  • 13. Place your mouse over the Save Goal button and click to save the Save for Vacation goal you have just created.
How do I set up a Saving for College Goal?
  • 1. On the Goals & Budgets page, scroll down to locate the Goals box. Click on the Set a Goal button.
  • 2. Click the down arrow in the Goal Type box to display the available types. Move your mouse over Saving for College, then click to select.
  • 3. Years Until College, Years in College and Cost per Year will be used to calculate the Desired Amount and Period Contribution Amount.

    Enter the number of years before the person you are saving for starts college in the Years Until College box. Enter the total number of years the person will be going to college in the Years in College box. Finally, enter the cost per year of attending the college Cost per Year box.
  • 4. To name your Save for College goal, click your mouse inside the Title box. Type the name you would like to use as your title (e.g. John's College Savings), using between 2 and 40 characters.
  • 5. The Desired Amount box will be automatically filled in based on the information you entered in Step 3.
  • 6. Click your mouse inside the Goal Start Date box to choose the date you would like to begin saving for your goal. Select the date you would like to begin by clicking on that date in the displayed calendar.
  • 7. Goal Target Date box will be automatically filled in based on the information you entered in Step 3.
  • 8. To select how often you would like to make contributions to your goal, click the down arrow in the Contribution Frequency box. You may select between Weekly, Twice a Month or Monthly. Place your mouse over the desired frequency then click to select. You will then see the Period Contribution Amount field automatically filled in.
  • 9. Select a priority level for your goal. Click your mouse on the down arrow in the Priority field to display three levels of priority - Low, Medium or High. Place your mouse over your selection and click to choose. This will help us calculate what percentage of money is removed from each of your Goals if money is withdrawn from your savings account for any reason.
  • 10. The Funding Account is the account you will use to fund your Goal. It can be either an internal or external account. To choose your Funding Account, click the down arrow in the Funding Account box. Move your mouse over the account you would like to use and click to select.
  • 11. The Goal Account is your Savings account that you want to use receive the funding for your goal. To choose your Goal Account, click the down arrow in the Goal Account box. Move your mouse over the account you would like to use and click to select.
  • 12. You can be notified when you reach certain milestones as you work toward reaching your goal. Those milestones are when you achieve 25%, 50%, 75% or 100% of your goal. In addition you can choose to be notified if a transfer for your goal was not completed successfully or when your goal is not achievable. You may click your mouse on the checkboxes for one or all of the milestones.

    To select where you would like to receive notifications about your goals, click the down arrow in the Notify Via box to display the email addresses that are associated with your account. Click the checkbox next to the address you would like to use for this notification.
  • 13. Place your mouse over the Save Goal button and click to save the Save for College goal you have just created.
How do I set up a Saving for Emergencies Goal?
  • 1. On the Goals & Budgets page, scroll down to locate the Goals box. Click on the Set a Goal button.
  • 2. Click the down arrow in the Goal Type box to display the available types. Move your mouse over Saving for Emergencies, then click to select.
  • 3. Monthly Spending and Months Without Income will be used to calculate Desired Amount.
  • 4. Enter the amount of you spend each month in your household in the Monthly Spending box. To choose the amount of time that you might be without income, click the down arrow in the Months Without Income box. Place your mouse over one of the time periods displayed, then click to select.
  • 5. To name your Save for Emergencies goal, click your mouse inside the Title box. Type the name you would like to use as your title (e.g. Rainy Day Fund), using between 2 and 40 characters
  • 6. The Desired Amount box will be automatically filled in based on the information you entered in Step 3.
  • 7. Click your mouse inside the Goal Start Date box to choose the date you would like to begin saving for your goal. Select the date you would like to begin by clicking on that date in the displayed calendar.
  • 8. Click your mouse inside the Goal Target Date box to choose the date you would like to complete your goal. Select the target by clicking on that date in the displayed calendar.
  • 9. To select how often you would like to make contributions to your goal, click the down arrow in the Contribution Frequency box. You may select between Weekly, Twice a Month or Monthly. Place your mouse over the desired frequency then click to select. You will then see the Period Contribution Amount field automatically filled in.
  • 10. Select a priority level for your goal. Click your mouse on the down arrow in the Priority field to display three levels of priority - Low, Medium or High. Place your mouse over your selection and click to choose. This will help us calculate what percentage of money is removed from each of your Goals if money is withdrawn from your savings account for any reason.
  • 11. The Funding Account is the account you will use to fund your Goal. It can be either an internal or external account. To choose your Funding Account, click the down arrow in the Funding Account box. Move your mouse over the account you would like to use and click to select.
  • 12. The Goal Account is your Savings account that you want to use receive the funding for your goal. To choose your Goal Account, click the down arrow in the Goal Account box. Move your mouse over the account you would like to use and click to select.
  • 13. You can be notified when you reach certain milestones as you work toward reaching your goal. Those milestones are when you achieve 25%, 50%, 75% or 100% of your goal. In addition you can choose to be notified if a transfer for your goal was not completed successfully or when your goal is not achievable. You may click your mouse on the checkboxes for one or all of the milestones.

    To select where you would like to receive notifications about your goals, click the down arrow in the Notify Via box to display the email addresses that are associated with your account. Click the checkbox next to the address you would like to use for this notification.
  • 14. Place your mouse over the Save Goal button and click to save the Save for Emergencies goal you have just created.
How do I set up a Saving for New Home Goal?
  • 1. On the Goals & Budgets page, scroll down to locate the Goals box. Click on the Set a Goal button.
  • 2. Click the down arrow in the Goal Type box to display the available types. Move your mouse over Saving for New Home, then click to select.
  • 3. Home Price, Percent Down Payment and Closing Costs will be used to calculate the Desired Amount.

    Enter the purchase price of the new home in the Home Price box. Enter the percent of the purchase price for which you would like to save for making a down payment in the Percent Down Payment box. Finally, enter the amount for expected closing costs associate with the home purchase in the Closing Costs box.
  • 4. To name your Saving for New Home goal, click your mouse inside the Title box. Type the name you would like to use as your title (e.g. Dream Home), using between 2 and 40 characters.
  • 5. The Desired Amount box will be automatically filled in based on the information you entered in Step 3.
  • 6. Click your mouse inside the Goal Start Date box to choose the date you would like to begin saving for your goal. Select the date you would like to begin by clicking on that date in the displayed calendar.
  • 7. Click your mouse inside the Goal Target Date box to choose the date you would like to complete your goal. Select the target by clicking on that date in the displayed calendar.
  • 8. To select how often you would like to make contributions to your goal, click the down arrow in the Contribution Frequency box. You may select between Weekly, Twice a Month or Monthly. Place your mouse over the desired frequency then click to select. You will then see the Period Contribution Amount field automatically filled in.
  • 9. Select a priority level for your goal. Click your mouse on the down arrow in the Priority field to display three levels of priority - Low, Medium or High. Place your mouse over your selection and click to choose. This will help us calculate what percentage of money is removed from each of your Goals if money is withdrawn from your savings account for any reason.
  • 10. The Funding Account is the account you will use to fund your Goal. It can be either an internal or external account. To choose your Funding Account, click the down arrow in the Funding Account box. Move your mouse over the account you would like to use and click to select.
  • 11. The Goal Account is your Savings account that you want to use receive the funding for your goal. To choose your Goal Account, click the down arrow in the Goal Account box. Move your mouse over the account you would like to use and click to select.
  • 12. You can be notified when you reach certain milestones as you work toward reaching your goal. Those milestones are when you achieve 25%, 50%, 75% or 100% of your goal. In addition you can choose to be notified if a transfer for your goal was not completed successfully or when your goal is not achievable. You may click your mouse on the checkboxes for one or all of the milestones.

    To select where you would like to receive notifications about your goals, click the down arrow in the Notify Via box to display the email addresses that are associated with your account. Click the checkbox next to the address you would like to use for this notification.
  • 13. Place your mouse over the Save Goal button and click to save the Save for New Home goal you have just created.

Budgets

What types of Budgets can I set up with my accounts?

You can create many types of budgets using your BBVA Compass accounts. Budget categories can be used to set up a budget based on expenses, income, transfers and deferred compensation (e.g. retirement accounts). These categories are automatically assigned to your account transactions as they are processed. When a withdrawal occurs, the individual transaction is posted to the budget category, and then applied to your own budget. You can track your budgets on a monthly basis or on a customized time period that you determine.

How do I create a Budget?
  • 1. On the Goals & Budgets page, scroll down to locate the Budgets box. Click on the Create Budget button.
  • 2. Place your mouse over the down arrow in the Budget Category box and click to display budget categories and sub categories. Move your mouse over the category for which you would like to create a budget and click to select.
  • 3. The Budget Timeframe for tracking your budget can be for an indefinite period of time by selecting Custom. If you choose Monthly, your budget will be tracked from the 1st day to the last day of each month. Click Custom or Monthly to select.
  • 4. Click your mouse inside the Amount box and enter the dollar amount you would like to budget for the category that you have chosen.
  • 5. If you selected the timeframe for your budget as Monthly in Step 3, you will see a Rollover displayed next to the Amount box. By selecting Rollover any amount over or under your budget for that category will be carried to the next month. If you overspent your budget, that amount will be deducted from the next month's budget. If you did not spend your entire budget, the surplus will be added to the next month's budget.
  • 6. In the Account Group box, you can select all of your accounts or the account groups that contain certain types of accounts. Click your mouse on the down arrow in the Account Group box to display the choices. Then move your mouse over the item you would like to select, and click.
  • 7. You can be notified when you reach certain milestones in spending from each of your budgets. Those milestones are percentage of total budget spent, 25%, 50%, 75% or 100%. Click the down arrow in the Notify Me box and select one or all of the budget milestones.

    To select where you would like to receive notifications about your budgets, click the down arrow in the Notify Via box to display the email addresses that are associated with your account. Click the checkbox next to the address you would like to use for this notification.
How can I track my Budgets?
  • 1. On the Goals & Budgets page, scroll down to locate the Budgets box. All of the budgets you've created will be visible.
  • 2. At the top of the Budgets box two amounts will be listed. The Total Spent amount will indicate how much has been spent at present across all of your budgets. The Total Budgeted amount indicates the grand total of all the budgets you've created.
  • 3. The numerical information for each budget is located on the right-hand side, above the color-coded progress bar. You can view the amounts in dollars that you have spent for each budget as compared to the total amount you designated for that budget (e.g. $55.00 of $100.00).
  • 4. Each budget is represented by color-coded progress bars and is named based on the budget categories you used when setting up your budgets. The colors of each bar represent levels of spending per budget. Green indicates you have spent less than or equal to 50% of the budget. Yellow indicates you have spent 75% of the budget. The Red (Rose) color indicates that you've spent 100% or more of the budget.
How can I view transactions that have posted and are associated with a particular Budget?
  • 1. On the Goals & Budgets page, scroll down to locate the Budgets box. All of the budgets you've created will be visible.
  • 2. There is a plus sign (+) located next to each budget you have listed. Place your mouse over the plus sign (+) and click to reveal transactions that have been associated with that budget. The list of transactions begins with the most recent posted transaction to your account.
  • 3. If you would like to view more transactions associated with that budget, place your mouse over the View More Transactions button and click. Additional transaction will be listed just below the original list that you viewed.
  • 4. To hide transactions that you've viewed for a particular budget, place your mouse over the minus sign (-) next to the Budget name and click. The transactions will collapse, with only the color-coded progress bar will then be visible.
How do I edit or delete a Budget?
  • 1. On the Goals & Budgets page, scroll down to locate the Budgets box. All of the budgets you've created will be visible.
  • 2. To edit a Budget, place your mouse over the Edit (pencil) icon next to the budget you would like to modify and click.
  • 3. Inside the Edit Budget section you may edit any of the elements that are included in your budget.
  • 4. When finished, click the Save Budget button to save the changes you have made.
  • 5. To delete a Budget, place your mouse over the Delete (X) icon next to the budget you would like to remove and click.
  • 6. A white popover window will appear with information regarding what will happen if you delete a budget. If you want to continue to delete that budget, place your mouse over the Delete button and click.
  • 7. A confirmation page will display if the budget was deleted successfully.
  • 8. Click your mouse on the OK button to be returned to the main Goals & Budgets page.
Need online banking assistance? Call us at 1-800-273-1057
Monday to Friday 7 a.m. to 10 p.m. CT
Saturday 8 a.m. to 4 p.m. CT