The holidays — gifts, travel, dinners, parties — add up fast. But setting a simple budget now can take the pressure off the season and set you up for a stronger start to the new year.

FSB I-banking online or in app gives you everything you need to see the big picture — and set yourself up for a smoother financial new year — in under 10 minutes.

🌟 The Real Payoff: Why It’s Worth the Few Minutes of Setup

• Clear overview — instantly. See all your accounts (bank, credit cards, loans, investments) in one place so you know exactly where you stand — savings, debt, spending, and total net worth.
• Better control — without micromanaging. Automatic categorization + spending limits means you don’t need to track every dollar manually; the system does the work for you.
• Smart habits, easily sustained. Once accounts are linked, everything updates automatically. Holiday budgeting becomes a habit you carry into the new year.
• Easier planning and goal setting. With full visibility, you can set realistic goals — pay off debt, save for a trip, build an emergency fund — and measure progress the smart way.
• Export flexibility. If you like to dive deeper or build custom reports, easily export your data for Excel or financial-planner tools.

💻 Ready to Start? It’s Easier Than You Think

1. Link your external accounts (checking, savings, credit cards, loans, investments, etc.)
   • From the “Financial Tools” section (or “Link Account”) in online banking, you can connect accounts from other financial institutions. Once added, those accounts appear alongside your existing bank accounts.
   • Don’t want auto-linking? You can also add manual accounts or assets so every piece of your financial life shows up in one place.
2. Set up your budget categories and spending limits
   • In the budgeting section (under Personal Financial Management / Budget), you choose categories — gifts, dining, travel, savings, whatever fits your lifestyle — and set a spending limit for each.
   • As transactions post (from any linked account), they’re automatically categorized so you don’t have to sort through spreadsheets.
3. Track spending at a glance — or export your data
   • View your full financial picture — balances, transactions, spending patterns — all on one home screen.
   • Want to analyze or keep your own records? You can export your aggregated data in common formats like CSV, Excel, OFX, QFX or QBO — perfect for custom reports or financial planning.

With just a few simple steps, you go from scattered accounts and unclear spending to a unified, organized financial snapshot — no spreadsheets, no juggling logins, no guesswork.

‍

🎁 Make Holiday Spending Simpler — and Start 2026 Strong

Budgeting doesn’t have to be a heavy project. With the tools built into I-banking, you give it a few minutes now — link your accounts, set your limits — and you’ve got a complete financial dashboard, automatically updating, that brings clarity and control back into your hands.

Give it a try this holiday season — your 2026 self will thank you.