Become a TrendSetter Today!

See your bigger financial picture.

Use our Spending Habits tool to view and manage all your loan, credit card, and bank account balances and transactions in one dashboard, regardless of where you have the accounts. Track spending, monitor budgets, build your wealth, and more.

Bring your money management into focus.

Smarter Spending.

Track your spending habits, categorize purchases, set spending limits, and make every dollar count.

Better Budgeting.

Create a budget, tag your transactions to see where and how you spend your money, and bring your budget to life through an interactive cash flow calendar.

Bigger Goals.

Set s​avings or debt reduction goals, enter a date by which you want to accomplish the goal, and track your progress along the way. 

Bring your financial future into full view.

At BayFirst, we’re Here for What’s Next®, and that includes providing the technology you need to track your spending habits today and plan for tomorrow.  We are proud to offer some of the best online banking features available, designed to enhance your banking experience, help you stay connected to your finances, and keep you on track to reach your goals.

Financial management at your fingertips.

Say goodbye to the guess work with access to Spending Habits.

 

  • Add External Accounts: Link any account you can access online and view all your transactions in one place.

  • Spending Analysis: Identify spending patterns through intuitive charts and find areas for adjustment.

  • Budgeting: Set categories and monthly budgets, then monitor your spending to stay on track.

  • Cash Flow Management: Use an interactive cash flow calendar to make informed decisions on when to schedule bills and other spending. 

  • Goal Setting: Define and monitor savings objectives, such as building an emergency fund, paying off debt, or saving for a major purchase.

  • ​Transaction Categorization: Automatically sort your transactions into categories like groceries, dining, and utilities.

  • Alerts and Notifications: Set up text or email alerts about significant balance changes, spending limits, and more. 

  • Wealth Monitoring: Add up all your assets and debts to show you an up-to-date estimate of your net worth. 

  • Mobile Access: Get a 360-degree view of your finances anywhere, anytime, using the BayFirst App or online banking.


Ready to create a new habit?

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Have questions?

Spending Habits FAQs

Spending Habits is a free tool available to BayFirst customers enrolled in online and mobile banking. It is designed to give you a clear picture of your financial behavior. With Spending Habits you can track your spending across all your accounts (regardless of where you have them), automatically categorize expenses, set financial goals, create and monitor budgets, and work toward a better financial future.

Yes, Spending Habits is available exclusively to BayFirst customers. It can be accessed through online banking or using our app and used to efficiently track, categorize, and analyze your spending habits across all linked accounts. 

Getting started with Spending Habits is easy. You'll simply log into your BayFirst account, link your account(s) from other financial institutions, and then take advantage of all the tools and insights available to you under “Spending Habits" located in the navigation menu.

Absolutely. With Spending Habits, you can link and view all of your loan, credit card and bank account balances and transactions all in one place, including those from other financial institutions, giving you a complete view of your financial activity.

Yes. Spending Habits is built with advanced encryption and privacy protocols to keep your personal and financial information safe. 

Our Contact Center is always available to help, and we also have online resources and guides to help you utilize all the tools available to you.  See our latest Spending Habits Troubleshooting FAQ for answers to the most commonly asked questions.