FAQ - Personal Finance Manager

Q: How do I view more detailed information on my FHB Raymond James investment accounts?
A:

FHB Raymond James (RJ) Financial accounts are automatically retrieved when enrolling into the Personal Finance Manager and populated under the “Banking” section. To view detailed transactions related to your FHB RJ account(s), view current balance(s) and be able to view the funds that make up your account(s), we recommend you hide the auto populated FHB account(s) and add Raymond James an external investment account.

1. Select the “Settings” tab in Personal Finance Manager, “Profile & Accounts” will appear
2. Click on the arrow next to the RJ account to expand the information
3. Click the “Hide Account” button
4. Acknowledge the warning message – click “OK”
    Now your RJ account should not be listed on the Dashboard under “Banking”
5. Click “Add Accounts” on the Dashboard
6. Search for “Raymond James Investor Access”
7. Log into the site and answer any security questions or identity verification methods.
Note: Sometimes you may be required to enter more than one security question.

Now the RJ account should be listed on the Dashboard under “Retirement”.

Your RJ account should now appear on the “Investments” tab and the fund(s) that make up that RJ account will now be listed. To view the account name associated with the investment fund, click on the arrow next to the fund.

Q: What is Personal Finance Manager?
A:

The Personal Financial Manager is an account aggregation tool accessible through FHB Online. Personal Finance Manager allows you to organize your financial account information in one place, including banking, retirement, brokerage, credit card, mortgage, and other accounts, from over 17,000 financial institutions, giving you an integrated view of your overall financial picture.

Q: What are some of the Personal Finance Manager's key features?
A:

The Personal Finance Manager can provide you with a comprehensive view of your finances including balance and transaction information from accounts across multiple financial institutions. Users can also categorize transactions, track expenses, create budgets, and even set goals to monitor savings toward specific objectives.

Key features include:

  • Dashboard: a consolidated view of your assets and liabilities accessible online at financial institutions
  • Investments: details of your investment holdings across financial institutions
  • Accounts: list of all of the accounts that you have enrolled in Account Aggregation
  • Categories: automated and custom categories applied to your transactions
  • Search and Filtering: tools to help you find specific transactions
  • Budgets: set budgets and track spending in various categories
  • Goals: set savings goals and track progress toward those goals over time
Q: How do I enroll for Personal Finance Manager?
A:

To enroll in Personal Finance Manager:

  1. Login to FHB Online Banking.
  2. Click Personal Finance Manager in the navigation.
  3. Accept Terms & Conditions.
  4. Login with your FHB Online credentials. You will only need to do this during your first time using Personal Finance Manager or whenever you update your Online Banking password.

    Your Personal Finance Manager Dashboard will be automatically populated with your FHB Online Banking accounts. Please note: it may take several minutes for your FHB accounts to appear. Please do not manually add your FHB accounts.
Q: How do I un-enroll from Personal Finance Manager?
A:

To un-enroll from Personal Finance Manager, either send a secure message or call our FHB Online customer service at 643-4343 (or 1-888-643-4343 from the continental U.S., Guam and CNMI) to submit your request to be unenrolled. Note: When you un-enroll from the Personal Finance Manager, you will lose all your transaction history, goals, and budgets displayed in the Personal Finance Manager.

Q: Why can't I access Personal Finance Manager?
A:

If you get an error during your initial enrollment, please verify your credentials and try again. If you have correctly entered your user ID and password and encounter the following error, please contact Customer Service at 643-4343 (or 1-888-643-4343 from the continental U.S., Guam and CNMI).

The system is temporarily unavailable. We apologize for the inconvenience. Please try again at a later time. If you continue to experience difficulties, please contact Customer Support for further assistance.
Q: How do I add/view my First Hawaiian accounts in Personal Finance Manager?
A:

Once you enroll in Personal Finance Manager, all your First Hawaiian accounts linked to your online banking profile will automatically be populated. This may take several minutes depending on the number of accounts. If you are a newly enrolled FHB Online customer and enroll into Personal Finance Manager, it may take one business day to see all of your FHB account history. Going forward, account information will be automatically updated.

Q: How do I add/view my accounts at other financial institutions in Personal Finance Manager?
A:

Accounts from more than 17,000 finance-related companies including investment, retirement, mortgage, loan, real estate, etc. can be added to your Personal Finance Manager profile. Simply click on the Add Accounts button to start the process.

Q: Why are some institutions grayed out or not listed when I try to add accounts?
A:

Any institution with a “(!)” preceding its name and is grayed out or not listed in the Add Accounts list cannot be added to Personal Finance Manager for automatic updating; however, you can still track the value of those accounts manually as part of your overall financial picture by adding these accounts as Offline Accounts.

Q: Can I customize my Personal Finance Manager profile to only track certain accounts?
A:

Accounts attached to your Personal Finance Manager profile are based on your online profiles with the various institutions you added. If you would like to customize your account list go to Personal Finance Manager / Settings / Profile & Accounts and select the option to hide accounts you do not want to view via Personal Finance Manager. Accounts you choose to hide will no longer be visible in your Personal Finance Manager Dashboard and will no longer be displayed in your list of accounts and transactions. Any goals linked to the account that you created will be unlinked. If you choose to delete a non-FHB account, all information related to the account will be permanently removed, including your transaction history and any links to budgets and goals. First Hawaiian Bank accounts can only be hidden, not deleted.

Q: Can I add accounts or assets that I do not have website access to my Personal Finance Manager profile?
A:

Accounts and assets that cannot be added through Add Accounts can still be tracked in Personal Finance Manager via the Offline Accounts section. Assets can include anything from collections to automobiles. The value of Offline Accounts are assigned by the user and can be manually adjusted by the user at any time.

Q: Can I add my real estate property value to my Personal Finance Manager financial profile?
A:

Through a partnership with Zillow, real estate property values can be added to Personal Finance Manager to track the Zillow-estimated value, or Zestimate, of a property as part of a user’s financial picture. Zestimates are updated automatically as the property value adjusts at Zillow. The Add Real Estate function is accessible by clicking the house icon on the Dashboard.

Q: How is my account data obtained and updated?
A:

By providing your online credentials, Personal Finance Manager will communicate securely with your other financial institutions to obtain your external account balance and transaction information. Data is generally updated on a daily basis, and can be refreshed by the user “on-demand” anytime they are logged into the system.

Q: Is my external/added account information in Personal Finance Manager secure?
A:

We protect your external account information with the same level of care with which we protect your FHB account information. Your Authentication Credentials are only used by the system to obtain your Account Information. They are not viewable or accessible by anyone. Nor are account numbers for your external accounts visible or accessible by anyone.

Q: If I update any of my financial institution credentials (including FHB Online), do I need to update it in Personal Finance Manager too?
A:

In order to protect against unauthorized access, anytime your online credentials are updated, the new credentials have to be updated in Personal Finance Manager as well for access and tracking to continue.

Q: I see duplicate FHB accounts, how do I delete my duplicate FHB Online Banking accounts?
A:

If you used the Add Accounts to add your FHB Online Banking accounts upon initial enrollment to Personal Finance Manager vs. waiting for those bank accounts to populate the Dashboard automatically, you must delete the duplicate accounts.

  1. Select the “Settings” tab.
  2. Under the duplicate “First Hawaiian Bank” section, click the red “-“ next to the FHB Online Banking account.
  3. Click “Delete Account”.

A confirmation message should be displayed. You must perform these steps for each duplicate account.

Q: Why does it seem like I am able to delete my First Hawaiian Bank accounts in one session but the next time log back in, the accounts are displayed again?
A:

Accounts tied to your FHB Online profile cannot be removed from your Personal Finance Manager profile. If you try to remove them from your Personal Finance Manager, the accounts will sync up again during your next login.

If you no longer want wish to see a First Hawaiian Bank account in your Personal Finance Manager Dashboard, we recommend you hide the FHB Online account:

  1. Select the “Settings” tab.
  2. Select/expand FHB Online account.
  3. Click “Hide Account”.
Q: How do I nickname my accounts?
A:

To help organize/recognize your accounts, you can add nicknames to your accounts. Go to Personal Finance Manager / Settings, click on the arrow next to the account to expand the account information, add a nickname in the Account Name field and click “Save.”

Q: Why can't I access Personal Finance Manager using a Safari browser?
A:

Cookies and Cross-Site Tracking must be allowed in Safari before a customer can access Personal Finance Manager.

For versions 10.x, 11.x, and 12.x on Mac

  1. Click Preferences.
  2. Click Privacy.
  3. Under Website Tracking, uncheck “Prevent Cross-Site Tracking”.

Mobile Device Access to Personal Finance Manager may not display all sections of Account Aggregation properly. This service is best viewed on a Tablet or Desktop.

For version iOS10 on iPad

  1. Select Settings.
  2. Select Safari.
  3. Select Block Cookies.
  4. Select “Always Allow”.

For versions iOS11 and iOS12 on iPad

  1. Select Settings.
  2. Select Safari.
  3. Make sure “Block All Cookies” and “Prevent Cross-Site Tracking” are not enabled.
Q: Will Personal Finance Manager work on my mobile devices?
A:

Personal Finance Manager is optimized for use on a tablet via a mobile browser, but not a mobile phone. So at this time, we do not recommend viewing Personal Finance Manager on a mobile phone because of the small screen size. Most functions will work on mobile devices, although not all will work exactly as they do on a desktop.

Q: How much history is available in Personal Finance Manager?
A:

When you add External Accounts to Personal Finance Manager, up to 90 days of history will be available based on the institution the account is coming from. First Hawaiian Bank accounts will display transaction history from 1/1/2017. Once in Personal Finance Manager, the account history accumulates as the account data is updated. At any time, if an account is deleted from the system, all accumulated history for that account will also be deleted from the system. If you add an account or the service back to your profile, the account history will start anew.

Q: How do I search for transactions?
A:

You can search/filter through your transactions in two ways:

  1. Search by Category or Description - Enter a value in the Search field. Any transaction with a Category and/or Description matching that search criteria will be displayed.
  2. Filter transactions by any combination of Date Range, Accounts, and Categories.
Q: What do I do if I see error notifications on my Personal Finance Manager Dashboard?
A:

Account connectivity error notifications will appear under the Alerts section of your Personal Finance Manager Dashboard. To view error details, click “Resolve” or “View Details” for more information. Follow the on-screen prompts to correct the issue. You may want to try again at a later time as your financial institution may be temporarily unavailable. If you continue to receive error notifications that you are unable to resolve, please contact FHB Customer Service at 643-4343 (or 1-888-643-4343 from the continental U.S., Guam and CNMI) for additional help.

Q: Why am I receiving an Alert indicating "We are receiving a message that the site is unavailable. We will monitor and update the accounts when we are able to access (108)" after I changed one of my FHB Online Banking account's Account Type?
A:

Changing the Account Type may affect the ability to download your account information properly. If you receive this error after changing your Account Type – change the Account Type back and save.

Q: I received an error adding my property through Zillow and now there’s an Alert on my Dashboard. How do I remove this alert from my Dashboard?
A:

If you were unsuccessful in adding your property through Zillow once but later were successful, an Alert may still exist on your Dashboard.

There are two methods for removing that Alert from your Dashboard:

Method 1

  1. Select the “Settings” tab.
  2. Click the red “-“ (Delete Account icon) next to the Zillow account in error.
  3. Click “Delete Institution”.

Method 2

  1. Click “Resolve” on the Zillow Alert.
    -The Alert Details screen will appear prompting you to re-enter the same property.
  2. Fill out the property information again.
  3. Click “Submit”.
    -A warning message should appear indicating the property has already been added to your profile.
  4. Click “Delete” to remove the duplicate property.
    -At this point, the Zillow Alert should no longer appear on your Dashboard.
Q: What does the “(+)” and “(-)” next to each of my Account types represent?
A:

A “(+)” will display for assets and “(-)” will display for liabilities.

Q: How are transaction categories assigned in Personal Finance Manager?
A:

The system attempts to categorize transactions based on information the user enters into the system, as well as available merchant and industry information. The system-categorization may not always reflect what the user expects or wants it to be but users have the availability to change or reassign categories.

To change or reassign a transaction category:

  1. Click on the transaction
  2. On the Transaction Detail pop-up, select the new category
  3. You have the option to reassign this new category to a new transaction by checking the “Apply this category to new transactions that have the same description”. Note: Your new transaction description must match exactly in order for this new category to be applied.
Q: How do I customize my categories?
A:

Users have the ability to create and assign custom sub-categories to personalize their experience. To create a sub-category:

  1. Click the transaction you want to create a sub-category for
  2. On the Transaction Details pop-up, click “Add/Edit Your Categories”
  3. Select the category you wish to create a sub-category for
  4. Click “Add New Subcategory”
  5. Enter the new sub-category name
  6. Click the save icon to the right of your sub-category name

Your new sub-category should be displayed when you click on the Category drop-down.

Q: Why are some of my Budget items represented with the same color in the bar graph?
A:

Colors are arbitrarily assigned to your budgets and may vary as you add/delete budgets from your account. If you have numerous budgets defined, two budgets may be represented with the same color and appear side-by-side in the bar graph. If you hover over the bar graph, each budget and amount currently spent will be displayed.

Q: What month does the Cash Flow on my Dashboard represent?
A:

The Cash Flow Income and Expenses represent the current month’s transactions. To view previous month’s cash flow bar chart, go to the “Analysis” tab and filter by Cash Flow.

Q: Why does my Cash Flow total in the Analysis bar graph not match my Monthly Cash Flow total?
A:

Slight differences in totals may be attributed to when and how transactions are rounded.

Q: Why is there an “Other” category showing up in my Expenses?
A:

There are a maximum of 11 categories that can be displayed in the Top Expenses section of the Dashboard or when you analyze Expenses on the Analysis tab. When you have more than 11 categories to display, one of the 11 categories will be labeled “Other” and contain transactions that make up the extra categories.

Q: Why can’t I see the transactions that make up my “Other” category from the Top Expenses section of my Dashboard?
A:

You cannot view transactions that make up the “Other” category when you click on the “Other” category in the pie or bar chart displayed in the Top Expenses section of your Dashboard. In order to view the transactions that make up the “Other” category, go to the Expenses on the “Analysis” tab and then click the “Other” category.

Q: Can I view my previous month’s budgets?
A:

Budgets and budget graphs are only displayed for the current month. To view a prior month’s spending for a budget, go to the “Transactions” tab and filter your transactions by a specific date range and spending category.

Q: Why are my goal(s) missing a linked account?
A:

When you create a goal, you must specify a linked account. However, if you delete or hide that account, the link will be removed and the goal associated with that account will now display a Status = Missing Account.

To relink your account to a goal:

  1. Go to the “Goals” tab
  2. Click on the goal missing a linked account
  3. Select Linked Account
  4. Specify Allocation percentage
  5. Click “Save”
Q: In the Settings tab, my Progress bar shows “Your Profile is Incomplete”; however, I’m done adding my accounts. How do I complete my profile?
A:

You can check your profile progress by clicking on the profile bar graph. Click “I Don’t Have One” if you do not have that type of account or do not want to establish a budget or savings goal. Once you acknowledge each item, your profile will be complete. Note: You can always add to your profile at a later date.

Q: How do I print out information on Personal Finance Manager?
A:

To print your transactions:

  1. Go to the “Transactions” tab
  2. Specify search or filters to your transactions
  3. Click the “Print” icon
    Note: The data included in the Transactions portion will reflect data that you have filtered for within Personal Finance Manager.

To print your investments:

  1. Go to the “Investments” tab
  2. Click the “Print” icon

To print your account summary:

  1. Go to the Personal Finance Manager “Settings” tab
  2. In the Profiles & Accounts, click the account you wish to print
  3. Click “Print”
Q: Can I export data from Personal Finance Manager?
A:

Transaction information can be exported into an Excel or CSV file.

  1. Go to the “Transactions” tab
  2. Click the “Export” icon
  3. On the Export Transactions pop-up, specify the Date Range, Accounts, and Categories
  4. Select to export to CSV or Excel
  5. Click “Export”
 

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