Personal Capital FAQs

Personal Capital allows you to track Bank, Credit, Loan, Mortgage and Investment accounts. You can easily add an account by clicking the 'Link' (+) icon on the sidebar.

Before you begin: We can only track accounts that you already have online access to. This means you need to have a username and password for your financial institution before we can track it for you. Once you have your online access credentials you can proceed to add your financial institutions.

Step 1: Search for your financial institution by name, or you can enter the web address of their site; for example citibank.com

Step 2: Select the right account type. Many financial institutions have different products and product names. If you get a large number of account types returned try selecting to view just one type of account; Cash, Credit Cards, Loans, Investments

Step 3: Once you have selected the account type you now need to enter the credentials you use to log into that site so we can track it. When you enter your credentials and click 'Continue' we will attempt to contact your financial institution.

We go out and verify your credentials with your financial institution, in some instances your institution may need additional information for us to complete connecting to it. If so you will be prompted to provide additional information. If no additional information is required then we will skip Step 4 and return you to the search screen to add an additional account. We will also automatically look for any accounts you have with that institution. For example if you have a B of A Checking, Savings, Credit and Loan we will attempt to add all of those accounts so you don't need to search and add them.

Step 4: If additional information is required when we have completed adding your institution you can see what accounts were added on this step and select additional account types that you would like us to connect for you.

Update 11/21: Unfortunately ADP has not been responsive regarding a resolution for this issue. We are working on getting contact with the team at ADP re-established, but in the meantime we have disabled the site in our search. This means that if you do not have ADP currently linked, it will not show up in the site search in your dashboard.

For users who do have the account linked, we recommend marking the existing account as closed and adding it as a manual account. This way you can update the balance manually in the meantime.

We apologize for the inconvenience and we appreciate your continued patience!

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We are aware of an issue with syncing ADP 401K Participant accounts, and we are working with our aggregation team on a resolution. As soon as we have a resolution we will update this article. Thank you for your patience and understanding while we work on this issue!

We are currently aware of an issue in linking or updating users M1 Finance accounts. We are working with our aggregation team to resolve the issue and will update this article as we receive more information. Thank you for your patience and understanding while we work on this!

Navigate to the Cash dashboard by selecting your Cash account on the left-hand side of your dashboard.

Select Manage Account in the top right corner of your Cash account dashboard.

Select Transfer Funds in the drop down.

Select the linked account youd like to verify or edit in the From drop down.

Select your Cash account in the To drop down.

Input a dollar amount, check the authorization box, and click Submit.

A new window will populate on the right-hand side of your unconfirmed transfer showing your full linked bank routing number and partially masked account number. Click the Edit button to modify your linked routing and account number as illustrated below:

Our aggregation partners, Yodlee, do not currently have support for the Multi-Factor Authentication enabled by Wealthfront. In order to allow your Wealthfront account to update in your Personal Capital dashboard, please ensure that you have the Multi-Factor Authentication disabled at the Wealthfront site.

Here are the steps to reset the password for your Personal Capital profile:

Visit Personal Capital website

Click "Login"

Enter registered Email and click continue

Click "Forgot Password" and select from the following options to receive an authorization code

Text My Phone

Call My Phone

Enter the 4-digit code you are provided with and select "continue". If you do not receive the code you can utilize the "Resend" option or one of the "Switch" options.

Enter the credentials for the selected account from the list of your linked accounts.

If the account credentials are entered incorrectly this will cause the Personal Capital account to become locked again.

Enter your new password in both boxes and click "Continue"

Once you have completed these steps you will be logged into your Personal Capital dashboard.

Update: Our aggregation team has found that Optum Bank has currently enabled Google Captcha which is not currently supported by our aggregation software. We are working with Optum to create an authentication method that is specific to aggregators, but developing this will take time. Our latest word from Optum is that this feature will be available in the first quarter of 2020.

Unfortunately this means that there will likely be ongoing issues with Optum Bank accounts until this is developed. In the meantime, we recommend marking your existing Optum Bank account as closed, then add it as a manual account. This way you will be able to manually update your balance while the resolution for this issue is in the works.

How to Mark an Account as Closed in Personal Capital

How To Create a Manual Account

We are following this issue closely and as soon as we have an update on the new process we will update this page. Thank you for your continued patience while we work to resolve this issue.

The Detailed Cash Flow is available to help you understand the results of the Retirement Planner. There are various variables included in each column that may not be listed.

During ages that are part of your accumulation phase it will look like the following.

The Portfolio Values are the estimated value at the beginning of that year in the average and poor markets.

The Basic Saving or Retirement Spending column shows how much money is expected to be saved (during accumulation), or spent (during retirement). The values shown are post tax or the amount you actually expect to save or spend.

The Spending Goals show other expenses that you expect to experience, the values shown are post-tax.

Other Income events shows the income from other sources for each year. The value shown is the sum of all active income events for that year after they have been adjusted for taxes that may apply. Note that 85% of social security income is taxed in our calculations and the Required Minimum Distribution (RMD) is applied at age 70 1/2.

Cash Flow represents the total cash flow that is expected to move into or out of investment accounts. It is calculated as (Basic Saving or Retirement Spending) + (Other Spending Goals ) + (OtherIncome Events)

When Cash Flow is negative, taxes will be applied to the cash taken from investment accounts. The calculation for this row would result in -$17,791 that needs to be taken from investment accounts to cover the expenses in the other columns. Taxes will be applied to the withdrawals so the tax rate is applied to create the Cash Flow necessary to cover expenses plus taxes.

There have been reports that users with Capital One accounts are being asked for secondary authorization (MFA) multiple times. Capital One recently made some security changes, and your linked account will no longer update in your Personal Capital dashboard without secondary authentication. Were sorry for the inconvenience and are working with our aggregation partner, Yodlee, to resolve this issue.

To have proper account linking, Capital One will need to make changes on their end that are, unfortunately, beyond our control. We always value feedback from our users because it helps us work to create the best experience possible, and were sure Capital One would appreciate hearing your perspective as well

Please be assured that the secondary authentication is working as expected and your account should refresh once that step is completed. Note that you may have to complete this step several times over the next few days.

We are aware of an issue with updating Santander Bank accounts and we are working with our engineering team on a fix. As soon as we have an update on this issue we will update this space. Thank you for your patience while we work on this issue!

Personal Capital integrates with Zillow to retrieve the latest housing prices in the application. Please follow the steps below to add the value of your home in Personal Capital. Note that this functionality is currently available only on our web application.

Log in to Personal Capital

Click on the 'Link' (+) icon on the My Accounts panel (see below)

Click on 'More'

Choose 'Home' from the list shown

Enter your address and ensure that the 'Use Zestimate for home value' is checked.

Click Done.

Zestimate

Once the account is added, you should see the Zillow estimate in Personal Capital for your property. If you wish to disable the Zillow estimate in Personal Capital after the account is linked, click the pencil icon near the account and uncheck the 'Use Zestimate for home value' box and you can enter your own value.

Note that, if you had previously linked your home, and are enabling thefeatue, for home value you may see a increase/decrease in your Net Worth.

If your investment account is reporting incorrect balance, it is possible that the holdings/securities data is incorrect.

Please navigate to the 'Holdings' section and verify the values reported for price and quantity reported for each holding.

If the holdings information doesn't match the values that your financial institution reports, please contact support with the Account Name and the name/symbol of the incorrect holding to resolve the issue.

If the holdings information matches the values that your financial institution reports, please contact support with the Account Name to resolve the issue.

We now allow for exporting/printing of transactional data as well as the ability to export your Net Worth data. Currently, this functionality is limited to our iOS application, and will be available on Android in a future update.

To Export Net Worth Page Data:

While logged in through your iOS device, select the menu icon in the top left of screen and select 'Net Worth'.

Select the 'three dots' icon on the top right section of the Net Worth view.

Specify the date range desired from the list of available options, then select 'Export Document'.

Select your preferred exporting method, and then click on 'Export Document'. You should receive a .PDF file of your Net Worth page.

To Export Transactional Data:

While logged in through your iOS device, select the menu icon in the top left of screen and select 'Transactions'.

Select the 'three dots' icon in the top right section of the Transactions view.

Specify the date range desired from the list of available options, then select "Export Transactions".

Select your preferred exporting method, and then click on 'Export Document'. The transactions list should appear in a .CSV file.

When we pull in data for your accounts, we also check to make sure that each account we have linked to your dashboard is still open and active with your financial institution. If we are unable to locate an account at your institution but we have listed in your dashboard, we'll mark the account with a blue icon indicating that the account may be closed.

If the account is indeed closed at your financial institution, you can follow the steps outlined here.

Otherwise, please confirm that the account is open and active and contact support.

The first transfer into your Personal Capital Cash account may take between one and two business days.

Once you make your initial transfer into your Personal Capital Cash account, funds may be held for up to 3 business days before becoming available for a withdrawal. Additionally, Program Banks may require up to 7 business days notice before transferring funds back to your Personal Capital Cash account.

The Retirement Planner runs Monte Carlo simulations to deliver a robust, personalized retirement projection. The simulations begin with your Starting Portfolio and incorporate expected return and volatility, Annual Savings, Income (Income Events), Spending goals, Retirement Spending, Social Security, and tax rules for taxable, tax-deferred, and tax-free investment accounts. The projection is then displayed on a timeline from your current age to the Life Expectancy mapping both your Income and Spending goals throughout the Accumulation and Distribution phases.

Since the Apple Card does not have an online portal directly linked to the card, unfortunately it is not possible to link the card to your Personal Capital dashboard.

You can however add this account as an offline account so it will be tracked with your other online accounts and you will be able to see it in your Net Worth calculations. Note that you won't be able to track the transactions at this time but can see the value of the account. For instructions on how to add offline accounts please see our help article: Create a Manual Account

If you are seeing the error Incorrect Username/Password Error this is most likely the result of a mismatch between your credentials in Personal Capital and your credentials at the financial institution site.

The easiest way to confirm if your credentials are correct is to take the following steps:

1. Open up a text application on your computer (word, notepad, etc)2. Type up the username and password you use for your account3. Log into the your financial institution's site. Be sure to copy paste the username and password from your notepad4. Log Out of your account5. Log into Personal Capital at https://home.personalcapital.com 6. Click on the account in error7. Click the pencil icon8. Click "Edit Login"9. Update your credentials for the account by copying and pasting from the notepad

If you are still seeing an error message after following the steps above, please leave the account in error state and contact support.

Under the Income Events section, click on the + icon to add a new Income Event. Choose Other Income. In the Other Income dialog box, you can add a Description, Amount per Year and Frequency. Also you can tell the Retirement Planner when you will like this new income to start.

Under the Frequency field, you have two options: Every Year (forever) and Yearly for a set number of years (we will ask you to input the number of years at the bottom).

PNC Bank requires all users to complete secondary authentication for linking or refreshing the accounts in Personal Capital. Please complete the steps below to add a mobile number to you PNC Bank profile.

Login into PNC Online Banking: https://www.pnc.com/en/personal-banking.html

Post login, click on the 'Customer Service' tab.

Under the 'Customer Service' tab, click on the 'Two-Step Verification' link.

Under the 'Two-Step Verification' section, select the 'Security Settings' profile. Under this, click on 'Setup' of Additional Sign On Security block.

Click on the 'Enroll Mobile Device' link.

A pop up for 'Add a Mobile Number' will appear. Enter mobile number and click on 'Continue'.

PNC will send confirmation code to enter the mobile number, enter the code and click on 'Continue'.

On successful enrollment, 'Mobile device confirmed' message will appear.

Once you complete the steps above, log in to Personal Capital and try to link/refresh your account.

The Budgeting Widget on your Dashboard is a useful tool to see where your money is going at a glance.While at this time it is not possible to set specific budgeting goals, the Budgeting Widget is a great tool for seeing where in your budget you can make changes . Here you can see your Income and Expenses in a way to easily assess:

Guide:

How much you've spent in the past 30 days

Your monthly budget. You can edit this value by clicking the pencil icon

How much you've spent compared to last month

Your top 5 expense categories

Any remaining spending is grouped under "Other"

You can see a detailed breakdown of your cash flow by clicking the Budgeting link.

In addition to using security questions for secondary authentication, USAA also offers other (opt-in) security options. These options are CyberCode Text and CyberCode Token. Please see below for the instructions to link USAA account.

If you don't use CyberCode Text or Token for secondary authentication, please enter your Online ID, Password and PIN to link your account.

CyberCode Token

Enter your Online ID

Enter a dummy value in the Password field

Enter your 4 digit PIN in the PIN field.

Click Link

You will be prompted to enter the 6 digit token.

The account should update once you enter the token.

CyberCode Text

Enter your Online ID

Enter yourPassword

Enter a dummy 4 digit PIN

You will be prompted toenter your registered(with USAA) email address/phone number.

You will be prompted to enter the 6 digit token.

Click Link

Once you complete these steps, the account will link. If it doesn't please contact support.

Personal Capital's Technical Support team may be reached anytime from any application:

From the Web:

Click on the Help icon at the right bottomcorner of the screen and search for the content you need. If the articles presented aren't helpful click on the 'Contact Us' button to contact Personal Capital Support.

From Mobile Apps:

Go to the Settings feature of our iPad, iPhone or Android-based apps and tap on "Support Center" in the menu (for Android users, please click on "Personal Capital", then "Support Center". Tthen search for the content you need. If you are unable to locate the information you want, you can sendin your feedback or questions by selecting "Submit a Request". Your comments will generate a support ticket, including your contact information, so we may track your request through resolution.

Certain issues require research and, occasionally, changes to our software. Therefore our issue resolution times may vary, but we do our best to close the loop as quickly as possible.

We are currently experiencing an issue with the updating and linking of USAA accounts using theCyberCode Token option. While our engineering team is working on resolving this issue, we currently do not have an ETA for resolution. As workaround, we recommend using the CyberCode Text option provided by USAA.

As soon as we have an update we will update this space. We apologize for the inconvenience and we appreciate your patience and understanding!

Due to recent changes in our system, there is an issue in linking multiple accounts from Thrift Saving Plan which are divided by "Civilian" and "Military" type accounts. Although these accounts use separate logins with the same username, they are separated by a different password. Our Engineering team is working on this, but currently, we do not have an ETA to the resolution and recommend to add the second account as a manual investment account.

Please reference this article for updates.

We are aware of an issue with updating Synchrony Bank accounts, and we are working with our aggregation team on a resolution. As soon as we have a resolution we will update this article. Thank you for your patience and understanding while we work on this issue!

At this time transactions can only have a single category or type. However what you can do is create new custom categories which will allow you to further customize how you review your transactions.

For help setting categories, follow the steps here: How do I edit the category of a transaction?

You can read more about creating custom categories here: Create Custom Categories for Transactions

If you are missing an account, there is an easy way to get it linked up to your dashboard.

In the My Accounts list, click the "+" symbol

Search for your financial institution

Re-enter your credentials as if you were adding the account again.

This will force the account to re-sync and pull in any missing accounts, provided we support that account type. If you are still having trouble please contact support and let us know what type of account you are trying to link.

If you have an account that contribute's to your net worth in a non-traditional way (for example, a rental property, art or jewelry, etc.), you may want to track the value of this asset as a separate part of your net worth.

You can add these assets as a manual account to track in your Net Worth by taking the following steps:

1. Log in to Personal Capital2. Click on the 'Link' (+) icon on the sidebar 3. Click on More...4. Select the type of account you wish to add (home, car, etc)5. Enter the details for this asset6. Click 'Done' to save and add the account.

While this won't update the value of the asset automatically, you will be able to include it in your net worth for a more complete picture of your financial life.

Update: As of November 15, we are temporarily disabling the ability to add Discover Bank accounts. This is done at the request of Discover Bank while we continue to work with their team to resolve this issue. While we do not have an ETA at this time, as soon as we have more details about this error we will update this article.

If your bank, loan, mortgage, or credit card account is updated but is reporting an incorrect balance, please contact support.

If you investment account is updated but reporting an incorrect balance, please see t his article for troubleshooting steps.

Update (11/21): Betterment has moved to a more secured login process, and users will need to change their password at the Betterment site. Please try logging in to your account at Betterment then update your password. Once you have made this change, log out of Betterment and log in to your Personal Capital Dashboard to update your Betterment password there as well. This will allow the account to update and should resolve the error with your Betterment account.

In order to change your email, password, or pin, you will need to be logged in to your Personal Capital Dashboard. If you are having trouble logging in please Contact Support.

Email or Password Change

Please follow the steps below to change your email address registered in Personal Capital,

1. Log into Personal Capital

2. Navigate to the 'Settings' menu under your email address(see image below)

3. Click 'Edit' next to your email address or password. You will be asked to enter your Personal Capital password for security reasons.

4. Change the email address/password to the one you want to use and click 'Save'

You will receive a change notification at both, the old and the new email addresses.

Note: If you are a Personal Capital investment client, please contact your advisor for changing your login email address.

PIN Change

To change the 6 digit PIN used for accessing Personal Capital on your mobile device, go to Settings and click on 'PIN'.

If you have forgotten your current PIN, please see click on the 'Forgot PIN' link in the application to reset it.

If you want to add your account as a manual account before linking it directly to your Personal Capital account, please follow the steps outlined below :

1. Once you have logged into your Personal Capital account, adialog box will be at the forefront and will have a search engine. In the search engine you will need to type "MANUAL".

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2. This will bring up an empty search result window and there will be an option at the bottom of that window: "ADD MANUAL ACCOUNT".

3. Your next step will be to select the account type from the list provided. Once you select the account, enter the appropriate information and the account will then be created.

NOTE: This will not update the value of the asset automatically, however, you will be able to include it in your net worth for a more complete picture of your financial life. In order to get a better picture of your net worth with a manual account linked, you will need to update the overall balance periodically.

If you have already linked an account and need instruction on creating manual accounts afterwards, please follow the steps outlined in this .

You may have a spike or drop in your Net Worth if:

you recently transferred money between accounts

there was a reporting error for one or more of your accounts

To resolve these errors, please contact support with the name of the financial institution, the account name and the date(s) when you see the spike/drop.

If the financial institution for your investment account is currently not supported by Personal Capital, you can create a Manual Investment Holding within the application, so it can be included in your Net Worth and other calculations. You can add this account using either our web application or mobile applications. The steps for each are below.

Web Application (www.personalcapital.com)1. Log in to Personal Capital2. Click on the 'Link' (+) icon on the sidebar.3. Click on 'Add Portfolio'4. Enter the account name and the number (optional)5. Click 'Continue' to save and add the accountiPhone /iPad Application:1. Log in to the application.2. Go to Net Worth page.2. Scroll down to 'Link More Accounts' and select it3. Click on 'More'>'Manual Investment Holdings'4. Enter the account name and the number (optional)5. Click 'Continue' to save and add the accountAndroid1. Log in to the application.2. Select "Menu" button or action bar.3. Select "Link Account"4. Click on 'More'>'Manual Investment Holdings'5. Enter the account name and the number (optional)6. Click 'Continue' to save and add the accountOnce you have added the manual investment account please add your holdings by following the steps below after selecting the account in your Accounts panel:1. Select 'Add Holding'2. Type in the ticker or CUSIP3. Click Search and when the right one shows up (check description), click Done

Note: Cash Balances can be added at the top of the graph (Web Application) or Holdings List (Mobile Application) of the Manual account details page.

To edit the Holdings, Click or Tap on the holding to edit the Description, Shares, and Cost Basis.

Below are the steps to reset the PIN for the Personal Capital Mobile App in both iOS and Android devices.

On the screen that requests for a PIN, select the option that says 'FORGOT PIN' in the lower left.

Once you have selected this, three options will be displayed along the bottom. Selecting one of the following options will send you a 4 digit PIN reset code to the registered mobile phone number or email.

Enter the 4 digit PIN.

Once entered, provide the password for one of the linked financial accounts listed.

Enter in a new PIN and confirm entry when prompted.

After completing steps 1 through 5 on your device, you will receive a notice that the PIN has been changed.

Interactive Brokers utilizes three different forms of secondary authentication. Users are required to clear one of these to successfully aggregate their Interactive Brokers accounts with Personal Capital:1. Security Code CardAn "index number" is displayed on Personal Capital. You will have to enter the corresponding value for that index number from your security card. For more information, please consult Interactive Brokers' relevant support article. 2. Digital Security CardA 6-digit "challenge code" is displayed on Personal Capital. You will have to use this code in conjunction with your Digital security card to generate the required 8-digit code to aggregate your account.For more information, please consult Interactive Brokers' relevant support article. 3. IB Key ApplicationA notification will be sent to your mobile device (that is registered with Interactive Brokers.) You will need to authenticate twice (through the Interactive Brokers Key Mobile Application) and once through through the the aforementioned "challenge code" method to clear this form of secondary authentication. For more information, please consult Interactive Brokers' relevant support article.

If you want to edit multiple transactions with the same category, please complete the following steps in our web application at www.personalcapital.com.

Please log in to Personal Capital via a web browser on your computer (home.personalcapital.com)

Go to My Accounts panel

Click on the account in question

Click on the Pencil icon (just above the Date column)

Search for transactions that you want to edit and select the ones to edit using the checkboxes

Change the category by selecting the new category from within the drop down menu provided

Click the Done tab

There are many elements to the fees you pay; some are more clearly disclosed than others.The key components to the costs associated with investment accounts are:

The fees for the funds in which your account is invested. Fee information is indicated in the expense ratio column and is based on the fees disclosed by the fund providers.

Plan administrative and advice fees for retirement accounts. These are the fees that are passed on to you from the plan administrators and cover record keeping and advice. They can range from 0% in large company plans to over 1% in plans for smaller companies. We provide a slider that is pre-set which you can change to match your plan administrative and advice fees. For 401k plans, it should be available in the recently required disclosure statement or from your company's benefits administrator.

Unpublished fund fee data. Specialty funds may charge fees that can range from 0.5% to over 3% and are not plainly disclosed. For 401k plans, this data should be available in the recently required disclosures statement and on your plan administrators website. We allow you to set the fund fees for the group of funds for which there is no publicly available data.

We use your date of birth to determine your current age and selected investment account balances as a starting point for estimating the impact of fees on your retirement goals. We factor in the typical retirement age, expected annual future contributions (employee and employer), your selected risk tolerance, andreturn on investment based on historical trends and fund administrative and advice fees, some of which are based on specific funds you currently own in your retirement account(s). From this data we calculate your estimated annual contributions, earnings and the effect of fees on your total return over time and present this information graphically so you can easily see what you would have in retirement before and after fees. The information provided is for informational purposes only and is based on certain assumptions and historical data. Past performance is not necessarily indicative of future returns. No guarantee is made with respect to performance. You may wish to seek the advice of a professional in planning your retirement.

If you have duplicate accounts added to your dashboard, it is likely because:

The accounts are accessible with 2 different logins (such as a joint account)

The name or number of the account has changed

If the accounts are shared or are accessible with 2 different sets of credentials and you have linked both sets in Personal Capital, you can remove one instance of the account without impacting the other. We recommend that you review the 'Linked On' date for the account and retain the one the older one.

If the account name or number changed recently, Personal Capital will automatically create a new account to accommodate for this change. In this case, we recommend that you close the older account so the historical data can be retained in Personal Capital. New data will be aggregated in the newer account going forward.

You can delete any linked account from your list in Personal Capital. Once you delete an account, all the transactions and data associated with the account will be removed and cannot be restored.

The specific steps for deleting an account are listed below. This will only delete the account you complete this action for and not the other accounts linked under that financial institution.Web Application (https://www.personalcapital.com):

Log in to Personal Capital

Identify the account in question in the Account list on the left hand side and click the 'Pencil icon' next to the account name

Click the 'Remove' link in the dialog box.

Confirm the 'Remove' action

iOS:

Tap on the account you want to delete.

Tap on 3 dots towards the top right corner of the screen.

Tap on 'Edit Account'

Tap on 'Remove Account'

Android:

Log in to the app

Long press on the account you no longer want (new page will pop up)

Tap the trash icon

You will be asked to verify- tap Remove

KeyBank requires their users to enable their accounts for third party access if they would like to link to personal finance applications.

Please complete the steps below to enable third party access:

Log into the KeyBank.

Navigate to Manage Security.

Within the Third Party Access tab select Authorize Access.

Once completed, return to Personal Capital and link the Key Bank account.

As of September 11th, 2017, Capital One Bank has migrated their Capital One 360 accounts to their Capital One Bank site.

Bank accounts that were linked under 'Capital One 360' before September 11th, 2017, have been migrated to 'Capital One Bank' and should continue to update as expected.

If you are trying to link a new Capital One 360 account, please search for 'Capital One Bank' to link your account in Personal Capital.

Once you add the new accounts, be sure to mark the "old" 360 accounts as closed. You can read more about how to close an account here: How To Mark An Account As Closed In Personal Capital.

If you have participated in the Personal Capital Referral program but have not received your gift card, here are some steps to take to ensure you receive your gift:

Check your spam folder- sometimes emails will be automatically filtered to spam, so check for an email from [email protected]

Verify that you (or your referral) used the referral link. If you (or your referral) created the account without using a referral link, your account will not be eligible for the Referral Reward

Make sure that you (or your referral) have linked a unique investment account with a value greater than $1000 within 30 days of using the referral link

Review the Terms of Use (Section 27) and ensure that you (or your referral) have met all the requirements

Please note that all awards will be electronically delivered within six weeks from registration to the users email provided in the registration process.

Recently, Huntington Bank has made some changes to the requirements for linking your accounts in personal finance applications like Personal Capital. In order to link/update your Huntington Bank account in Personal Capital, you will need to enable a setting in your Huntington account. To enable this setting, please complete the steps below.

Log-in to Huntington Bank

Select the 'Customer Service' tab on the top menu

Under 'My Information', select 'Allow Financial Management Tools Access'

Review the 'Terms and Conditions'

Select the 'On' Option

Click 'Save'

Once you have made these changes, your Personal Capital account should link/update.

We suggest that you speak to someone on your advisory team directly about all of the different options available to withdraw funds from your Personal Capital investment account. If you are unsure of your advisory teams contact information, please email [email protected].

If you have closed an account in error or wish to change the close date on the account, you can still make changes by taking the following steps in the web application:

In your My Accounts panel, click the "+" symbol

Search for the Financial Institution where your account is held

Enter the login credentials you use to access the closed account.

Once this finishes syncing, the closed account will re-open, and you can make any necessary changes such as editing the closed on date.

We are aware of the issue with syncingof Home Point Financial accounts. We are currently working with our aggregation team on a resolution and will update this article as we receive additional information. Thank you for your patience and understanding while we work on this issue!

When you first add an account Personal Capital will retrieve 1-3 months worth of transactions, this varies by financial institution. Within each account type the type of information we will be able to display will differ as well. For example

Bank accounts: Not all financial institutions provide pending transactions (these are transactions that the bank is aware of but hasn't finalized yet, frequently they are debit card authorization). We will attempt to pull in 1 year of data, but how much data we can fetch is determined by the financial institution.

Credit Cards: We can provide your current interest rate for some credit cards but not all credit cards provide that information to us.

Loans & Mortgages:Not all financial institutions provide the breakdown between principal and interest, interest rates, and in some cases transactions aren't provided just the current balance.

Investments: We receive transaction dates, descriptions, action (buy, sell, reinvest, dividend, etc) shares and amount.

If you are missing current data or have incorrect data from your accounts please let us know and we will work to add it.

Note: Personal Capital currently does not allow for importing historical data from excel or other documents.