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Activity Management System

What is AMS

AMS allows users to change transaction descriptions and categorize income and expenses. These changes are not reflected in the bank's official record of the account, nor are they even visible to bank employees. The changes are visible only to the user.

Accessing AMS

AMS can only be accessed by clicking on the account number or selecting the account from the drop down Accounts list and then selecting All Transactions from the Transactions menu.

Can AMS replace Quicken?

Generally, AMS cannot completely replace Quicken or other personal financial management programs because the only items which can be categorized are those which have gone through the bank as individual transactions. The user cannot add transactions which do not already exist in the account, nor can a single transaction be split into different categories. For example, if a user pays cash for something such as pizza, there is no way to enter that expense. If a user purchases both household items and food at the grocery store there will be only one total transaction to categorize.

With that in mind, there are two ways of defeating these limitations. A user might withdraw $50 from an ATM and then use it for dinner out at a restaurant. Even though the user spent cash, they can change the ATM Withdrawal description in AMS to the name of the restaurant, and categorize the withdrawal as Food and Dining/Restaurants. If both household and food items are purchased at the grocery store, the user can have them scanned separately at the checkout and pay each of the two totals with separate swipes of their debit card, producing two transactions, each of which can be renamed and categorized separately


Does AMS have any advantages over Quicken or other financial management programs

Yes, many. It is far easier to use. It is free to customers. The program never requires updating because the bank takes care of all maintenance. The program and the transaction data are stored on the bank's servers which means they are backed up and protected from intrusions, and would remain available and undamaged even if the user's computer is damaged or compromised by a virus.

Downloading to Quicken

Downloading AMS to Quicken will lose the categories. They will be replaced by Quicken categories. Any change the user made in a transaction description will be downloaded into Quicken as the Memo Line for the transaction. There is little point in downloading AMS to Quicken because the user likely intends to use quicken to categorize instead of AMS.

Downloading to a .csv File

Downloading AMS to a comma separated value (.csv) file will keep all transaction descriptions and categories as set by the user. This type of file typically opens in a spreadsheet program such as Microsoft Excel. The function works quite well.

Spending Report

The spending Report will show expenses in the 20 general categories. It will not break them down into the subcategories.

Category List and Sorting

Sorting by clicking on the headers in All Transactions will group all general category and then subcategory items together. For example if a user displays a full year and then clicked on "Category" in the header, all Food and Dining/would appear together and within that category all the subcategories such as Groceries or Restaurants would appear together.


AMS has 20 general categories and 152 line items


Auto and Transport

  • Auto and Transport
  • Auto Insurance
  • Auto Payment
  • Fuel
  • Parking
  • Public Transportation
  • Registration
  • Service and Parts

Business Services

  • Business Services
  • Advertising
  • Business Expense
  • Business Meals
  • Business Training
  • Business Travel
  • Computer Expense
  • Equipment
  • Legal
  • Marketing
  • Office Supplies
  • Payroll
  • Printing
  • Shipping
  • Web Hosting

Checks and Withdrawals

  • Checks and Withdrawals
  • ATM/Cash Withdrawal
  • Check

Education

  • Education
  • Book and Supply
  • Certification Exams
  • Professional Development
  • Student Loans
  • Tuition
  • Tutoring

Entertainment

  • Entertainment
  • Books
  • Concerts and Shows
  • Gambling
  • Movies and DVDs
  • Music
  • Newspapers and Magazines
  • Sporting Events
  • Video Games

Fees and Charges

  • Fees and Charges
  • ATM Fee
  • Bank Adjustment
  • Bank Fee
  • Finance Charge
  • Late Fee
  • Overdraft Fee
  • Trade Commissions

Financial

  • Financial
  • Emergency Fund
  • Financial Advisor
  • Health Savings
  • Insurance
  • Investments
  • IRA

Food and Dining

  • Food and Dining
  • Alcohol and Bars
  • Coffee Shops
  • Fast Food
  • Groceries
  • Restaurants
  • School Lunches

Gifts and Donations

  • Gifts and Donations
  • Birthday
  • Charity
  • Political
  • Religious
  • Wedding

Health and Fitness

  • Health and Fitness
  • Chiropractic
  • Dental Care
  • Doctor
  • Eye Care
  • Fitness membership
  • Health Insurance
  • Medical Bills
  • Pharmacy
  • Sports
  • Vitamins and Supplements

Income

  • Income
  • Deposit
  • Rental / Property
  • Bonus
  • Child Support Income
  • Gift Received
  • Interest Income
  • Investment Sale
  • Loan
  • Paycheck
  • Reimbursement
  • Returned Purchase
  • Sales
  • Social Security
  • Tax Refund

Kids

  • Kids
  • Allowance
  • Baby Supplies
  • Child Support
  • College Fund
  • Daycare
  • Kids Activities
  • Toys

Payments

  • Payments
  • Credit Card Payment
  • Loan Payment
  • Personal Payment

Personal Care

  • Personal Care
  • Cosmetics
  • Hair Laundry
  • Personal Hygiene
  • Spa and Massage

Pets

  • Pets
  • Pet Food
  • Grooming
  • Kennel / Boarding
  • Pet Supplies
  • Veterinary

Shopping

  • Shopping
  • Clothing
  • Electronics and Software
  • Housewares
  • Jewelry
  • Shoes and Accessories
  • Sporting goods

Taxes

  • Taxes
  • Federal Tax
  • Local Tax
  • Property Tax
  • Sales Tax
  • State Tax
  • Tax Preparation

Transfers

  • Transfers
  • External Account Transfer
  • Wire Transfer

Travel

  • Travel
  • Air Travel
  • Hotel
  • Public Transit
  • Vacation

Utilities and Services

  • Utilities and Services
  • Cell Phone
  • Electric Bill
  • Gas Bill
  • HOA Fees
  • Home Phone
  • Internet
  • Television
  • Trash Removal
  • Water Bill

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