Goals is a new feature in our latest digital banking update that applies to all MyState savings accounts – including Hello Saver. To start creating your saving goals, simply access Internet banking or make sure your mobile app is up to date by visiting your mobile app store and searching MyState Bank app. If the button says “update” select and download the latest version.

Once updated, log in as you normally would and on the “My Accounts” page select your savings account. When you’re on the savings account page you’ll see a green Goals icon at the top of the mobile banking app, or if you’re using Internet banking it appears on a tab at the top that says Goals. Select Goals and look for and tap the “+” in the mobile app or the “Add a goal” button in Internet banking. Once selected, follow the prompts to start creating your new savings goals.

A Smart split is a new savings feature that lets you automatically add money to your savings goals every time you make a new deposit into your savings account.

Once you start creating a new goal, you’ll be given the option to put money towards your goals “manually” or with a “Smart split”. If you select Smart split, you can decide how much of your new deposits will automatically go towards your goals.

If you’re moving money between goals (ie “Shuffle Money”) it should appear immediately. If you’ve made a new deposit into your savings account, this deposit will be processed overnight and will appear in the goals with Smart splits the following day.

If you want to move money out of your savings, to pay someone, a bill, or make a transfer to a different account, it will first come out of your left over (ie: the money in your savings account which isn’t allocated to a goal). If there isn’t enough money in your left over, the remainder will be taken out of your goals based on the percentage Smart split you have assigned to it. If a goal doesn’t have a Smart split applied (ie. it’s a manual allocation), the remaining amount will be taken from these goals evenly.

“Left over” is the term we use for all the money in your Hello Saver or savings account that’s not in a goal.

The Shuffle money feature in your savings account is what you use when you want to move money between one goal (or from your left over) into another goal. Shuffle money is different to a transfer (which is moving money from one account to another) and is only about moving money between goals in your Hello Saver or savings account.

Yes you can edit the name, target amount, date, and how you want to fund it (ie Smart split or manual). Deleting a goal is easy, just select the goal and you’ll see 3 icons at the top that say “Shuffle” (move money between goals), Edit (change the stuff mentioned above) or “Delete”. For Internet banking users these options will appear in the 3 dot menu that looks like this “…” which appears at the top next to your goal balance.

You can track your goal progress in two ways. The first is by selecting the insights icon at the bottom of the accounts page when you first log-in to the mobile banking app, or the “New insights” tile on Internet banking (on the top right of your “My Accounts” page).

Select this icon on the mobile app, or “view all” in Internet banking. On this page you’ll see a tile that gives you a snapshot of your goals and how much progress you’ve made towards reaching them.

The other way is to navigate to your goals by selecting your Hello Saver or savings account in the app or internet banking. When you select the savings account in your accounts page, tap on the Goals icon (app) or Goals tab (Internet banking), you’ll then get a break down of all your goals, and the progress you’ve made towards reaching them. It’s also here where you can edit your goal name, targets and funding settings.