Budgeting & Financial Tools

Brighten your financial journey with tools that make budgeting and saving effortless

Take control of your money without the stress.

Managing money shouldn’t feel like a second job. That’s why Luminate Bank gives you Financial Insights—a smart, seamless way to see your full financial picture.


With Insights, all your accounts (even from other banks) connect into one dashboard, so you get clarity, control, and confidence without the app-hopping.

Your Money, Smarter

It’s all about helping you feel more confident and in control, without the stress. We’ve built Insights right into your online and mobile banking, making it simple to:

Icon of a house, heart, dollar sign, apple, and shirt connected by lines, depicting needs and finances.

Track your spending across categories

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See your complete financial picture in real time

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Understand where your money is going, and where it could be working harder

Black and white calendar icon.

Plan ahead with budgets, alerts, and personalized tips

Plan With Confidence

Your financial plan doesn’t have to be perfect from the start. With Insights, you can:



  • Set budgets and follow your progress automatically
  • Refine your spending categories over time
  • Create both short- and long-term savings goals
  • Get alerts for unusual activity or upcoming bills

Insights gives you the tools to make confident financial decisions. The built-in spending wheel and dashboard show you where your money goes from day one. Once you’re set up, tracking progress and adjusting your plan is a breeze.

Spend Smarter

Ready to get started?

Getting started is simple:


  1. Log in to luminate.bank or open your mobile app.
  2. Tap the “Insights” tab in your dashboard
  3. Start exploring your personalized money management tools


Your financial future is just a few taps away. And if you ever have questions, our team is only a message away.

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