phone with credit dashboard

Financial Health Suite FAQs

Got questions about our latest app features? We’ve got all the answers, Embers Members!
 

My Credit Manager

Basic
Access your free VantageScore® 3.0 Credit Score from Experian, which is updated monthly, right within your digital banking dashboard.
 
Premium
Access your Credit Score and receive credit score changes and credit report alerts immediately from all three credit bureaus, Experian, Equifax, and TransUnion. 
Each credit score is updated monthly. However, if you are on the Premium Plan, you will receive alerts immediately if there are any significant changes to your credit report from any of the three bureaus. 



This score is based on the VantageScore® 3.0 model. There are other scoring models and the credit score provided may not be the score used by lenders to make credit decisions.
You should contact the appropriate credit bureau for more information. 
 



Identity Protect

Basic Plan

Our free identity protection service monitors the your personal information on the dark web and alerts you to potential fraud.

Premium Plan

The Premium Plan also includes services such as SSN monitoring, change of address alerts, and identity restoration support in case of identity theft.

You will receive an alert in your entry tile anytime we detect unauthorized or suspicious use of your personal information, allowing you to take prompt action. 




From the dashboard in digital banking, click on “See more” within the Identity Protect tile,  then tap the "☰", from the health suite menu, tap "Identity Alerts." Here you can view all alerts related to your identity. 




Personal Info Protection

Personal Information Protection helps secure your personal information by identifying and removing your data from various data broker sites, minimizing your online exposure.




You can access a detailed summary by navigating to the Personal Info Protection view which lists all sites where your personal information has been found, along with the actions taken to remove or secure it.




Subscription Management

The subscriptions are refreshed daily for Premium Users. For Free Users, we will identify a cadence to refresh subscriptions after generating some test data.
Subscription Manager tracks a wide range of subscriptions including streaming services, software licenses, gym memberships, and other recurring charges linked to the user’s primary financial accounts.
The Financial Health Suite analyzes your transaction history within digital banking to identify recurring charges made to your Embers debit or credit card. Using advanced technology, it automatically detects and categorizes these subscriptions, even pulling in the subscription's logo to provide a clean, modern, and visually intuitive experience.


If you don't pay for your subscriptions using an Embers debit or credit card, the product won't show any subscriptions. 
Let’s say if there is a joint account let’s say of users A and B. If any of these users onboards this account, we will get all transactions (done by users A and B) on the account. This will help identify all subscriptions enrolled in by user A or B.



Student Loans











General Health Suite Questions

From the dashboard in digital banking, click on “View more” within the carousel component and navigate to the ‘Manage Account’ section in the left-hand menu bar. Click on ‘Edit plan’ and then ‘Change payment method’ to change which primary account the user wishes to pay from. If the user only has one primary account then they will not be able to change it at this time. 

From the dashboard in digital banking, click on “View more” within the credit and identity protection services tile and navigate to the ‘Manage Account’ section in the left-hand menu bar and click on ‘Edit plan’ and then “Cancel Premium Plan”.

Once you cancel, you will be downgraded back to the free version. If you wish to fully opt out, go back to the ‘Manage Account’ section to fully unenroll from the services. 




If you cancel your Premium Plan subscription you will continue to have access to the Premium features until the end of the billing cycle. At the end of the billing cycle you will be downgraded to the Basic (free) plan. 
You can unenroll from the My Account section. You can always enroll back in afterwards.