Why Pocketnest at Element?

Pocketnest helps you take control of your financial life with AI-powered, personalized planning—backed by the trust and security of Element Federal Credit Union.

✅ Cover 10 key financial areas: budgeting, savings, retirement, debt, insurance, estate planning, subscriptions, credit, goals, and liquidity.
✅ Fill gaps in your financial plan—most people miss at least one critical step.
✅ Build lifelong confidence with easy-to-follow guidance.

How It Works

DIY Simplicity

No jargon. No fees. No complicated meetings. PocketNest guides you step-by-step—at your pace.

Smart Guidance

AI-driven insights, built on behavioral science, keep you motivated and nudge you toward better financial habits.

Security and Privacy

Your security is our top priority. PocketNest is fully encrypted, SOC II Type II certified, and uses enterprise-grade standards. Sensitive information is never shared without your consent, and your banking credentials are never exposed.

Member Benefits

• Available for all Element FCU members
• Clear, simple guidance – just 3 minutes per week
• Stress free financial planning that grows with you

Ready to Get Started?

Tell Pocketnest your goals – saving, retirement, debt payoff, and more.

Follow weekly nudges to build your confidence and financial health.

FAQ

Is Pockenest free?

Yes – Pocketnest is a no-cost benefit for Element FCU members.

How long does it take?

Pocketnest can help you pursue financial wellness in just 3 minutes a week. The platform—located inside Element Federal Credit Union’s Consumer Online Banking checking and savings menus—will walk you through all 10 themes of personal finance, identifying gaps in your financial plan and giving you custom recommendations to fill them.

How secure is it?

Pocketnest uses enterprise-grade best practices to protect user data. Data is encrypted both in-transit using TLS and at rest. The platform does not store institution login information and does not have access to generate any financial transactions on users’ behalf. Pocketnest follows the NIST security framework to guide security practices and governance. The platform is SOC II Type 2 compliant, completes third-party Pen-Testing, and is trusted by more than 50 enterprise institutions.

Who sees my information?

Only your financial institution and Pocketnest can see your data. Pocketnest only stores data crucial to users’ financial wellness journey—with explicit user permission. Securely stored in partnership with one of the largest data aggregators, Plaid, this data enables Pocketnest to provide users a highly interactive and productive online experience.

Questions? Call us at 304-721-4145 or email team@elementfcu.org.