The majority of US online consumers are either currently leveraging the Internet for personal financial management (PFM) or are interested in doing so. Customers who manage their finances through PFM tools tend to be wealthier and more highly educated than the average US consumer; they therefore represent a valuable audience for banks to focus on. Companies can help consumers overcome barriers to PFM tool adoption by educating their customers, highlighting the advantages of PFM tools, and providing instructions on how to use PFM features.