SPOKANE VALLEY, Wash.-Online members have been quick to size up their spending habits but seem less inclined to pay their bills at Horizon Credit Union's website here.

More than 25% of online members are using Horizon's free personal financial management (PFM) tools, according to Brian Grytdal, VP-marketing. The $400-million CU launched PFM nine months ago, long before most financial institutions even considered it.

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