AI flags what matters. Nothing else

Price hikes, new charges, free trials, rate drops, unusual spending. AI watches every account and only pings you when there's a decision or dollars on the line.

Bank alerts are noise. These aren't

"You spent $5 at Starbucks" is useless. AI sends alerts with dollar impact and a fix. Every alert is actionable or a number you actually care about.

See for yourself
Smart alerts dashboard showing actionable notifications

Real alerts, no noise

Only when there's money on the line or a decision to make.

Get Started

Last week, AI sent 3 alerts

Phone bill up $12. New $97 subscription. Savings rate dropped below 4%. Three alerts, three fixes, $143 saved. No spam in between.

Try it free
What alerts should I care about right now?

You have 3 active alerts with dollar impact:

  • $144/yr: Verizon raised your plan from $85 to $97 on Tuesday. Cheaper plans on your usage exist.
  • $97/mo: New Substack subscription auto-billed Wednesday. First-time merchant.
  • 0.30 APY drop: Marcus HYSA cut from 4.10% to 3.80% Thursday. SoFi and Wealthfront now pay 4.50%.

Two quieter signals suppressed (not worth your time). Want me to walk through the fixes in order?

Walk through the fixes
Type a message...

Four alerts worth your attention

Price hikes, caught early Every recurring charge, every bill, every utility. AI learns your normal band and flags spikes the day they happen.

Recurring screen

Free trials about to bill Three days and 24 hours before the first charge. If you miss it, AI still flags the charge when it lands.

Notifications screen

Rate drops and yield changes When a high-yield account cuts its rate, AI tells you. When a competitor raises theirs, AI shows you the move.

Accounts screen

Unusual activity New merchants, unusually large charges, duplicates. Flagged before you notice.

Home dashboard

Meet Thomas.
Built for this.

Thomas Personal CFO

Your default guide for the big picture. Spots what matters and helps you decide what to do next.

Mindset

Most money problems are smaller than they feel. Steady beats dramatic.

Decision logic

Full picture first: income, spending, savings, debt. Then the one or two moves that matter.

Communication Style

Calm, practical, hard to ruffle. No hype, no scare tactics.

Action bias

One move a month. Narrows to the next 30 days when things feel heavy.

Real feedback. See what people say

+$143 last week

Three alerts last week: phone hike, new subscription, rate drop. Three fixes, $143 back in my account. No noise between.

James Wilson

James Wilson

Accountant

Caught the trial

Money by Checkr pinged me 3 days before a $99 trial auto-billed. One tap and I cancelled. Would have paid for a whole year otherwise.

Sarah Thompson

Sarah Thompson

Teacher

Signal, no noise

Only alerts I get are ones I actually want. No 'you spent $5 at Starbucks.' Just moves with real dollars on the line.

Mike Rodriguez

Mike Rodriguez

Software Engineer

Financial intelligence for less than two coffees a month

Money by Checkr Free

Everything you need to get started.

What you get

  • Up to 5 bank & payroll accounts
  • Credit score & history
  • AI money guides & chat
  • Smart alerts & signals
  • Refresh anytime
  • Weekly & monthly reviews

Money by Checkr Pro

Your complete financial picture.

Early bird · 50% off

$4.99 / month

Billed annually at $59.88

What you get

  • Unlimited bank & payroll accounts
  • Export transactions to CSV
  • API access
  • CLI access
  • MCP access
  • Priority support

Questions & Answers

Only when there's something worth flagging. Typically a few a week. If nothing's moving, you won't hear from AI.

Yes. Granular controls for price hikes, free trials, unusual activity, rate changes, and more.

Push, email, or in-app. Your choice.

Yes. Banks alert you to every transaction. AI alerts you to money that needs a decision. Every alert comes with the dollar impact and the fix.

Yes. Set a rule, AI watches it.

Yes. Bank-level encryption. Read-only access. AI can see your money but cannot move it.

Make AI worry about your finances

Know what you're owed. Keep what you earn. See your net worth grow