The award for best personal finance app goes to: Check (formerly Pageonce). Below are its incredibly useful features that will make your life easier.
Live Monitoring of Cash and Investment Balances
When you first set up the app, you link all of your accounts with it. It takes a few minutes, but it’s well worth it. Once it is linked, it keeps tabs on your cash and investment balances (even from several different financial institutions), so you don’t have to. This is much more convenient than logging into multiple accounts.
Reminders When Bills are Due
If you don’t use automatic bill payments, this feature why you must have this personal finance app. One of the most common hits to a credit score is paying bills late or not at all. Check reminds you via email and within the app itself so you never have to miss a bill again.
Pay Bills Inside the App
Once the app reminds you of a bill, an added convenience is the ability to pay it within Check itself without having to log onto the website of the company whose bill you will be paying. Payments from your bank account are free. This feature alone puts Check up there with the best personal finance apps. Using a credit or debit card incurs a fee, however.
Reminders when Funds are Low/Credit Limits Near
Again simplifying your life, especially if you have money spread out at a few institutions, the app will notify you if funds are low. You can then transfer funds and avoid getting hit with an overdraft fee. Additionally, the app will notify you if a credit limit is getting near. This will also help with your credit score, as an excessive ratio of credit used to credit available is also a hit on a credit score.
You can track your spending habits easily and see if you need to cut back in certain areas in this section. Check has reports for bills history, all your transactions, payment history, and where your money’s going. A common reaction of consumers after seeing such data is to be in shock at how much of their spending is going toward the small stuff rather than large purchases. Very useful.
Monitor Your Credit Score
For $6.99 per month, you can enroll in Check Credit Guard. This will entitle you to monthly credit reports from Experian, real-time fraud alerts, and $25,000 identity theft insurance.
Inside this tab, you will find offers where you can compare the most competitive rates on credit cards, insurance, mortgages, loans, brokerage accounts, savings accounts, and coupons for popular chains. Very cool.
The Bottom Line
Check is awesome and will make you fall in love with personal finance apps. Once set up, you’ll see your cumulative balances and bills all in one place, giving convenience and peace of mind. If you’re looking for the best personal finance app for android, iPhone, iPad, Blackberry, or Windows Phone, Check is an essential download.
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