Getting Started
SpendFlow helps you identify all your recurring payments so you don't miss any bills when switching to a new bank. The entire process takes about 5 minutes.
What you'll need
- A bank code from your new bank or credit union (required)
- Access to your current bank account (online banking credentials)
- A few minutes to review your recurring payments
Before you begin
Make sure you have your online banking login ready. SpendFlow uses Plaid, a secure service trusted by thousands of financial apps, to connect to your bank and analyze your transactions.
How It Works
Create your account
Sign up with your email to save your migration profile. Your data is encrypted and secure.
Enter your bank code
Enter the bank code provided by your new bank or credit union. This is required to continue.
Connect your accounts
Securely connect your bank and card accounts using Plaid. We analyze your last 24 months of transactions.
Review recurring payments
SpendFlow identifies all your recurring payments, subscriptions, and auto-debits. Review your complete migration checklist.
Payment Types We Detect
SpendFlow automatically categorizes your recurring payments to help you understand what action is needed for each one.
ACH Debits
Direct debits from your checking account, typically for loans, mortgages, insurance premiums, and utility bills.
Action needed: Update your routing and account numbers with each company.
Bill Pay
Payments you've set up through your bank's bill pay service to pay merchants directly.
Action needed: Set up new bill pay entries at your new bank.
Debit Card Charges
Recurring charges made to your debit card, such as subscriptions, memberships, and automatic renewals.
Action needed: Update your card on file once you receive your new debit card.
Subscriptions
Streaming services, software subscriptions, gym memberships, and other recurring subscription charges.
Action needed: Log into each service and update your payment method.
Security & Privacy
Your financial data security is our top priority. Here's how we protect your information:
Bank connection security
- Plaid integration: We use Plaid, the same service trusted by Venmo, Coinbase, and thousands of other apps.
- No credential storage: We never see or store your bank login credentials.
- Token encryption: Bank access tokens are encrypted using AES-256-GCM, the same encryption used by governments and financial institutions.
Data protection
- Password hashing: Your password is hashed with bcrypt (12 rounds) and never stored in plain text.
- HTTPS everywhere: All data is transmitted over encrypted connections.
- Secure sessions: We use JWT tokens with 30-day expiration for session management.
What we access
- •Transaction history (last 24 months) to identify recurring payments
- •Account names and types to show which account payments come from
What we never access
- •Your bank login credentials
- •Your account balances
- •Your full account numbers
- •Your ability to transfer money
Frequently Asked Questions
What is a bank code and where do I get one?
A bank code is a unique identifier provided by your new bank or credit union when you sign up for their migration assistance program. Contact your new bank to get your code. Without a valid bank code, you cannot proceed with SpendFlow.
Is SpendFlow free to use?
SpendFlow is provided as a service through participating banks and credit unions. Your new bank provides you with a bank code that grants access. Contact your bank to learn about their SpendFlow offering.
How long does the process take?
The entire process typically takes 5-10 minutes. Connecting your bank takes about 1 minute, and the transaction analysis runs automatically in the background.
What if SpendFlow misses a recurring payment?
Our algorithm analyzes 24 months of transactions and catches most recurring payments. However, very new subscriptions or irregular payments might not be detected. You can always manually review your bank statements to double-check.
Can I disconnect my bank after reviewing my payments?
Yes! Once you've reviewed your recurring payments, you can disconnect your bank account. Your payment data is saved to your account.
Does SpendFlow work with all banks?
SpendFlow works with most major US banks and credit unions through our Plaid integration. If your bank isn't supported, Plaid will let you know during the connection process.
Can I edit the recurring payments SpendFlow finds?
Yes! You can review all detected payments and deselect any that you don't want to include in your migration profile.
Is my data shared with anyone else?
We never sell or share your data with third parties for marketing purposes. Your financial data stays private.
Ready to switch banks?
Start your migration profile today and never miss a bill when switching to your new bank.