watch every charge, catch forgotten subscriptions, and keep your spending honest, all from your texts.
folk texts when a big charge, new merchant, or forgotten renewal lands. no digging through a bank app three weeks later.
say the limit once. folk tracks it, warns you at 80%, and calls it the moment the next order pushes you over.
folk finds recurring charges, totals the monthly burn, and reminds you before the next renewal hits.
income, spending, savings rate, subscriptions, category changes, and the one habit worth fixing. folk does the math and tells you straight.
plaid handles sign-in. folk never sees or stores your password.
the connection can read transactions and balances. it cannot transfer funds.
encrypted, never sold, never used to train ai, and deleted when you disconnect.
the connection is read-only, your login stays with your bank, and disconnecting deletes the synced data.
let folk catch it while it’s happening.
