Decision tools
Test the costs and transition before changing accounts.
Every number below comes from your inputs. These tools do not estimate approval, legal insurance coverage, or undisclosed provider terms.
Fee-waiver breakeven
See whether your entered balance clears a reviewed waiver threshold.
Cash-deposit cost
Price deposit events above an included monthly allowance.
Plan-tier breakeven
Compare a paid plan’s fee premium with per-transaction savings.
Where is your cash actually held?
Group accounts by the actual bank holding the cash, where known.
This groups entered balances; it does not calculate insured or uninsured dollars. Confirm ownership category, aggregate deposits, sweep allocations, and current program disclosures.
Bank-switch transition checklist
Pick how complicated your setup is—not how fast you want to move—to get a realistic timeline for running both accounts at once.
Plan for about 4 weeks. Your actual timing depends on your providers and who you pay.
- 1
Inventory ACH, wires, checks, cards, payroll and tax links
- 2
Open and verify the destination account before moving critical flows
- 3
Move incoming funds and low-risk payments first
- 4
Run old and new accounts in parallel through at least one operating cycle
- 5
Confirm every recurring flow, preserve statements, then decide when to close