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.
Underlying-institution concentration map
Group accounts by the legal institution 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
Choose operational complexity—not urgency—to build a safer parallel-run window.
Planning horizon: approximately 4 weeks. Your actual timing depends on providers and payment counterparties.
- 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