Checkbook - Accounts Tracker

UPDATED: Not sure if ownership of this app has changed but they’ve recently revamped it and the issues described below have been resolved. They do respond to feedback now and have been extremely helpful since implementing the new version. ORIGINAL: App does not calculate perfectly. Randomly I’ll notice my balance is off by a cent or two, I’ll search my bank statements trying to find the discrepancy, then give up and just add/subtract the pennies to balance it to my actual account record. I’ve done this for YEARS. Come to find out today, as I added a penny to balance it, it actually decreased the available balance and made no change at all to the cleared balance. I see now that many other reviews describe this same issue, but I had no idea. I attempted to send feedback and a bug report through the app only for the messages to be kicked back as undeliverable. So there is apparently no way to even report this and they’re clearly not reading these reviews or I imagine they would’ve fixed the issue by now. Super disappointing.

I had used up my checkbook register right at monthly bill paying time; and with coronavirus stay at home in place, I did not want to run to the bank looking for replacements. Instead I looked for an app that would satisfactorily take the place of the register. I tried several but this one was by far the best. My only complaint is how it is set up to track ‘cleared’ entries vs outstanding. I am used to balancing my checkbook by check-marking entries when they have cleared; therefore, I am continuing to do this. I just have to look at the app and reverse in my mind outstanding and cleared. It also helps me track my balance and keep it much more up-to-date as I just pull out my phone immediately to make an entry rather than taking the time to sit down to update my checkbook. It has also been a lifesaver since I broke my dominant hand wrist at the end of December which required surgery along with extensive physical therapy to regain use, and it is still very difficult for me to do the necessary writing to keep a checkbook register updated. I will never go back to the old way.

I wanted to try this app for a little bit before posting a review. I. Love. It. Some people on here probably grew up tracking purchases in a checkbook. I did not. Finally, I got sick of overdrafting, or living paycheck to paycheck. ACH payments aren’t instantaneous, and my water bill had to be paid with a check. And the utilities guy wouldn’t cash the checks until he had three or four at a time! I could probably fly by the seat of my pants as a teenager with my finances, but I now have two kids with activities fees and dances and field trips and it’s nice to know how much money I actually have as opposed to what the current balance is on my checking. Also, the ability to upload images is priceless. We recently opened an HSA, and I’ve been able to upload digital receipts of copays or prescriptions. I cannot stress enough how important it is as a millennial to have this app. It helped me get my finances under control, and now I’m getting out of debt as opposed to drowning in it. My husband and I haven’t used credit cards in a year, because now there are no more “surprises” that we have to make up for. We know how much money we have at all times. Love love love it. Worth every penny for the extras, too.