Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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If you only have one Bank (Account) it is maybe fine.
But if you have multiple accounts (I have 4 Bank accounts for savings and another one for my shares), you would like to have one software/application to handle it. Like the one email client for your different email accounts.
Ah that makes sense. Right now I have one account, but it has multiple cards and pools of money under it (for lack of a better word).
So for me this is still easily managed, even with four bank accounts and about nine sub-pools under them collectively.
I guess I just got very lucky with the bank I've kinda stuck with just because it's what my mom got me over a decade ago.
Yup, I have a ridiculous amount (like 8? bank accounts and 15? credit cards), so having something that automatically pulls in transactions is nice.
That said, my main "bank" is a Fidelity brokerage, so I don't really need those other bank accounts to sync since they mostly exist for temporary transactions, such as Zelle and cash transactions (Fidelity doesn't support those) and transfers for bank account bonuses (I net a >$2k/year on that). And for credit cards, I mostly use 1-2 credit cards these days, the rest are mostly for signup bonuses.
So for me, the $1.50/month is totally worth it to keep track of all that nonsense. If I only had 3-4 accounts, I'd probably use something like GNUCash instead, but I have >20, and I will for the foreseeable future.
Why so many accounts and especially credit cards?
I mentioned it, but mostly signups bonuses.
For example, here are a few checking accounts I did recently:
I've closed Citi, but I'm keeping the others open for a bit before closing (branches are convenient for depositing checks around the holidays).
Likewise for credit cards, here are some I've done recently:
I actually use 2 banks (Fidelity brokerage for main, and US Bank for cash and zelle) and usually two credit cards (US Bank Altitude Reserve and some 2% card; was my Costco card and Citi double cash before I got the US Bank card). However, I have some category bonus cards I rotate in every so often, such as my Discover card, which is 5% at Amazon and Target through the end of the year.
Anyway, since I have so many accounts, I need something to keep track of them so I don't pay maintenance fees or miss a payment or something.
It sounds complicated, but I've automated pretty much everything, so I just check in every couple months or so. And I think it's worth the hassle because I make thousands every year on it.