Now supporting 12,000+ financial institutions

Switch banks without missing a single bill.

SpendFlow finds your recurring payments, subscriptions, and auto-debits from your old bank, builds a clean checklist for your new bank to recreate in minutes — and then keeps watching your spending so you never get blindsided again.

Today: migrate with zero missed bills. Tomorrow: get clear, ongoing insight into where your money actually goes.

Get started →How it works

Why SpendFlow matters

A clean exit from your old bank. A smarter start at your new one.

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Before SpendFlow

  • ⚠️Manually hunt through 12+ months of statements
  • ⚠️Miss hidden auto-payments and subscriptions
  • ⚠️Surprise overdrafts and late fees at your old bank
  • ⚠️Weeks of confusion and follow-up calls
  • ⚠️No visibility into your actual spending patterns
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After SpendFlow

  • ✅Complete recurring payment inventory in seconds
  • ✅Clear action items for ACH, cards, and bill pay
  • ✅Printable migration checklist for your records
  • ✅Switch confidently in minutes, not weeks
  • ✅Ongoing insights into where your money goes

How SpendFlow works

Three simple steps to a seamless bank switch

1

Create your SpendFlow profile

Sign up, add an optional coupon, and tell us which bank you're moving to.

2

Connect your current bank

We securely read 12–24 months of transactions using Plaid — never your credentials.

3

Get your migration checklist

Review your complete migration checklist with action items for each payment type.

Recurring payments overview

24 found · $1,340/mo
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Netflix

Streaming

$15.99

Card

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Xcel Energy

Utilities

$127.00

ACH

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State Farm

Insurance

$189.00

ACH

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Planet Fitness

Fitness

$24.99

Card

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Spotify

Streaming

$10.99

Card

Showing 5 of 24 paymentsView all →

Trusted by leading financial institutions

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Community CU
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Ready to switch banks stress-free?

Get started in less than 5 minutes. No credit card required.

Get started now →