It’s Fine - Stay Tuned – Accounts 2 Checkbook Review

PART ONE: This app is basic, functional and seems to do what it advertises it will do. I see from comments and from the developers own update frequency, that there hasn’t been, nor will there be, much more development with this group of apps. On the other hand, we’ve all become so acclimatized to software that’s never really finished that we forget that, some products, including software products are done, completed, finished. This suite of apps could be one of those and if that’s even partially accurate, then I think the developer is to be commended. I’m personally beyond weary of buying product that’s never, ever finished. Bug fixes ... Well, up to a point there should be some exception of ongoing support, but after that point you get into the need for subscriptions, which I’m even more sick of than unfinished product. PART TWO: I’m an Ally customer and I use their app, and the only reason I even need to use a separate ledger for checking is because most financial institutions that develop apps don’t provide any sort of built-in ledger or way of keeping a running balance. I find this offensive because it sets up the client for failure and causes unnecessary complication to the end-user in trying to stay on top of what their actual, encumbered balance is. Why would they do this, because they’re now excused to charge the simply outrageous overdraft fees they believe they’re entitled to. I wanted to add “PART TWO” to this review for perspective. If you’re a customer of a bank that provides apps to their customers, demand that they include a built-in ledger that provides an upfront running balance showing all funds, not only those funds that are immediately withdrawn, but, also those funds which you have generated electronic payments for, or, hand-written checks for. Anything less is a scam and it’s about time ALL financial institutions that offer checking accounts grow up and honestly serve their customers. By the way, if you’ve never seen what I’m describing, check out Simple bank app. They feature a “Safe-to-Spend” visible balance that includes ALL funds that have been or are going to be withdrawn from you account. So why don’t I use Simple? I did for six years, then, for a reason I’m sure was all about the bank that backed them, BBVA Compass, they suddenly stopped offering any bill-pay features, promptly send all of their customers paper checks, and essentially said - Have a Nice Day! Other than that, I’d still be with them. Bottom line, stop letting your financial institutions set you up for failure by providing a feature that should, by now, be SOP. (Now I’m going to copy and past this to my Ally app review.)
Review by The Peab on Accounts 2 Checkbook.