# Fruitful: Finances figured out — Talk, Track, Invest, & Save > Financial guidance and banking products for Fruitful members. (iPhone/iPad app by Fruitful, Inc..) - Source: https://appshunter.io/ios/app/fruitful-finances-figured-out/id6469853675 (this page in markdown: same URL + `.md`) - Developer: [Fruitful, Inc.](https://appshunter.io/developer/1610599236) - Category: Finance, Education - Price: Free - Rating: 4.00/5 from 37 App Store ratings · 15 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 79 MB - Languages: American English - Released: 2024-03-27 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/fruitful-finances-figured-out/id6469853675/reviews.md ## What is Fruitful? The Fruitful mobile app is available exclusively to Fruitful members who have signed up at fruitful.com to access 1-to-1 financial guidance from a CFP® professional and Fruitful banking products. Please log in using your member username and password to schedule 1-to-1 video sessions, chat with your Fruitful Guide, and engage with Fruitful financial products. IMPORTANT INFORMATION Product images are provided by Fruitful for illustrative purposes and not an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. "Fruitful" refers to Fruitful, Inc. and its wholly-owned, affiliated, and separately managed subsidiaries, Fruitful Financial, LLC and Fruitful Advisory, LLC, an SEC-registered investment adviser. To learn more about Fruitful Advisory, LLC please view its Form ADV Part 2 and Form CRS available at www.adviserinfo.sec.gov. Registration with the SEC does not imply any level of skill or training. All investing involves risk, including the risk of losing the money you invest. Only members of Fruitful, Inc. have access to products and services across the Fruitful affiliates and subsidiaries. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER® certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. The Fruitful Card is issued by Emigrant Bank pursuant to license by Mastercard International Incorporated. (1) The Annual Percentage Yield (APY) is accurate as of March 27, 2026. The interest rate and corresponding APY is variable and set at our discretion. Interest is compounded daily and paid monthly. Interest rates may change as often as daily without prior notice. Fees may reduce earnings. (2) To be eligible for 2% cash back. Members must receive a qualifying direct deposit to a Fruitful Cash Account. See full Fruitful Card Rewards Program Terms and Conditions. See additional important details about Fruitful at fruitful.com/legal. ## Key features - 1-to-1 financial guidance - Schedule video sessions - Chat with financial guide - Fruitful banking products - Investment and savings tools ## Recent user reviews (10 of 15) All indexed reviews: https://appshunter.io/ios/app/fruitful-finances-figured-out/id6469853675/reviews.md ### 1/5 — Charge me even though I canceled *2026-07-02* I sent an email on June 22 canceling my membership and didn’t even get a response and they continued to charge me $135 on July 2. Predatory, I will be disputing with my bank do not fall for the free trial. ### 2/5 — Problem in app *2026-05-18* Can not get into profile on app cause I can’t get past entering code from email. There’s a glitch ### 1/5 — Deceptive *2026-05-11* The app offered a 14 day trial. I signed up and it attempted to bill Me overnight. When I canceled my appointment it kept glitching and I couldn’t submit a comment in the comment section. ### 1/5 — Finance *2026-05-02* App does not work with new update. Please fix it. ### 5/5 — Unmatched Features with High Interest and Cash Back *2026-03-12* I’ve literally done the math on every possible scenario and utilizing Fruitful for my finances has been the best possible way to utilize my spending on my debit card purchases because I get 2% back on everything through them additionally with the high 4% interest rate on every single account that you have with them is absolutely insanely good. Even after you pay their annual fee, I still will come out ahead. They’re definitely worth taking a look. 🍒🍓🍇🍎🍉 ### 2/5 — Oops *2026-01-26* Got with them because I was terrible with my finances. Everything went well until I didn’t pay the fee (I’m terrible with finances). After I switched to the right card for the fee to be charged, they had already closed my account. ( this was my fault not blaming them for this particular part. Howeverrr….) theyve held my money hostage for like 4 days, I can’t transfer it out, the cards don’t work my money is just sittin there. If my account is closed why has my money not been transferred out already or why was that not an option provided to me to do myself. I tried and it continuously rejects me. Decent idea, but after havin my money kidnapped I think I will just figure this out on my own… ### 5/5 — Best financial service ever *2025-11-07* This is honestly a great service. The advisers that they have are incredible, and really understand your situation. Collin is the man !! ### 3/5 — App is fine, but doesn’t play with other budgeting apps *2025-10-22* I like fruitful overall as a service, having a CFP is great and the automations for banking are superior feature that no other consumer bank offers. HOWEVER, fruitful doesn’t integrate well with other budgeting apps. I use CoPilot to analyze my data, and fruitful doesn’t send any transaction details out through Plaid. So all my transactions just read as “Debit” outside of Fruitful. This basically ruins my entire personal finance workflow. ### 2/5 — App is so glitchy *2025-07-23* The app has been so difficult to navigate. I'm having trouble entering my info and can't move on to the next stage of speaking to an advisor. I hope this is sorted soon. ### 2/5 — Buggy app *2025-04-20* I hope the coaching is better than the app. I almost abandoned my sign up based on how slow, buggy, and glitchy it is. Makes me nervous that they don’t invest in tech and scared giving them my money. ## Frequently asked questions about Fruitful ### What is Fruitful? Fruitful is a financial technology company that offers 1-to-1 financial guidance from CFP® professionals and banking products. It is exclusively available to members who have signed up at fruitful.com. ### How do I access Fruitful's services? To access Fruitful's services, you must be a member of Fruitful, Inc. and log in to the mobile app using your member username and password. ### Can I invest through Fruitful? Yes, Fruitful offers financial products that may include investment opportunities. However, all investing involves risk, including the potential loss of money invested. Securities products are not FDIC insured, not bank guaranteed, and may lose value. ### Is Fruitful a bank? Fruitful is a financial technology company, not a bank. Deposit accounts are provided by Emigrant Bank, Member FDIC, and are insured for up to $250,000 per depositor. ### What devices does Fruitful support? The Fruitful app is currently supported on iPhone and iPod devices. ### How often is Fruitful updated? The latest version of Fruitful is 26.03.2, and it was last updated on March 11, 2026. Updates typically include new features, bug fixes, and performance improvements. ### What is the user rating for Fruitful? Fruitful has a rating of 4.3 stars based on 26 ratings, indicating generally positive user sentiment. ### Does Fruitful have ads? No, Fruitful does not contain advertisements. The app is free to use for its members. ## Version history (last 5 releases) ### 26.08.3 — 2026-08-14 App improvements and bug fixes ### 26.08.2 — 2026-08-12 Bug fixes and performance improvements ### 26.08.1 — 2026-08-04 Bug fixes and app improvements. ### 26.07.8 — 2026-07-22 Bug fixes and app improvements. ### 26.07.7 — 2026-07-17 Bug fixes and app improvements. ## Apps similar to Fruitful | App | Rating | Price | Category | | --- | --- | --- | --- | | [Origin: AI Budget and Track](https://appshunter.io/ios/app/origin-ai-budget-and-track/id1637693312) | 4.6 (3,753) | Free | Finance | | [Envelope: Budgeting & Banking](https://appshunter.io/ios/app/envelope-budgeting-and-banking/id6444296251) | 4.7 (384) | Free | Finance | | [CreditU](https://appshunter.io/ios/app/creditu/id1663259146) | 4.9 (984) | Free | Finance | | [Fido: 10% APY Savings](https://appshunter.io/ios/app/fido-10-apy-savings/id6502919720) | 4.6 (48) | Free | Finance | | [Kudzu: Online Banking App](https://appshunter.io/ios/app/kudzu-online-banking-app/id6449820905) | 4.8 (19) | Free | Finance | | [KoinLife](https://appshunter.io/ios/app/koinlife/id6569248861) | 3.5 (13) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*