OnPoint Mobile vs Gigspend

One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)

Built for American delivery drivers, rideshare drivers, shoppers, couriers, and independent gig workers. Gigspend helps you scan receipts, track mileage, organize expenses, search your records, and export detailed reports—so tax season is never a scramble. $4.99 ONE-TIME UNLOCK Try Gigspend with up to 10 receipts and 10 mileage entries. Unlock unlimited receipt and mileage tracking with a one-time purchase of $4.99. No subscription. No ads. Optional AI features use AI credits. SCAN RECEIPTS Scan receipts in seconds. Gigspend extracts the merchant, date, and total, then automatically suggests a category when one can be identified. Organize expenses such as gas and fuel, parking and tolls, meals, phone bills, office supplies, car washes, repairs and maintenance, retail purchases, and more. Receipt photos remain on your device unless you choose to use AI Assist or create a backup. TRACK MILEAGE Maintain odometer-based mileage logs for multiple vehicles. Your latest odometer reading carries forward automatically—enter an ending reading, business purpose, and destination to record your trip. Mark personal trips so they are excluded from potential business-deduction estimates. ORGANIZE YOUR EXPENSES Keep receipts and mileage organized using gig-friendly categories, including Gas & Fuel, Mileage, Meals, Phone, Materials & Supplies, Parking & Tolls, and Wash & Road Services. Customize business-use percentages based on how you use your vehicles and expenses. TRACK EVERYTHING IN ONE DASHBOARD View monthly and yearly spending, mileage, entry counts, category breakdowns, and estimated business deductions from one dashboard. SEARCH YOUR RECORDS Find receipts and mileage entries using plain-language searches such as “Prius more than 12 mi.” Search runs privately on your device. EXPORT DETAILED REPORTS Create and share: • PDF expense reports • Excel spreadsheets • PDF receipt books with receipt images BACK UP AND RESTORE Store automatic backups in your own iCloud account, create manual backup files, and restore your records when switching devices. OPTIONAL AI ASSIST After scanning a receipt, use AI Assist to extract additional information and individual line items. Each use requires one AI credit. AI Assist runs only when you choose it. OPTIONAL AI RECONCILIATION Use AI Reconciliation to review up to 300 approved receipts and mileage entries for possible duplicates, missing information, and unusual expenses. Reconciliation analyzes extracted data without sending receipt images. Each reconciliation requires two AI credits. AI-generated results are for reference only and should always be reviewed. AI CREDITS New users receive three welcome AI credits. Additional credits may be earned through eligible referrals and promotions. AI features run only when you choose them. PRIVACY FIRST • No account required • No login required • No subscription • No ads Receipt photos remain on your device unless you choose to use AI Assist or back up your data. With your permission, location can be used to label a mileage destination. Gigspend does not track your location in the background. FREE TO TRY Save up to 10 receipts and 10 mileage entries for free. A one-time purchase of $4.99 unlocks unlimited receipt and mileage tracking. The unlock is not a subscription and does not provide unlimited AI usage. Potential deductions and AI-generated results are estimates for informational purposes only. They are not tax advice. Consult a qualified tax professional about your circumstances.