CFFCU Live vs Spency

CFFCU Live lets you securely interact with professionals you trust from anywhere. The app allows you to video chat and conduct business all in one simple tool. 

While you are on the video chat with your trusted financial professional, you can do the following: Communicate in a personal, face-to-face experience. See informative content your trusted financial professional shares with you. Upload documents or images requested by the trusted financial professional. Review contracts or agreements prepared for you. Agree and approve documents and Terms of Use. eSign loan applications, agreements, and contracts. 
This app is a safe, enjoyable, and effective way to communicate with your trusted financial professional from wherever you are. * Data service charges may apply through your wireless carrier.

No bank login. Spency is a simple budget planner, expense tracker, and money manager that helps you organize bills, set a daily spending limit, and see your money ahead of time. Instead of only tracking purchases after they happen, Spency helps you plan forward. Add your income, bills, recurring expenses, and daily spending limit. Spency then projects your balance across a calendar so you can see where your budget is healthy and where it gets tight before payday. Use Spency as a weekly budget planner, monthly budget tracker, bill tracker, or personal money planner. It replaces messy spreadsheets and budget sheets with a clear schedule you can check in seconds. HOW IT WORKS Add your income Track salary, freelance payments, deposits, and recurring income. Organize bills and expenses Plan rent, subscriptions, utilities, groceries, one time costs, and recurring payments. Set a daily spending limit Spency uses your daily allowance to forecast your balance automatically. SEE YOUR MONEY AHEAD Projected balance for every day on the calendar Upcoming bills and how they affect your budget Monthly totals for income, expenses, and net balance Tight days flagged early Daily spending allowance always visible Simple charts for cash flow, savings, and spending insights WHO IT IS FOR Spency is built for people who want a simple way to plan money without connecting a bank account. It works well for personal budgets, household budgets, bills, income planning, daily spending, and people who want to know whether their money will last until the next payday. WHY SPENCY Many budget apps focus on categorizing past transactions. Spency focuses on helping you understand what is coming next. Your projected balance shows whether your plan works, and your daily spending limit gives you one simple number to adjust. SPENCY PLUS Budget projection and cash flow forecasts for 1, 3, and 6 months Insight charts with recurring and one time expense breakdowns Access to over 12 months of budget history The free version includes your most recent 3 months of data. PRIVACY FIRST No bank connection No account required Offline budget tracking Your data stays on your device, with optional iCloud sync Delete everything anytime Set it up once. Check it in seconds. Stay in control of your budget with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/