ShiftKey Wallet vs Barely Legible

ShiftKey users: Get paid instantly¹ and take control of your finances with ShiftKey Wallet, powered by Branch. Instant Access to Payments¹ Money lands in your account moments after your invoice is approved.¹ You get a digital debit card and business account⁴, without the hassle of minimum balances, credit checks, or monthly account fees. FDIC-backed Security Your hard-earned money is protected, thanks to FDIC deposit insurance from Evolve Bank & Trust. Financial Flexibility Make payments using your Mastercard debit card, or connect your digital card directly to Apple Pay. You can also link to your favorite apps, like Venmo and PayPal. With ShiftKey Wallet, you can: • Easily manage your budget, pay bills, and achieve savings goals • Earn cash back rewards for everyday purchases • Use your ShiftKey Card wherever Mastercard is accepted⁴ • Easily withdraw cash at any of the 55,000+ ATMs in the Allpoint Network² • Transfer money to another bank account or debit card³ Start your account setup in the ShiftKey App. Disclosures ¹ Timing of payments may vary based on invoice approvals and are subject to a $2.95 fee per payment from ShiftKey. Manual review of an invoice usually takes less than 24 hours but can take up to a week. Once your invoice is approved, we can start processing your payment. ² There are no in-network ATM fees for the first 8 transactions per month. A $2 ATM fee will apply for any in-network ATM withdrawal after the eighth transaction within any given month. ³ There is no cost to use the ShiftKey Wallet app or debit card. However, you may incur a small fee if you choose to instantly transfer your funds to an external debit card or account. ⁴ Banking services are provided by Evolve Bank & Trust, Member FDIC. ShiftKey Wallet, powered by Branch, is a Mastercard business debit card and account issued by Evolve Bank & Trust, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted subject to certain restrictions, local laws, and regulations.

Medical bills. Insurance EOBs. Utility statements. They're confusing by design — dense with codes, adjustments, and line items that don't add up. Barely Legible changes that. Take a photo or import any bill and get a plain-English breakdown in seconds. Every charge explained. Potential errors and overcharges flagged. Questions to ask before you pay. —————————————————— WHAT BARELY LEGIBLE DOES ◆ Explains every line item in plain language — no medical or insurance jargon ◆ Verifies that totals, adjustments, and balances add up correctly ◆ Flags duplicate charges, overcharges, and billing errors worth disputing — including potential unbundling, No Surprises Act violations, and inflated medication charges on medical bills ◆ Writes a ready-to-send dispute letter for any flagged charge — clearly stating the issue and what you're asking the provider to correct ◆ Exports it as a print-ready PDF, and walks you through actually sending it — certified mail, what to keep, and when to follow up ◆ Gives you a call script if you'd rather phone — your account number and the specific charge, in plain language you can read aloud to the billing department ◆ Suggests questions to ask the company, provider, or insurer before paying ◆ Adds bill due dates directly to your calendar so nothing slips through ◆ Delivers a monthly digest summarizing every bill you've scanned ◆ Stores your scan history so you can reference past bills anytime —————————————————— WORKS WITH ANY BILL Not just medical. Barely Legible analyzes hospital itemized statements, Explanations of Benefits (EOB), utility bills, phone bills, mortgage statements, insurance documents, and more — purpose-built for bills, not a general-purpose AI. —————————————————— NO ACCOUNT NEEDED Open the app and scan. No email, no password, no sign-up. Your bills are saved on this device, and you can add your Apple ID later without losing any of them — including anything you've bought. An account is only needed for dispute letters, and for keeping your bills if you switch devices. —————————————————— AVAILABLE IN SPANISH Set your device to Spanish and the whole explanation follows — the summary, every flagged charge, and the questions to ask. —————————————————— WORKS WITH SIRI AND SHORTCUTS Say "Scan with Barely Legible" to open the scanner instantly — no tapping required. Add it to your own Shortcuts automations to fit scanning into any workflow. —————————————————— BUILT FOR PRIVACY Your bill photos are never stored. Images sent for analysis are immediately discarded — never retained on our servers, never used to train AI models. Only the text results from your scan are stored securely and never sold or shared. —————————————————— FREE TO TRY 3 free scans every month — no account required. New users also get one dispute letter to try the feature. Upgrade to Pro for unlimited scans and dispute letters, or purchase individual scan credits if you only need occasional help with scanning.