Amalgamated Treasury Manager vs Spendcast

Start banking wherever you are with Amalgamated Treasury Manager for mobile banking! Available to all Amalgamated Bank business online banking customers. Amalgamated Treasury Manager allows you to check balances, make transfers, pay bills,and deposit checks. Available features include: Accounts - Check your latest account balance and search recent transactions by date, amount, or check number. Transfers - Easily transfer money between your accounts. Bill Pay - Pay new bills, edit bills scheduled to be paid, and review previously paid bills from your device. Check Deposit - Deposit checks while on the go All features may not be available in the tablet application.

Spendcast is the privacy-first budgeting app that never sees your data. Every penny you track stays on your device -- no cloud servers, no bank logins, no third-party data sharing. Ever. SMART BUDGETING, ZERO COMPROMISE - Safe-to-Spend: Know exactly how much you can spend each day until payday - Unlimited Budgets: Track spending by category with color-coded progress bars - Bill Calendar: Visual monthly grid shows when every bill is due - Recurring Rules: Auto-log bills and income so you never miss a payment LOG TRANSACTIONS YOUR WAY - Manual Entry: Quick, clean transaction logging - Receipt Scanner: Snap a photo and let OCR extract the merchant, amount, and date - Barcode Scanner: Scan product barcodes for instant logging - Voice Logging: Just say "spent $12 at Starbucks" and Spendcast handles the rest - Quick Categories: 19 built-in categories with 90+ auto-categorization rules that learn from you AI-POWERED INSIGHTS - AI Chat Assistant: Ask questions about your spending in plain English -- all processed on-device - What-If Planner: Simulate cutting categories or boosting income and see 12-month projections - Spending Predictions: See where your month is heading before it gets there - Anomaly Detection: Get alerted to unusual charges and potential duplicates - Subscription Tracker: Find forgotten subscriptions costing you money - Financial Health Score: Get graded A-F across 5 financial health components REACH YOUR GOALS - Savings Goals: Track progress toward vacation, emergency fund, or any target - Debt Payoff Engine: Snowball or Avalanche strategies with interactive extra-payment slider - 15 Achievements: Gamified motivation from "First Step" to "Centurion" (100-day streak) - Net Worth Tracking: See your full financial picture -- assets vs. liabilities WORKS EVERYWHERE - Home Screen Widgets: Glance at safe-to-spend, streaks, and budget progress - Lock Screen Widgets: Key numbers always visible - Apple Watch App: Quick-log transactions from your wrist - Siri Shortcuts: "Hey Siri, log an expense in Spendcast" - iCloud Backup: Optional encrypted backup to iCloud COUPLES MODE Tag accounts as Mine, Partner, or Joint to manage shared finances while keeping individual spending private. YOUR DATA, YOUR RULES - 100% on-device storage (Apple SwiftData) - Zero cloud servers - Zero bank credential requests - AI runs locally -- no API calls - CSV export for full data portability - Delete the app = delete all data. Permanently. Spendcast Premium unlocks unlimited budgets, AI Chat, What-If Planner, Debt Payoff, receipt scanning, and more for just $59.99/year -- the lowest premium price in the category. Terms of Use: https://spendcastapp.com/terms.html Privacy Policy: https://spendcastapp.com/privacy.html