Frequently asked questions.

No. You complete setup in your web browser and receive alerts by text and email. There is nothing to install.

No. That’s the point. If something looks unusual, we text you. If you hear nothing, nothing needed your attention.

Most people finish in a few minutes: create an account, confirm your phone, choose your plan, and connect your bank.

You don’t have one. Sign in with your mobile number and the 6-digit code we text you. If your phone isn’t handy, we can email the code instead.

Sign in with your email instead — we’ll email you a code. If you can’t reach your phone or your email, call (833) 928-2480. We verify your identity with questions only you can answer, notify your old number and email, and move your account to a new number after a 24-hour hold.

Money Watchmen connects to thousands of U.S. banks and card issuers through Plaid, including Chase, Bank of America, Wells Fargo, Citi, Capital One, and American Express.

No. The connection is read-only. We can see transactions; we cannot move, pay, or change anything.

No. Connect as many supported accounts as you like for one price.

We send you a simple alert by text (and email, if you choose) with the merchant, the amount, and why we noticed it. It asks one question: do you recognize this?

Reply YES or tap the button. We’ll remember, and we’ll get quieter about that merchant.

Reply NO. We show clear next steps for contacting your bank and open a case so our team can help.

Yes, as Trusted Contacts. You decide whether they get high-priority alerts, every alert, or only hear from us if you don’t respond. They never receive your account numbers or security codes. Learn more.

Yes. Call or text (833) 928-2480, Mon – Sun, 8AM – 10PM ET. You’ll reach a real person.

Yes. Text the same number, or reply HELP to any alert and someone from our team will follow up.

$14.99/month. One plan, everything included.

Yes, from your membership settings or by calling us. No contract, no cancellation fee.