What we watch
We look for the things that are easy to miss.
Simple, explainable checks — not a black box. Every alert tells you exactly why we noticed it.
Duplicate-looking bills
One Verizon charge is normal. A second one in the same month may deserve a look.
New recurring charges
A merchant you haven’t used before begins charging you on a schedule.
Unusual amounts
A familiar merchant charges far outside your normal range.
New merchants
A sizable charge appears from a merchant you haven’t used before.
Unusual frequency
A merchant that normally appears monthly shows up several times.
Unusual bank withdrawals
A new company begins taking money directly from your account.
Small persistent charges
Low-value charges that repeat unexpectedly and are easy to overlook.
Cross-account patterns
The same bill showing up on two different accounts is easier to spot when we see them together.
An example
One Verizon charge is normal. A second one deserves a look.
Checking ••••4821 · Today, 10:24 AM
Why we noticed
You normally have one Verizon payment each month. This is the second one we’ve seen within 12 days.
You’d get this by text. Reply YES if it’s yours, NO if it isn’t — or call us and a real person will help.
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