Find answers to common questions or get in touch with our team.
Tap the Connect Bank button on the home screen. FlowCheck uses Plaid — the same technology used by major fintech apps — to securely connect to your bank. You'll see a Plaid-hosted screen where you can search for your bank and log in with your banking credentials.
Your bank username and password never reach FlowCheck's servers. Plaid handles authentication directly and gives us a secure token to read your data.
FlowCheck supports over 12,000 banks and credit unions in the United States via Plaid, including all major institutions like Chase, Bank of America, Wells Fargo, Citi, Capital One, Ally, and thousands of regional banks and credit unions.
If you can't find your bank, try searching by the bank's full legal name or the name on your bank's website. Contact us at support@getflowcheck.app if your bank isn't supported.
FlowCheck Free supports 1 bank connection. FlowCheck Pro supports unlimited bank connections.
You can connect checking, savings, credit cards, and investment accounts from different institutions. Each will appear separately in your accounts list and contribute to your net worth calculation.
Bank connections can break when you change your banking password or your bank requires re-authentication for security reasons. To fix it:
If the issue persists, try force-closing the app and relaunching. If it still doesn't work, contact us at support@getflowcheck.app.
Go to Settings → Bank Accounts → Disconnect. This will immediately revoke FlowCheck's access to your bank and delete all synced transaction and account data from our servers. This action cannot be undone — you'll need to reconnect if you want to restore access.
FlowCheck syncs when you open the app and also runs a background sync periodically. You can also manually trigger a sync by pulling down to refresh on the home screen. Most banks update transactions within 1-3 business days of the purchase date.
FlowCheck automatically locks when you leave the app and uses Face ID or Touch ID to re-authenticate. This is enabled by default on supported devices. Make sure Face ID is set up in your iPhone's Settings → Face ID & Passcode, and that FlowCheck has permission to use Face ID (Settings → FlowCheck → Face ID).
On the sign-in screen, tap Forgot Password and enter your email address. We'll send a password reset link. If you signed in with Apple, you manage your credentials through Apple's system — FlowCheck does not have access to Apple passwords.
Go to Settings → Delete Account in the app. This will permanently:
This action cannot be undone. Data is permanently deleted within 30 days per our Privacy Policy.
Yes. Security is our top priority:
Most banks have a 1-3 business day delay before transactions appear in Plaid. Pending transactions may also show differently depending on your bank. Try tapping the sync button on the home screen. If transactions are consistently missing, contact your bank or contact us.
Transaction categories are assigned automatically based on merchant data from Plaid. Occasionally a category may be incorrect. We use this data to build your spending insights and budget tracking, so we aim to keep it as accurate as possible. If you consistently see wrong categories, let us know — we're continuously improving our categorization.
FlowCheck Free: 90 days of transaction history.
FlowCheck Pro: Full transaction history available through Plaid (typically 12-24 months depending on your bank).
Go to the Insights tab and scroll to the Budget section. Tap any category to set a monthly spending limit. FlowCheck will track your spending against each category and alert you when you're approaching your limit (at 80%) or have exceeded it (at 100%).
When your spending in any category reaches 80% or 100% of your budget, FlowCheck sends you a push notification (if you've enabled notifications). Make sure you've granted FlowCheck notification permission in your iPhone Settings. Alerts are sent once per threshold per month to avoid being spammy.
Tap the Goals tab in the app. Tap the + button to create a new goal. Enter a name, target amount, and optional target date. Goals show a visual progress ring that fills as you manually update your progress. Tap any goal to edit or mark a contribution.
FlowCheck retrieves your credit score from Experian via a secure API connection through our backend server. When you tap "Check My Credit Score," we make a soft inquiry to Experian's credit bureau and display your score, risk classification, and the factors affecting it.
Important: This is a soft pull — it does not affect your credit score in any way.
No. FlowCheck performs a soft inquiry only. Soft inquiries are invisible to lenders and have zero impact on your credit score. Only hard inquiries (like applying for a loan or credit card) affect your score.
Different sources use different credit scoring models and different credit bureaus. FlowCheck uses Experian data with the VantageScore or FICO model. Your bank might use TransUnion or Equifax with a different model version. Small differences are normal. The important thing to watch is the trend over time, not the exact number.
Your score is cached for 24 hours to protect your credit profile and manage API costs. You can refresh it once every 24 hours. FlowCheck Pro may offer more frequent updates in future releases.
Credit score retrieval can occasionally fail due to temporary Experian service issues or connectivity problems. Try again in a few minutes. If the problem persists for more than 24 hours, contact us at support@getflowcheck.app.
You can also manually enter your known credit score as a fallback — go to the Credit tab and look for the manual entry option.
FlowCheck Pro ($4.99/month or $34.99/year) includes:
Open the app and tap Upgrade to Pro (or tap any Pro-locked feature). You'll see the paywall with the free trial offer. Tap Start Free Trial — your Apple ID will be used for payment but you won't be charged until the trial ends. Cancel anytime through your iPhone Settings before the trial ends to avoid being charged.
All subscriptions are managed through Apple. To cancel:
You'll keep Pro access until the end of your current billing period. We do not offer refunds for partial periods, but we will never charge you after cancellation.
This can happen if there's a delay in the App Store confirming your purchase. Try:
If the issue persists after 24 hours, contact us at support@getflowcheck.app with your Apple ID (not your password) and approximate purchase date.
No. Never. We do not sell, rent, or share your financial data with advertisers, data brokers, or any third party for commercial purposes. Your financial information is used only to power the features you see in the app. See our Privacy Policy for full details.
Email us at privacy@getflowcheck.app with the subject line "Data Access Request" and the email address associated with your account. We'll respond within 30 days with a summary of the data we hold about you, as required by CCPA and GDPR.
Email privacy@getflowcheck.app with your specific request. You can:
We respond to all privacy requests within 30 days. See our Privacy Policy for full details.
Try these steps in order:
Make sure FlowCheck has notification permission:
Also check that your iPhone is not in Focus mode or Do Not Disturb, which can block notifications from some apps.
Open the App Store, tap your profile icon in the top right, scroll down to find FlowCheck, and tap Update. Alternatively, enable automatic updates in Settings → App Store → App Updates.
We love hearing from users! Send bug reports and feature requests to support@getflowcheck.app. For bugs, please include:
Our support team responds to every email within 24 hours, Monday through Friday.
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