Here's the list of all the benefits that PocketGuard will offer once you link bank accounts:
- pulling transactions and account balances directly from your financial institutions;
- tracking recurring transactions (bills & income);
- analyzing and notifying how much you've spent in unbudgeted categories;
- up-to-date transaction history and account balances;
- finding active subscriptions you may have forgotten about;
- finding bills in order to negotiate better prices on your behalf;
- spending reports and insights.
NOTE: if you feel more confident with manual tracking, you can start using the app without connecting accounts. To do this, you need to manually add your transactions to our internal accounts - cash accounts. You can link bank accounts anytime later.
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https://help.pocketguard.com/hc/en-us/articles/360002167500-Can-I-use-PocketGuard-without-linking-an-account-and-why-linking-accounts-is-important
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