DBATR

Money, handled

No wallet. No checkbook. No busywork.

Cards live in your phone. Every account reports in to one place. You get one money line a day — what came in, what's due, what needs your name on it — and nothing else touches your hours.

Never again: Carry a walletNever again: Balance a checkbookNever again: Open six banking appsNever again: Mail a paper checkNever again: Hunt for a receiptNever again: Miss a due date

The four rules

  • Money is read, never moved. The assistant watches balances, bills and deposits — a payment only leaves after you approve it.
  • No card numbers, PINs, or banking passwords are ever typed into DBATR or stored here. Linking happens inside each provider, using their own read-only or statement exports.
  • Everything lands digital. Statements, receipts and tax documents route to your mailbox and your records — no paper, no checkbook, no shoebox.
  • One daily money line. Instead of six apps, you get one sentence a day: what came in, what is due, what needs your signature.

Every account, one setup pass

Chime → tapped in, read-only

Do this now · ~15 min

Chime has no outside connection for an assistant to log in with, and I would not use one if it existed. So we tap it the safe way: every alert, deposit and statement mirrors to your money inbox, and I read that stream. You keep the only login. Nothing can be moved from my side — ever.

  1. 1

    Turn every Chime alert on · 2 min

    Chime app → Settings → Notifications: enable deposits, every card transaction, low balance, and transfers. Leave nothing off — silence is what hides problems.

  2. 2

    Mirror alerts to Money@dbatr.com · 3 min

    In the email account Chime already notifies, add one filter: from "no-reply@chime.com" → forward to Money@dbatr.com. One filter, set once, works forever. Your login is never shared.

  3. 3

    Route statements the same way · 5 min

    Chime → Settings → Documents → Monthly statements: paperless on. Download the last 12 months as PDF and drop them into /my-records so the history is yours, not theirs.

  4. 4

    Set the automatics so no decision is needed · 4 min

    Direct deposit on, round-up savings on, and the Chime card added to Apple/Google Wallet so the plastic stays home. Fixed bills go on auto-pay; anything variable waits for your tap.

  5. 5

    Confirm the daily money line · 1 min

    Once alerts arrive, Chime shows up in your daily brief: what came in, what cleared, what is due, and anything unfamiliar flagged inside a day.

Guardrails on this link

  • I never ask for your Chime password, PIN, card number or SSN — not once, not ever.
  • Read-only by design: I can see the money line and prepare a payment, but only your tap sends it.
  • No card details are stored in DBATR. Alerts and statements only.
  • If a charge looks wrong, you get it flagged with the amount, merchant and date — not a guess.

Money inbox: Money@dbatr.com — alerts and statements only, never credentials.

Apple Wallet / Google Wallet

One tapCards in your phone

Every card you own lives on your phone and watch, so the physical wallet stays home for good.

  1. 1Open Wallet → + → Debit or Credit Card, scan each card.
  2. 2Add your insurance, ID and transit passes in the same place.
  3. 3Turn on Express Mode so tapping never needs a passcode dance.
  4. 4Set the phone as the default and put the plastic in a drawer as backup only.

PayPal

Needs you oncePayments + invoicing

We track incoming payments and invoices, flag fees and subscriptions, and prep payouts for your approval.

  1. 1PayPal → Settings → Notifications: send all receipts to your DBATR mailbox.
  2. 2Settings → Automatic payments: review every recurring charge, cancel the dead ones.
  3. 3Business tools → Invoicing: turn on auto-reminders so you never chase anyone.
  4. 4Download the last 24 months of activity (CSV) and drop it in /my-records.

Chime

Needs you onceEveryday banking

Balance and deposit alerts route into your daily brief; overdraft and low-balance warnings escalate immediately.

  1. 1Chime → Settings → Notifications: enable all transaction and deposit alerts.
  2. 2Forward alert emails to your DBATR mailbox (one filter, done forever).
  3. 3Turn on direct deposit and round-up savings so nothing needs a decision.
  4. 4Export monthly statements as PDF into /my-records once.

Cash App

Needs you oncePeer to peer

Requests, gifts and family sends get logged with context so no one has to ask twice or remember who owes what.

  1. 1Cash App → profile → Notifications: email receipts on.
  2. 2Set your $Cashtag on your public contact card so people pay you correctly.
  3. 3Turn on the Cash Card in Apple Wallet — no plastic needed.
  4. 4Export statements yearly for taxes into /my-records.

Bank + credit union accounts

Needs you onceChecking, savings, credit

Auto-pay covers every fixed bill; the assistant reconciles instead of you, and flags anything unfamiliar within a day.

  1. 1Switch every statement to paperless and route it to your mailbox.
  2. 2Put rent/mortgage, utilities, phone and insurance on auto-pay from one account.
  3. 3Keep one card for subscriptions only — makes fraud obvious at a glance.
  4. 4Enable read-only alerts for anything over a threshold you pick.

Benefits + child support

HandledGovernment money

Deadlines, recertifications and payment records tracked on /benefits and /child-support so nothing lapses.

  1. 1Confirm direct deposit on every benefit so no check ever gets mailed.
  2. 2Save award letters and payment histories into /my-records.
  3. 3Let the assistant watch recertification dates and prepare the paperwork.

Taxes + receipts

One tapYearly, painless

Receipts are captured as they arrive and sorted by category, so tax time is a download, not a search party.

  1. 1Route every receipt email to your mailbox — no photographing paper.
  2. 2Snap anything handed to you once, then throw the paper away.
  3. 3Pull the sorted year-end pack from /my-records when you file.

What I can't do — straight up

I can't log into PayPal, Chime or Cash App for you, and I won't ask for a password, card number or SSN. Those providers only open up through their own consent screens. What I do instead: route every statement and alert into your mailbox, keep the running picture, prepare each payment, and hand it to you to approve with one tap. That's the 💎 standard — full visibility, zero unauthorized movement.

The switchboardMy recordsPaperless deadline