Question 1

What is Treasury?

Accepted Answer

Treasury is an AI money coach and personal-finance command center. It connects your bank, card, and investment accounts via Plaid (12,000+ institutions), automatically tracks budgets, net worth, and subscriptions, and answers your money questions in plain English — grounded in your real transactions, not generic advice. It scored 89/100 on TreasuryBench, the highest of any app tested. It costs $95/year or $12.99/month, with a 14-day free trial, and never sells your data.

Question 2

What banks do you support?

Accepted Answer

Over 12,000 financial institutions across the US including Chase, Bank of America, Wells Fargo, Capital One, Fidelity, Schwab, and more.

Question 3

Where does Treasury work?

Accepted Answer

Treasury connects 12,000+ financial institutions across the US, so it works best if your accounts are based there. It runs in any modern web browser and installs to your home screen like a native app on iPhone and Android. Support for more countries is on the roadmap.

Question 4

What makes Treasury different?

Accepted Answer

Most finance apps either force you into rigid systems or give you dashboards and expect you to figure it out. Treasury adapts to how you think — flexible budgets, smart categorization that learns your corrections, and an AI advisor you can actually talk to. Ask it where your money went, how to optimize your spending, or what you're wasting. No spreadsheet maintenance, no learning curve. It just works the way your brain already does.

Question 5

Is Treasury financial advice?

Accepted Answer

Treasury gives you clear information and insights based on your own numbers — where your money is going, what you might be missing, and what you can afford. It's built to help you make your own decisions, not to replace personalized advice from a licensed professional. For big or complex financial moves, it's always worth talking to a qualified advisor.

Question 6

Is my financial data secure?

Accepted Answer

Yes. Treasury uses 256-bit AES encryption — the same standard major US banks use. Account connections run through Plaid, the financial-data network trusted by thousands of fintech apps, and Treasury only ever gets read-only access: it can see your balances and transactions but can never move money. Your bank login credentials are never stored on Treasury’s servers.

Question 7

Do you sell my data?

Accepted Answer

Never. We make money from subscriptions, not your data. That's the whole point of paying for a finance app.

Question 8

What happens to my data if I cancel?

Accepted Answer

Your data remains accessible through the end of your billing period. After that, we securely delete it within 30 days unless you resubscribe.

Question 9

Is there a free trial?

Accepted Answer

Yes! When you sign up, your first 14 days are free. After the trial ends, billing begins automatically. You can cancel anytime.

Question 10

Do I need a card to start the trial?

Accepted Answer

You add a payment method when you sign up, but you won't be charged during your 14-day free trial. Billing only begins after it ends, and you can cancel anytime before then to avoid any charge.

Question 11

Can I cancel anytime?

Accepted Answer

Yes. No cancellation fees, no questions asked. You'll keep full access through the end of your current billing period.

Question 12

What's your refund policy?

Accepted Answer

Cancel anytime and keep full access until your billing period ends. We don't offer partial refunds, but you'll always get what you paid for.

Question 13

Why does "Polar" appear on my bank statement?

Accepted Answer

Polar.sh is our payment processor and merchant of record. They handle all billing securely, so charges will appear as "Polar*" followed by Treasury on your statements.

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