ChargeGuard

ChargeGuard is a mobile + web AI-assisted retail banking companion that prevents overdrafts and surprise fees by predicting upcoming cash shortfalls and taking automated, user-approved actions. It connects to a user’s checking account via open-banking links, watches pending card authorizations, scheduled bills, payroll patterns, and typical spending, then forecasts the next 7–14 days of balance risk. When a shortfall is likely, it can (1) alert early with a clear “why,” (2) suggest one-click fixes like moving money from a linked savings account, pausing nonessential subscriptions, or scheduling a partial bill payment, and (3) create a “safe-to-spend” number that updates in real time. The app is brutally focused on one outcome: fewer fees and fewer declined payments. Monetization is simple: subscription for consumers, or a B2B2C version sold to community banks/credit unions to reduce churn and support costs.