A texting agent for your business bank account
Stop checking the bank. Let it text you.
Cash On-Call reads every transaction across your business accounts and texts you the few worth knowing about. The client who paid. The charge that hit twice. The balance getting thin before payroll.
- Read-only bank access
- No app to install
- Reply STOP anytime
Texts you about
- Client payments
- Duplicate charges
- First-time payees
- Wires over $10k
- Bills that went up
- Returned ACH
- Low balance before payroll
- Refunds that landed
- Card used out of state
- Stripe and Square payouts
The filter
Hundreds of transactions in.
A few texts out.
It reads every line from every account, compares it to what's normal for your business, and stays quiet unless something deserves your attention.
- Shell #4471Amex ••1007−$84.12
- Halcyon Dental ACHOperating ••2210+$18,400.00Client paid
- Home Depot ProAmex ••1007−$412.60
- AdobeAmex ••1007−$89.99
- AdobeAmex ••1007−$89.99Duplicate
- Gusto taxPayroll ••8841−$2,914.33
- Stripe payoutOperating ••2210+$3,240.18
- NTL Supply CoOperating ••2210−$4,980.00New payee
- Verizon BusinessOperating ••2210−$318.44
- Ferguson SupplyAmex ••1007−$1,206.75
- Square depositOperating ••2210+$1,875.00
- Google WorkspaceAmex ••1007−$172.80Price up 20%
- 1Read every line
- 2Compare to your normal
- 3Decide if it matters
- 4Text you, in plain words
- Client paidHalcyon Dental paid invoice #1042: $18,400.00.
- DuplicateAdobe charged $89.99 twice on Amex ••1007.
- New payeeFirst-ever payment to NTL Supply Co: $4,980.00. Know them?
- Price upGoogle Workspace went from $144.00 to $172.80 this month.
An example month for a 12-person HVAC company
- Transactions read
- 412
- Texts sent
- 9
- Duplicate charges caught
- 1
- Times they opened the bank app
- 0
How it works
Set it up once.
Then just read your texts.
01 · Connect
Link your accounts in a few minutes.
Add business checking, savings, and cards through your bank's own secure login. Cash On-Call gets read-only access. It can see transactions. It can never move money.
Get early access02 · Learn
It learns what normal looks like.
Who pays you and how often. Which bills land on the 1st. What a typical week of fuel and supplies costs. Once it knows your rhythm, it can tell when something breaks it.
See what it watches for03 · Text
Get a text. Text back.
Every alert says what happened, who it involves, and what it means for your cash. Ask follow-ups in plain English, the way you'd text your bookkeeper.
What can I ask it?What it texts you about
The money you'd want to know about.
Out of the box it watches for eight kinds of moments. Turn any of them up, down, or off by replying to a text.
-
Client payments
Know when a customer pays, and how much, without logging in.
“Halcyon Dental paid $18,400.00.”
-
Big money out
Wires, large ACH debits, and anything over the line you set.
“$12,750 wire to Brightline Equipment cleared.”
-
Duplicate charges
Same vendor, same amount, same day. Caught before month-end.
“Adobe charged $89.99 twice today.”
-
New payees
The first time money goes somewhere new, you hear about it.
“First payment ever to NTL Supply Co: $4,980.”
-
Bills that went up
Subscriptions and utilities that quietly raised their price.
“Google Workspace: $144.00 → $172.80.”
-
Thin balance ahead
A heads-up when cash won't comfortably cover a big bill.
“Payroll Thursday is ~$31,200. Operating has $28,900.”
-
Returned payments
Bounced ACH and reversed deposits, the day they come back.
“Ridgeway LLC's $6,200 ACH was returned.”
-
Morning recap
One short text before work. Or none, if nothing happened.
“Yesterday: 3 deposits ($24.1k), 11 charges ($6.8k). Nothing odd.”
Why not bank alerts?
Your bank already sends alerts.
They don't know your business.
Security and control
Built for owners who don't hand out bank logins.
Cash On-Call watches. It never touches. And everything about it can be changed with a one-word reply.
Read the FAQRead-only. It can see transactions. It can't move, send, or spend money.
No passwords stored. You log in on your bank's own secure screen.
Encrypted. Your data is encrypted in transit and at rest.
Not for sale. Your transactions are never sold or shared.
You pick who's on the thread. Add a partner or bookkeeper. Remove them anytime.
Quiet hours. Nothing overnight unless you ask for it.
One-word controls. Reply MORE, FEWER, PAUSE, or STOP.
Leave anytime. Disconnect your bank and your data goes with it.
FAQ
Questions, answered.
Something else on your mind? Email hello@getcashoncall.com.
What is Cash On-Call?
A texting agent for your business bank accounts. It reads every transaction, learns what's normal for your business, and texts you when something is worth a look. There's no app and no dashboard. It's a phone number you save as a contact.
Can it move money?
No. Access is read-only. It can see balances and transactions. It can't pay, transfer, or change anything at your bank.
Which banks does it work with?
Most U.S. banks, credit unions, and business credit cards. During setup you'll see right away whether yours is supported.
How fast do texts arrive?
As fast as your bank reports the transaction. For most banks that's within minutes of it posting. Some banks share pending charges sooner than others.
Will it blow up my phone?
No. Most of what hits your account is normal, so it stays quiet. If you want more or fewer texts, reply MORE or FEWER and it adjusts.
What can I ask it?
Anything about your own transactions. “What did we spend on fuel last month?” “Did the Halcyon payment clear?” “What's coming out this week?” It answers from your account data.
Can my bookkeeper or partner get texts too?
Yes. Add anyone to the thread and choose which accounts they hear about.
The next surprise charge is already on its way.
Hear about it first.
Join early access. We'll email you a setup link when your spot opens.