- Review of: Mint Bills
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Summary: Streamline your bill pay and view all of your accounts in one place with Mint Bill's incredibly simple mobile app. It's free, easy to use, and the reports feature aims to help keep your money and bills on track.
If you are looking for a free app to keep you on top of your bills and money, you don’t want to miss the new and improved Mint Bills app! Formerly named Check (and Pageonce before that), this app will assist you in getting organized so you never overdraft or forget to pay a bill again.
The market is pretty saturated with account tracking software, but Mint Bills is different.
While it doesn’t offer the budgeting capabilities of it’s Mint.com counterpart, it does offer the ability to view all of your bills, schedule payments, and make sure you have enough funds to cover them.
Additionally it offers something that seems to be a rarity with similar programs — simplicity. It’s one of the cleanest financial apps I’ve seen.
If you are looking for a very simplified, yet effective, financial app, Mint Bills could be the perfect option!
What is Mint Bills?
As of June 2014, Check was acquired by Intuit Inc., (the makers of Mint, Quicken, and other programs). More recently however, Check was renamed Mint Bills and has even more features added to the services.
How Does Mint Bills Work?
The Mint Bills app monitors your bank accounts and credit cards, as well as stays on top of your bills, all in one place. It lets you know when bills are due and when funds are low.
To sign-up, just enter your email address and create a password. If you’re already a Mint.com user you’ll have to create a new username and password. Right now Intuit has not integrated all of the Quicken, Mint, and Mint Bills accounts.
Next it’s time to start adding your accounts. Just like with any other similar program, all you need to link accounts is your login information for your bank accounts and credit cards.
Not to be confused with Mint.com, Mint Bills offers features that Mint.com does not. It’s more about aggregating all of your accounts, statements (like insurance and utilities), and paying bills via the app. Mint.com’s regular app is best for budgeting and viewing all your account balances.
The best part? Once you link your accounts, you don’t have to program in bill due dates. It’s automatically updated for you.
When you link a credit card, you will see your balance, minimum payment due, APR fees for the year (which are hopefully $0), due date, interest rate and recent transactions.
When you link a bank account, you will see your balance and recent transactions. Unlike some programs that only allow you to link your cash, credit, and investment accounts, Mint Bills also lets you link bill accounts, such as utilities, insurance policies, and internet or phone service.
Instead of having to login to each of these accounts each month to pay your bills, you can schedule all payments through Mint Bills. Since the app reminds you of your due dates, you won’t miss a payment again!
With Mint Bills you can manage payments to credit card companies, utility providers, lenders, and even your landlord.
Bonus feature: Mint Bills has a new dashboard feature that shows the totals for available cash, bills owed and minimum payment due, investment balances, credit card debt, offers and Credit Guard (an offer for a credit report and protection service).
These appear as convenient tiles on the main dashboard. Other features include the ability to manage existing connected accounts, view reports, access your settings, and add new accounts. You’ll also receive coupons for various retails stores, and credit card recommendations and offers on other financial products, such as mortgage lenders, insurance companies, etc.
The app is available for both iPhone and Android smartphones.
Mint Bills Features
|Mobile App||Yes – Apple iOS and Google Android|
Many people are a bit uneasy about sharing their personal information with a computer program, but with Mint Bills, security is built-in.
Mint Bills uses bank-level security, arming its app with 128-bit encryption and the physical security standards required of banks. It has been verified by several third party security experts, including TRUSTe and McAfee.
You can safeguard your information with a 4-digit PIN for app access. If your phone is ever lost or stolen, you can delete your information remotely. If the app notices any peculiar behavior in your spending, it will alert you to prevent possible fraud.
Upgrades and App Features
The mobile app still displays Check’s logo, as does the interface. But an update is currently pending to complete the name change merger.
Mint Bills has now made it even easier to manage your bills with the release of their updated smartphone and iPad app for iOS8.
The biggest and best features in the new apps include:
- Unlock with Touch ID
- Get Notifications via Mint Bills widget to quickly view and pay bills
- Modernized home screen and better navigation
- Scheduling bill payments from your iPad
- Snap photos of your credit card instead of entering them manually
- Expedited bill payments during a time crunch
With these added features, their goal is for you to never miss a payment, and stay on top of your financial situation.
Other key features for Mint Bills includes:
- Bill reminders
- Ability to pay bills immediately or schedule them in advance
- Conveniently pay bills with a bank account or credit card
- View all your bills, statements, and accounts in one place
- Receive alerts when funds are low or credit limits are near
Drawbacks to Mint Bills
Mint Bills is truly a great app for a quick look at your finances. That said, it’s not without faults.
The bill pay feature isn’t my favorite as I’ve had issues with bill payments going through when I scheduled them. Watch out for this if you tend to pay your bills the day they are due, it might take a few days to process.
Overall, I really like the simplicity of the app. I mainly use it as to aggregate all my investments, bank accounts and credit cards into one place.
It’s a quick snapshot of what my balance are, as well as this month’s bills. It’s free, easy to use, and it has everything I need in one place. It’s definitely a winner in my book!
Have you tested the new Mint Bills app? What are your favorite features?