So many accounts are not available to link. Cell phone carrier, car insurance, water utility company. I gave up and didn't see how many more aren't on the list. Also, you can not add a bill from the bank transactions, you have to manually enter each. You should be able to go to transactions and from the "categorize" area, make a recurring bill and select monthly etc. It shows an account balance separate from available balance. My bank only shows available balance, why does it show both in app?