Read-only
FolksGuard can't move money, make payments, or change anything at the bank.
Financial safety for aging parents
A second set of eyes on Mom and Dad's money.
FolksGuard watches your parents' bank and card accounts for likely scams, gambling, and money mistakes, and gives you a heads-up while there's still time to help.
Join the waitlistFree to join · Your parent stays in control
FolksGuardnow
Unusual transfer from Dad's checking
$2,400 by Zelle to someone he has never paid before.
Why families need this now
Scams now sound like the bank, the IRS, or a grandchild in trouble.
By the time most families hear about it, the money is already gone.
What FolksGuard catches
The warning signs that are easy to miss from a distance.
Scams
Money leaving fast, to people they don't know.
Most scams show up in the accounts before anyone talks about them. FolksGuard flags the patterns that usually mean trouble.
- Large wires or Zelle payments to new recipients
- First-ever transfers to crypto exchanges
- Cash withdrawals far above normal
- Savings drained over a few days
Example alert
Mom · Savings ··2208High
Mom's savings dropped $9,800 in 3 days, mostly as cash withdrawals.
Why you're seeing this: she usually withdraws about $300 a week.
Gambling
Betting that's starting to grow.
Online sportsbooks and casino apps are a tap away. FolksGuard notices new gambling charges and tells you when they start climbing.
- New sportsbook or online casino charges
- Sweepstakes casino purchases
- Deposits getting bigger or more frequent
- Cash withdrawals at casinos
Example alert
Dad · Credit card ··9013Medium
Dad spent $1,250 at an online sportsbook this week, up from $150 last month.
Why you're seeing this: gambling deposits rose 8× in four weeks.
Knows what's normal
It learns how your parents usually spend.
A $3,000 check is routine for one family and alarming for another. FolksGuard compares each week with your parent's own history, so alerts are about real changes.
Example: weekly spending
Usual week: about $600This week: $3,050
Money mistakes
The small leaks, rounded up once a week.
Not everything needs a phone call. Forgotten subscriptions, free trials that started charging, and duplicate charges arrive in a Sunday summary instead.
Example Sunday summary
Transactions this week41
New subscriptions2 · $27.98/mo
Duplicate charge$64.10
Alerts this weekNone
Made for both of you
Help without taking over.
You get peace of mind. Your parent keeps their independence and decides what you see.
For you
- Alerts by text and email, in plain English
- A short script for checking in without sounding accusatory
- Clear next steps when you need to call the bank
- Siblings can share the same view
For your parent
- They choose what's shared: alerts only, a weekly summary, or everything
- They can see who looked at what, and when
- A quick "Was this you?" text before anything goes to family
- Nothing to install, and they can pause it anytime
Safe by design
FolksGuard never touches your parent's money.
No passwords
Your parent logs in on their bank's own screen through Plaid. We never see or store bank passwords.
Their choice
Nothing happens without your parent's agreement, and they can change what's shared anytime.
Never sold
Your family's data is used only to send your alerts and summaries. We never sell it.
FolksGuard points out warning signs. It can't catch everything, and it never replaces your parent's bank or the police when money is at risk.
Getting started
Three steps, then we keep watch.
Invite your parent
Enter their name and phone number. They get a text from FolksGuard that names you.
They link their accounts
Your parent chooses what to share and logs in to their bank through Plaid. It takes about five minutes, ideally on a call with you.
You get a heads-up
When something looks wrong, you'll usually hear about it within a few hours. Everything else waits for the Sunday summary.
Planned price
$12 per parent / month
- Alerts for scams, gambling and money mistakes
- Sunday summary
- Up to 3 family members watching
- Cancel anytime
Joining the waitlist is free. You won't be charged.
Questions
What families ask first
Does my parent have to agree?
Yes. Your parent links their own accounts and chooses what you can see. They can change that or turn FolksGuard off at any time, and you'll be told if they do.
Can FolksGuard move my parent's money?
No. FolksGuard can only read transactions. It can't make payments, move money, or change anything at the bank.
Does my parent need to install anything?
No. Your parent follows a link from a text or email, chooses what to share, and logs in to their bank. That's it.
Which banks work?
Most US banks and credit unions connect through Plaid. Tell us your parent's bank when you join and we'll check.
What happens when I get an alert?
You'll see what happened and why it was flagged. You can mark it as fine, check in with your parent using a short script, or follow steps for contacting the bank's fraud line.
What does it cost?
The planned price is $12 per parent per month. Joining the waitlist is free.
Will you sell our data?
No. Your family's data is used only to send your alerts and summaries.
They looked after you for years. Now you can look out for them.
Join the waitlistFree to join · Your parent stays in control
