Manage all your bank accounts in one place.
Connect accounts across institutions, monitor balances and transactions, and simplify transfers with an affordable platform built for consumers and small business owners.
Target users
Consumers + SMBs
Core MVP scope
Aggregation + transfers
Pricing posture
Premium feel, lower cost
Unified balance
$259,370
Institutions
3 linked
Transfers
1 in review
Monitoring
Credit soon
Transfer workflow
Review routing, fee visibility, and status steps before initiating supported movement.
Roadmap signals
Too many users still manage money by bank login roulette.
Consumers and small business owners often spread funds across multiple institutions, but most tools either feel fragmented, too expensive, or built for much larger finance teams.
Small business owners
Track operating cash across payroll, reserve, and tax accounts without paying for enterprise treasury tooling.
Everyday consumers
Monitor checking, savings, and spending accounts from multiple banks without piecing together separate logins.
Cost-sensitive users
Choose a lightweight free or starter path first, then upgrade only when premium insights or transfer features matter.
A simple path from fragmented banking to one connected operating view.
The platform is organized around a short, understandable flow: connect institutions, review cash and transactions, then move into the workflows that matter.
01
Connect institutions securely
Users launch a Plaid-powered linking flow, pick their bank, and authorize the account connections they want included.
02
See balances and transactions in one place
Northline consolidates balances, account health, and transaction activity into one dashboard built for clarity.
03
Take action with guided money movement
Users can review a transfer path, expected timing, and fees before initiating supported movement between linked institutions.
04
Grow into financial wellness tools
As the product expands, users unlock debt support, credit insight tools, and additional online banking assistance.
Built for visibility first, then action.
The product stays focused on the core day-to-day banking workflows first, with more advanced tools clearly staged for later.
Multi-bank account aggregation
Available NowBring checking, savings, and business operating accounts into one view so users stop hopping between bank portals.
• Connect multiple institutions
• Unified account cards
• Institution-level health status
Real-time balance visibility
Available NowSurface total cash position, account-level balances, and quick cash movement cues from a single dashboard.
• Cash position summary
• Available vs. current balance
• Low-balance and deposit alerts
Transaction history and summaries
MvpCategorize activity, monitor recurring spend, and give owners or households a simpler way to understand flow across institutions.
• Recent transactions feed
• Category summaries
• Cash in / cash out snapshots
Transfer workflows between linked institutions
MvpProvide a compliant, guided workflow for moving funds between approved linked accounts as capabilities mature.
• Transfer initiation flow
• Fee visibility
• Transfer status timeline
A premium dashboard that still feels approachable.
The mock product experience is styled as a real operating workspace, with realistic cards, alerts, cash flow summaries, and staged wellness widgets.
$259,370
Available cash $257,920 across 3 institutions
30-day inflow
$61,200
+6.2%
30-day outflow
$42,100
-2.8%
Alerts
3 activeTax reserve below target by $3.4K
Two institutions synced in the last 15 minutes
Transfer review ready for approval
Linked accounts
3 activeChase · Operating
Business Checking · •••• 2481
$43,820
Available $42,680
Capital One · Reserve
High-Yield Savings · •••• 9022
$185,400
Available $185,400
Bank of America · Tax Holdback
Business Savings · •••• 1124
$30,150
Available $29,840
Cash flow summary
Six-month snapshot of inflow versus outflow.
Transfer panel
Guided movement between approved linked institutions with transparent review.
Ready for review
$5,000 from Reserve to Operating
Transfer fee: $2
Status: review
ETA: Same day review, subject to bank timing
Recent transactions
Stripe Payout
Income · Operating · Apr 16
$9,200
posted
Mercury Payroll Transfer
Payroll · Operating · Apr 15
-$5,400
posted
AWS
Software · Reserve · Apr 15
-$682
pending
Client Retainer
Income · Operating · Apr 14
$3,400
posted
IRS Estimated Tax
Tax · Tax Holdback · Apr 13
-$1,800
posted
Spending categories
Credit snapshot
708
+14 pts over 90 days
Utilization: 22%
Pay down revolving balance by $600 to test a lower-utilization scenario.
Debt progress
$18,200
Remaining balance target
Paid down: $6,400
Target date: February 2027
Maintain current payment pace and prioritize the highest-interest balance first.
Clear enough for customers, careful enough for compliance review.
Messaging emphasizes secure third-party integrations, honest staging of capabilities, and realistic language around transfer approvals and regulated services.
Built around secure third-party connectivity
Plaid-powered account linking is positioned as the secure bridge for institution connectivity while the product focuses on user experience and orchestration.
Careful compliance positioning
The MVP copy avoids unsupported claims and clearly labels transfer capabilities and advanced services as subject to review and future approvals.
Transparent product staging
Users can see what is available now, what is planned, and where approval-dependent features still require additional operational readiness.
Flexible enough for cost-sensitive users.
Northline keeps the plan structure simple so users can start with visibility and grow into richer workflows when they need them.
Starter
$0
Entry plan for users who want linked-account visibility and a clean daily workspace.
Northline Plus
$19/mo
Full workspace plan for multi-account households and small businesses.
Transfer Flex
$2 same-day
Pay-as-you-go path for users who want guided same-day transfer access without a full subscription.
Start with the essentials and keep the workflow focused.
The platform is easiest to use when it emphasizes a few clear tasks: connect accounts, review transactions, understand balances, and get help when you need it.
Clear enough for everyday users and disciplined enough for operators.
The interface is intentionally designed to feel calm, understandable, and useful across both consumer and small-business use cases.
“This feels like the first multi-bank product that respects smaller operators. I can see cash clearly without paying enterprise software prices.”
Maya Chen
Owner, Harbor Lane Studio
“The dashboard makes it obvious where our balances sit and which accounts need attention. It feels structured enough to use as a real operating surface.”
Andre Lewis
Founder, Northfield Services
“I want one place for my household accounts and future credit tools. The flow is simple and the language doesn’t feel intimidating.”
Leah Patel
Consumer user
Short answers to the most common questions.
The full FAQ page covers security, pricing, feature staging, and how account linking works.
How does account linking work?
Users launch a secure Plaid-powered connection flow, choose their financial institution, authenticate with that provider, and select which accounts to share with Northline.
Can users move money between banks today?
The MVP demonstrates a transfer workflow and can be wired to supported Plaid transfer capabilities later. Production rollout would remain subject to compliance, approvals, and product readiness.
What is available now versus later?
Account aggregation, balances visibility, dashboard insights, pricing exploration, and the Plaid linking demo are available in the MVP. Debt assistance, credit repair guidance, monitoring, and score simulation are planned features.