For households hit by bank and card fees: fetch your own statements (no bank login, ever) and see every fee — including the interest charged on the fees themselves.
How it works
- Welcome — no bank login, ever. Guided Fetch starts with your bank's label, and you fetch your statements yourself: paste or upload a CSV, or enter lines by hand, then check the proof screen
- Detect: every fee is classified by a plain-word type, the fee totals are exact, pattern flags catch cascades and re-presentment repeats — and the interest charged on the fees themselves is estimated with its math shown (fee × APR × days ÷ 365)
- Report Card home: the fees this month as an exact figure, the estimate line, the year total, the trend, and the “as of” dates — and each fee opens to its detail with one primary action
- Refund Center: one editable draft citing provable facts, which you send in your own voice — Asked, then Waiting, and money counts as back only when a refund line is confirmed in a later fetch
- Prevent: paydays and a bill calendar from your recurring lines, next month's danger days labeled as estimates, and a per-bank settings checklist
- Subscription Hub: every recurring charge in one place — amount, cadence, next charge, total paid to date, and yearly cost with the math shown — with cancellation tracked to an honest confirmed end
- Settings and Trust: re-fetch, delete your originals, delete everything, or export your ledger
Guided Fetch — you fetch your own statements
This is the product's founding law, stated plainly: you fetch your own statements yourself. FeeShield never asks for your bank login, and there is no live pipe to your bank — ever. Its welcome says it in four words: no bank login, ever.
Guided Fetch starts with your bank's label, and you bring the statement here — paste or upload a CSV, or enter lines by hand — and then check the proof screen before anything is read from it.
Reading statements honestly, in the current test-mode build: CSV is reliable, PDF is best-effort, and manual entry is always available. A bank it cannot read produces the honest answer: “we can't read this bank yet.”
- Your statements come from you, fetched by you — never pulled through a bank login
- Settings and Trust gives you the controls that follow from that: re-fetch, delete your originals, delete everything, or export your ledger
Every fee — including the interest charged on the fees
Detection classifies every fee it finds by a plain-word type and totals the fees exactly. It also flags the patterns that turn one fee into many: cascades, and re-presentment repeats.
A fee rarely costs only the fee. FeeShield also estimates the interest charged on the fees themselves, and the math is shown, not hidden — tap to see it: the fee × the APR × the days ÷ 365. The estimate is labeled an estimate; the fee totals themselves are exact.
Your Report Card home carries it all in one place: the fees this month as an exact figure, the estimate line, the year total, the trend, and the “as of” dates it rests on. Each fee opens to its own detail, with one primary action.
The Refund Center — a coach, not an agent
FeeShield coaches you to ask for your fees back; it does not ask for you. The Refund Center prepares one editable draft that cites provable facts from your own statement, written for you to send in your own voice — you ask for the refund yourself, and FeeShield never contacts your bank for you.
An ask is then tracked honestly: Asked, then Waiting. Money counts as back only when a refund line is confirmed in a later fetch — and “Recovered this year” counts only refunds seen on a statement, never promises, never expectations.
The playbooks behind the drafts are generic per-fee-type templates until bank-verified, dated content exists — they are presented as templates, not as bank-specific promises.
Next month's danger days
Prevention is built from your own recurring lines: your paydays and your bill calendar, read from the charges that actually repeat. From them, the product works out next month's danger days — the days a fee is most likely to land — and labels them as what they are: estimates.
A per-bank settings checklist walks you through the settings that turn the next fee off before it lands.
Every subscription, in one hub
The Subscription Hub shows every recurring charge in one place you can act on: each charge's amount, its cadence, its next charge, the total paid to date, and its yearly cost — with the math shown.
Cancellation is tracked to an honest confirmed end. In test mode a cancellation cannot be completed for real with the merchant: what is tracked is your attempt, and the end counts as confirmed only when a later statement confirms it.
One law is already set
Pricing has not been set. One law is already set: never a fee to fight a fee, and never a percentage of a refund.
That law runs further: no share of a refund is taken at any percentage, and there is no charge per refund request, per export, or for deleting your data. If a price is ever decided, billing may be set up only as a flat subscription, on this product's own account — and only after that decision. Nothing is armed today, and there is nothing to buy on this page.
Where it stands — the honest state
FeeShield is in its founding stage. The build that exists today is a test-mode web app that starts empty. This page is its front door, and today this door does one honest thing: it takes the interest list.
“FeeShield” is the working name only — no name decision exists. The founder's decisions are still parked, all of them: the name, the price, whether it launches as coach-not-agent, its brand relationship, where processing happens (on-device or on a server — unsettled), and its sequence. None of them is presented here as settled, because none of them is.
No price has been set. Proposals exist on file, but none of them has been ratified, and no figure from them is shown here as this product's price.
Before launch, a counsel review stands: CROA and state credit-services exposure, the edges of bank terms of service, and trademark. Counsel is the founder's to engage, and that review has not happened. A pre-build validation of the opening wedge, with its agreed pass and kill lines, also stands before launch — it is outreach, it is gated, and it has not been run.
Join the interest list
This is the interest list — interest only. Leave your name and email, and we will write to this list when there is news about this product. Joining does not create an account, does not fetch any statement, and never asks for a bank login — there is no bank login here, ever.