Mobile app maker PrismMoney is on a commendable mission. As the company points out, more than 60% of Americans are living paycheck to paycheck. According to a study published by Bankrate earlier this month and covered by The Wall Street Journal, only 38% of people polled said that they had enough money in the bank to cover a surprise $500 repair bill or a $1,000 emergency room visit.

At the same time,PrismMoney also notes that banks in the U.S. recently raised average overdraft fees to a record high of $30 per incident, which led to the collection of overdraft fees totalling $32 billion in 2014.

It’s hard to imagine that one app can undo all of that damage, but Prism aims to try.

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Prism is a free app for the iPhone, iPad, Android, Windows Phone, Windows 8 and the Kindle Fire. The app’s goal is to simplify budgeting, banking and bill payments so that users can better manage their money to avoid costly overdraft fees and additional fees due to late payments.

The app not only notifies users when payments are due, it also checks bank account balances to help the user ensure that he or she has enough money to cover the payment. Payments are made from directly within the app, and they’re almost instant; say goodbye to the days of submitting a payment and still getting slapped with a late fee because it takes 1-2 days to “process.”

Prism’s full App Store description can be found below along with links to download the iOS and Android versions of the app.

Prism is the best way to track and pay all of your bills, anytime, anywhere. Best of all: it’s completely free.

It’s easy to get started! Simply find your billers and enter your login details. We’ll present you with all of your bills and recent payments, and you’ll be able to quickly see what’s due. When you’re ready, pay your bill in seconds!

• Prism is 100% free. There are no monthly charges or hidden fees.
• See when your upcoming bills are due and how much you owe.
• Pay your bills anytime, anywhere, directly from within the app.
• Check your account balances to make sure you have enough cash.
• Be instantly notified as new bills arrive or if anything is amiss.
• Pay with maximum flexibility: use your credit card, debit card or bank account.
• Message our friendly support team with any questions or feedback.
• Your information is safe and secure with us, protected with bank-level encryption.

Prism is 100% dedicated to your customer experience. We don’t have any sneaky fees for payment; every payment method (including credit cards) is free, and most bills are credited same-day (again, for free). You can message our support and rest assured that Rachel will personally get back to you quickly and help resolve your problem. Check out our reviews!

Prism supports thousands of banks including JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, Bancorp, Capital One, Mellon, HSBC, PNC, TD Bank, SunTrust, Fifth Third, Santander Bank, U.S. Bank. We also support most credit unions, including USAA, Navy Federal Credit Union, State Employees Credit Union, Pentagon Credit Union, Boeing Employees Credit Union, America First Credit Union, Suncoast Credit Union, Alliant Credit Union, Schools First Credit Union, Digital Credit Union, Golden1 Credit Union, and many others.

You can see your credit card balances and pay your bill for most credit cards, including: AMEX (American Express) Credit Cards, Discover Credit Cards, Bank of America Credit Cards, Capital One Credit Cards, Citibank Credit Cards, Credit One Credit Cards, Macy’s Credit Cards, Target REDcard, Barclaycard, JCPenney Credit Card, Victoria’s Secret Angel Card, Kohl’s Credit Card, GE Capital Credit Cards, Best Buy Credit Cards, Amazon.com Cards, Home Depot Credit Cards, Lowe’s Credit Cards, Sears Credit Cards, and hundreds more.

Even better, we support all of your billers. The most popular include: AT&T, Verizon Wireless, Sprint, Comcast, T-Mobile, Orchard Bank, DirecTV, Netflix, Time Warner, GEICO, DISH, PayPal, Bill Me Later, Sallie Mae Student Loans, State Farm, Travelers, Progressive, Cox Communications, Charter Communications, Ally Auto, Allstate, Travelers, National Grid, and thousands more.

Download Prism for iPhone and iPad

Download Prism for Android

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