Real-Time Cashflow Visibility
See your income and spending update automatically whenever a new transaction pops up — no waiting for daily or weekly refreshes.
Insights for Every Member
You don't need a credit score or an Arro Card to start. Get actionable visibility from day one.
A Path Toward Credit Access
Your cashflow tells a more complete financial story. When you connect your bank, you help us understand your eligibility for the Arro Card.
Why Cashflow Matters More Than Credit Score Alone
Your everyday financial story matters. We're here to help you use it to move upward.
Old Way
Only looks at your credit score
Backward-looking data only
Misses your current financial reality
Excludes new-to-credit consumers
Arro Way
Real-time cashflow + credit score
Uses your financial life today
Understands stability & consistency
Inclusive of all financial stories
Arro
Today
You're pre-approved for the Arro Card!
See Insights in Action
Powerful features designed to give you complete visibility into your financial life
Live Income & Spending Tracking
Your cashflow updates instantly whenever you get paid or make a purchase.
Smart Categorization
See exactly where your money goes each week and month — powered by Plaid categories and Arro's AI engine.
Clear Patterns and Trends
Spot your biggest spending areas and understand your financial rhythm.
A Simpler Path to Qualification
The more we understand your cashflow, the more confidently we can evaluate your eligibility for the Arro Card.
Backed by Plaid for secure connections to 12,000+ banks
Bank-Level Security
No Fees to Connect
Encryption
Built for New-to-Credit and Growing Households
Whether you're building credit or building confidence, Insights gives you clarity.
No credit score required
Start building your financial story from day one, regardless of your credit history.
Designed to help you qualify with confidence
See your money clearly and strengthen your path to the Arro Card.
New to credit?
Start building your financial foundation with clear insights
Trying to build stability?
Wondering where you money goes every month?" we will automate this for you
How It Works
Get started with Arro Insights in three simple steps
01
Connect Your Bank
Securely link your checking account via Plaid.
02
See Your Cashflow Instantly
Money In / Money Out, categories, and recent transactions update in real time.
03
Strengthen Your Path to the Arro Card
Your live cashflow helps us understand your financial picture and evaluate eligibility.
Frequently Asked Questions
How does Arro Insights work?
Arro Insights connects to your bank account through Plaid to track your income and spending in real time. Once connected, the app automatically categorizes your transactions and shows you clear patterns in your cash flow, helping you see where your money comes from and where it goes. This real-time financial picture helps us better understand your eligibility for the Arro Card.
Does this help me qualify for the Arro Card?
Yes. Arro Insights provides a fuller view of your financial story beyond your credit score. By seeing your real-time income, spending patterns, and financial stability, we can make more informed decisions about your eligibility for the Arro Card. The more consistent and stable your cash flow, the stronger your qualification path.
Is connecting my bank safe and secure?
Absolutely. Arro uses Plaid, a trusted platform that connects to over 12,000 banks with bank-level security and encryption. We never see or store your login credentials. Plaid uses secure token authentication. Your data is protected with the same level of security that banks use to keep your information safe.
How often does my cash flow update?
Your cash flow updates in real time. Whenever you get paid or make a purchase, Arro Insights automatically refreshes to reflect your latest transactions, no waiting for daily or weekly syncs. You'll always see your most current financial picture.
What banks can I connect to?
You can connect accounts from over 12,000 banks and credit unions across the United States through Plaid. This includes major national banks, regional banks, credit unions, and online banks. If your bank supports online banking, it's likely compatible with Arro Insights.
Do I need a credit score to use Insights?
No. Arro Insights is designed to work for everyone, regardless of credit history. You don't need an existing credit score to start using Arro Insights; in fact, that's the whole point. We want to help you build your financial story from day one, whether you're new to credit or rebuilding.
See your money clearly. Build your future confidently.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.