OmniAccount

Hey Makers, I'm proud to announce our launch.

I built OmniAccount after losing $1,500 switching banks.

It sounds absurd, but here's what happened: I had 30+ recurring payments scattered across merchants; subscriptions, utilities, insurance, and when I moved to a new bank, things slipped through the cracks. Returned payment fees. Overdraft charges. Transactions hitting a closed account. I tried tracking everything in a spreadsheet, but something always got missed.

The worst part? Banks have zero incentive to make switching easy. They want you trapped.

So I sat on this problem for years until I finally built the thing I needed: OmniAccount.

The core idea is simple: create "wallets" that sit between merchants and your actual bank accounts. Merchants see the wallet's card—never your real account. When you switch banks, you update the wallet's funding source once. Not 50 merchant portals.

But it's not just for switching. Once you're set up, you have real control:

• Wallets for different parts of your life (subscriptions, groceries, fun money), with virtual cards

• Budgets that actually enforce themselves, with in-app approvals coming

• Transactional controls with your physical card

• Virtual bank accounts for merchants that don't accept cards, like your rent/mortgage

• AI that detects recurring charges and helps you stay organized with suggestions and optimizations

• Savings goals and debt pay-down with AI insight to make additional fund transfer/payments with budget overages

• Freeze a wallet instantly if a merchant acts up

• and so much more coming, like child accounts to help your kids manage finances, and business accounts for wholistic financial picture

I'm curious: what's the most frustrating part of managing your money today? Genuinely want to hear, I'm still building based on what people actually need, and we have a healthy roadmap ahead.