Qapital is a personal finance app that helps its members find their path to money happiness by offering FDIC-insured checking and savings accounts, as well as behavioral psychology-rooted savings tools. The goal is for members to spend confidently on things they love while achieving their financial goals. With Plaid's API, Qapital consistently connects to members' bank accounts, protecting them from NSF/overdraft fees. As a result, its 1.7 million members have saved an average of $5,000 per year, totaling over $1 billion in savings.