Best Bill Organizer App for Android and iPhone: Top Cross-Platform Picks, Shared Bill Calendars, and Family Options

If you're juggling bills across different devices and people in your household, you know the stress of wondering if someone paid the electric bill or if that credit card payment went through. The right cross-device system helps you avoid late fees and avoid overdrafts that make tight budgets even tighter. About 35% of U.S. adults say it's hard to cover usual expenses, and missed payment fees make that challenge worse (https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-and-credit.htm). Smart alerts and coordinated payment systems can help you stay on top of due dates and avoid those costly surprises (https://www.consumerfinance.gov/about-us/blog/overdraft-and-overdraft-fees-key-facts/).

This guide covers everything you need to choose the best bill organizer app for Android and iPhone that works seamlessly across devices. You'll discover which options support a shared bill calendar, family and roommate coordination tools, and whether they actually pay bills or just track them. We'll help you choose based on your budget, household setup, and paycheck timing.

Why this matters: Proper bill organization helps you avoid late fees and overdrafts through clear due-date views and smart reminders (https://www.consumerfinance.gov/about-us/blog/overdraft-and-overdraft-fees-key-facts/). Shared calendars keep everyone on the same page about responsibilities. Bank connections and biller sync reduce manual work, with optional autopay for hands-off management.

This guide is for singles, couples, families, and roommates who want a cross platform bill tracker that works on any device. Whether you're migrating from Mint or starting fresh, you'll find the right solution here.

Throughout this guide, we'll highlight how Cash Flow Calendar's cloud-based, cross-device shared bill calendar fits couples and households who need coordinated bill management.

The Quick Answer: Our Top Picks for the Best Bill Organizer App for Android and iPhone (60 Seconds)

A current roundup names Rocket Money, Monarch Money, Simplifi, YNAB, and Honeydue as leaders for bills, subscriptions, and shared finances due to their strong reminders, cancellation tools, and shared access features (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best overall cross platform bill tracker: Prism provides bill aggregation with strong reminders, centralized viewing, and payment options (https://senki.io/post/best-bill-organizer-app).

Best for automatic bill negotiation and tracking: Rocket Money (formerly Truebill) detects subscriptions, handles cancellation and negotiation, and sends reliable reminders (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best family bill organizer app (couples and households): Honeydue offers shared bills, in-app messaging, and joint visibility for coordinated household management (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best for roommates and splitting bills: Splitwise handles splitting and settling shared expenses, pair it with Google or Apple Calendar for due date tracking (https://help.splitwise.com/hc/en-us/articles/200492894-What-is-Splitwise-and-how-does-it-work-).

Best shared bill calendar app: Dollarbird provides collaborative calendar-style budgeting with clear due date visualization.

Best budget-first with scheduled bills: YNAB excels at scheduled transactions and cash-flow planning, though it tracks rather than pays bills (https://www.ynab.com/method).

Best premium all-in-one finance with bill tracking: Monarch Money offers robust aggregation, shared household features, and comprehensive goal tracking (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best low-cost/simple tracker: Goodbudget or Wallet use the envelope method with reminders and manual-friendly interfaces (https://senki.io/post/best-bill-organizer-app).

Best for snap-and-pay paper bills: Papaya handles photo bill pay for medical and utility bills through a per-transaction experience (https://www.ppaya.com/how-it-works).

Also consider: Doxo covers a large biller network (watch for delivery fees) (https://plan2winsoftware.com/post/the-best-bill-pay-reminders-on-mobile.html), and Simplifi by Quicken provides clean bill lists with solid reminders (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Featured for couples: Cash Flow Calendar offers cloud-based, cross-device shared bill calendar functionality built specifically for households (Android, iPhone, and web). Try Cash Flow Calendar to coordinate bills together.

How We Chose the Best Bill Organizer App for Android and iPhone

Our evaluation focused on must-have criteria for cross-platform bill management:

Must-have features:

• Native Android and iPhone apps with near-feature parity, plus optional web access
• Reliable reminders and due-date views in both list and shared bill calendar formats
• Bank and biller connections through trusted services (Plaid, Finicity, Yodlee) or easy manual entry
• Household sharing capabilities or shared calendar options
• Transparent pricing and simple onboarding process
• Security through vetted third-party aggregators and clear privacy practices (https://www.fdic.gov/resources/consumers/consumer-news/2021-02.html)

Nice-to-have features:

• In-app bill pay or direct-to-biller payment processing
• Subscription cancellation tools and fee negotiation services
• Calendar sync with Google, Apple, or Outlook, plus widgets and voice assistant integrations
• International availability beyond the U.S. market

What we excluded and why:

• Budget-only apps without bill tracking surfaces
• iOS-only or Android-only apps that don't support cross-platform households

Best Cross Platform Bill Tracker Apps for Android and iPhone (Detailed Reviews and Use Cases)

Prism: Best Overall for Bill Aggregation and Payments in One Place

Platforms: iOS, Android

Prism stands out by connecting to many billers and centralizing both bill viewing and payment processing in one app with excellent reminder systems (https://senki.io/post/best-bill-organizer-app).

Best for: Users who want one app to see upcoming bills and pay them on time without switching between multiple platforms.

Key features: Calendar and list views of upcoming bills, customizable due-date alerts, manual and automatic payment options, and calendar export functionality for external planning.

Considerations: Biller coverage focuses primarily on U.S. providers, so confirm support for your specific service providers before committing.

Sources:

• https://senki.io/post/best-bill-organizer-app

Rocket Money (Truebill): Best for Subscription Control + Bill Tracking

Platforms: iOS, Android, Web

Rocket Money excels at finding hidden subscriptions, negotiating eligible bills, and canceling unwanted services while maintaining solid bill tracking features (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best for: People looking to reduce monthly bills and simplify recurring charges while keeping track of remaining obligations.

Key features: Smart due-date reminders, budget overview dashboards, Smart Savings features, and cancellation concierge service for unwanted subscriptions.

Considerations: Negotiation services involve fees or savings sharing arrangements. Most bills are tracked rather than paid directly through the app.

Sources:

• https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/

Honeydue: Best Family Bill Organizer App for Couples and Households

Platforms: iOS, Android

Honeydue provides shared visibility of bills and accounts, joint categorization, and in-app messaging for household coordination (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best for: Couples wanting transparency, accountability, and simple coordination tools for managing shared financial responsibilities.

Key features: Shared calendar-like bill views, custom due date settings, secure bank connections, and partner communication tools.

Considerations: Less advanced budgeting automation compared to comprehensive finance apps, focusing primarily on tracking and coordination.

Sources:

• https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/

Splitwise + Shared Bill Calendar: Best for Roommates and Bill Splitting

Platforms: iOS, Android, Web

Splitwise handles shared expenses like rent, utilities, and subscriptions with recurring entries and streamlined settling processes (https://help.splitwise.com/hc/en-us/articles/200492894-What-is-Splitwise-and-how-does-it-work-).

Best for: Households splitting utilities, rent, and shared services among multiple people with complex payment arrangements.

Key features: Automatic split calculations, recurring expense tracking, payment integrations, and balance settlement tools.

Considerations: Not a full bill pay platform. Pair with a shared calendar and reminder workflow for complete due date management.

Sources:

• https://help.splitwise.com/hc/en-us/articles/200492894-What-is-Splitwise-and-how-does-it-work-

Dollarbird: Best Shared Bill Calendar Experience

Platforms: iOS, Android

Dollarbird takes a collaborative, calendar-first approach to cash flow and bill management with strong visual planning tools.

Best for: Visual planners who prefer seeing bills and expenses in calendar format with team collaboration features.

Key features: Team collaboration tools, recurring bill entries, past and future financial planning, and intuitive calendar interfaces.

Considerations: Requires manual data entry for some bills and may need complementary bank-sync tools for comprehensive coverage.

Sources:

• No source provided

Monarch Money: Best Premium All-In-One Finance with Bill Tracking

Platforms: iOS, Android, Web

Monarch Money combines powerful account aggregation with shared household controls, goal tracking, and detailed cash flow timelines (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best for: Families wanting a comprehensive cross-device finance hub that handles bills alongside broader financial planning.

Key features: Recurring bill management, integrated calendar views, shared household access, rule-based transaction categorization, and goal tracking.

Considerations: Premium subscription pricing. Bill payments typically handled outside the app through linked bank accounts or biller portals.

Sources:

• https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/

YNAB: Best for Paycheck Timing and Planned Bills (Track, Not Pay)

Platforms: iOS, Android, Web

YNAB uses zero-based budgeting to help plan bills against incoming paychecks with precision timing control (https://www.ynab.com/method).

Best for: Users who want detailed cash-flow planning and scheduled transaction management aligned with their income cycle.

Key features: Scheduled bill entries, savings targets, "age your money" metrics, comprehensive goal tracking, and paycheck-based planning.

Considerations: No direct bill payment functionality. Steeper learning curve than simpler tracking apps, requiring commitment to the full budgeting methodology.

Sources:

• https://www.ynab.com/method

Papaya: Best for Photo Bill Pay (Paper and Medical Bills)

Platforms: iOS, Android

Papaya allows you to snap photos of paper bills to pay many billers without creating individual online accounts (https://www.ppaya.com/how-it-works).

Best for: Handling occasional or paper-heavy billers, particularly medical providers and utilities that don't offer convenient online payment options.

Key features: Photo OCR technology, automatic bill recognition, due date reminders, multiple payment method support.

Considerations: Per-transaction workflow rather than ongoing management. Check processing fees and payment timing for each transaction type.

Sources:

• https://www.ppaya.com/how-it-works

Simplifi by Quicken: Clean Bill List with Solid Cross-Platform Apps

Platforms: iOS, Android, Web

Simplifi provides intuitive interfaces for tracking bills, income, and goals across all devices with modern design and solid functionality (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

Best for: Users wanting modern bill tracking, reliable alerts, and projected cash flow analysis without complex features.

Key features: Smart reminders, financial watchlists, integrated savings goals, and clean cross-platform synchronization.

Considerations: No native bill payment processing. Requires subscription fee for full feature access.

Sources:

• https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/

Goodbudget or Wallet: Best Low-Cost/Manual-First Trackers

Platforms: iOS, Android, Web (varies by app)

These apps use the envelope method for recurring bills with beginner-friendly interfaces and cross-device syncing capabilities (https://senki.io/post/best-bill-organizer-app).

Best for: Manual-entry fans or those avoiding bank connections who prefer hands-on budget control.

Key features: Shared household support (Goodbudget), recurring envelope allocations, customizable reminders, and offline capability.

Considerations: Requires more manual maintenance. Limited automation compared to bank-connected alternatives.

Sources:

• https://senki.io/post/best-bill-organizer-app

Doxo: Large Biller Network with Delivery Options

Platforms: iOS, Android, Web

Doxo enables payment to many billers from one platform with reminders and document storage capabilities (https://plan2winsoftware.com/post/the-best-bill-pay-reminders-on-mobile.html).

Best for: Users wanting centralized payment processing and confirmation tracking across many different service providers.

Key features: Extensive biller discovery, payment confirmation tracking, customizable due-date alerts, and document organization.

Considerations: Potential delivery and service fees per payment. Verify total cost per transaction before committing to regular use.

Sources:

• https://plan2winsoftware.com/post/the-best-bill-pay-reminders-on-mobile.html

Comparison at a Glance (Cross-Platform, Shared Calendar, Family Features, Pricing)

With 60% of U.S. adults using mobile banking and relying on apps for payments and alerts, cross-platform support has become essential for household bill management (https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-and-credit.htm).

Prism

• Platforms: Android, iPhone
• Cross platform bill tracker: Yes, full feature parity
• In-app bill pay: Yes, free for most billers
• Shared bill calendar: Calendar export to shared calendars
• Family/roommate sharing: Basic account sharing
• Bank/biller connections: Extensive U.S. coverage
• Notable extras: Free bill pay, calendar integration
• Price and free trial: Free with optional premium features
• Best for: All-in-one bill viewing and payment

Rocket Money

• Platforms: Android, iPhone, Web
• Cross platform bill tracker: Yes, full parity
• In-app bill pay: Limited, mainly tracking
• Shared bill calendar: Basic calendar views
• Family/roommate sharing: Individual accounts only
• Bank/biller connections: Comprehensive aggregation
• Notable extras: Subscription cancellation, bill negotiation
• Price and free trial: Free tier, premium subscriptions available
• Best for: Subscription management and bill reduction

Honeydue

• Platforms: Android, iPhone
• Cross platform bill tracker: Yes, designed for sharing
• In-app bill pay: No, tracking and alerts only
• Shared bill calendar: Built-in shared bill views
• Family/roommate sharing: Core feature for couples
• Bank/biller connections: Standard aggregation
• Notable extras: Partner messaging, shared notifications
• Price and free trial: Free with premium options
• Best for: Couples and household coordination

Splitwise

• Platforms: Android, iPhone, Web
• Cross platform bill tracker: Bill splitting, not tracking
• In-app bill pay: Settlement payments only
• Shared bill calendar: Requires external calendar integration
• Family/roommate sharing: Core functionality
• Bank/biller connections: Payment processing only
• Notable extras: Recurring expense splits, automatic calculations
• Price and free trial: Free tier, premium for groups
• Best for: Roommates splitting shared expenses

Monarch Money

• Platforms: Android, iPhone, Web
• Cross platform bill tracker: Yes, comprehensive
• In-app bill pay: No, external payment links
• Shared bill calendar: Built-in calendar with sharing
• Family/roommate sharing: Full household management
• Bank/biller connections: Premium aggregation
• Notable extras: Investment tracking, comprehensive goals
• Price and free trial: Premium subscription with trial
• Best for: Complete household financial management

YNAB

• Platforms: Android, iPhone, Web
• Cross platform bill tracker: Scheduled transactions
• In-app bill pay: No, budget planning only
• Shared bill calendar: Shared budget with scheduled items
• Family/roommate sharing: Full budget sharing
• Bank/biller connections: Transaction import only
• Notable extras: Zero-based budgeting methodology
• Price and free trial: Subscription with free trial
• Best for: Paycheck-aligned bill planning

Sources:

• https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-and-credit.htm

Which One Is Right for You? Decision Guide to the Best Bill Organizer App for Android and iPhone

If you want to pay and track in one app: Start with Prism or Doxo, but review any delivery or payment fees before committing (https://plan2winsoftware.com/post/the-best-bill-pay-reminders-on-mobile.html).

If you want to lower bills and cancel subscriptions: Choose Rocket Money for its negotiation and cancellation tools that can reduce monthly expenses (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

If you need a family bill organizer app: Try Honeydue for simple shared coordination or Monarch Money for powerful household management features (https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/).

If you split with roommates: Use Splitwise combined with a shared bill calendar through Google, Apple, or Outlook Calendar (https://help.splitwise.com/hc/en-us/articles/200492894-What-is-Splitwise-and-how-does-it-work-).

If you prefer calendar-first planning: Dollarbird provides collaborative calendar interfaces for visual bill management.

If you budget by paycheck and plan bills tightly: YNAB excels with scheduled transactions and zero-based budgeting methodology (https://www.ynab.com/method). For a practical setup, see our biweekly paycheck budget calendar.

If you want simple and low-cost: Goodbudget or Wallet offer manual-friendly envelope systems (https://senki.io/post/best-bill-organizer-app).

International users: Check availability and bank coverage for Monarch, YNAB, Splitwise, and Wallet in your region.

Consumer tip: Compare costs, features like alerts and autopay, and data access terms before connecting accounts to any financial service (https://www.consumerfinance.gov/about-us/blog/protecting-consumers-in-the-world-of-financial-data-sharing/).

Featured for couples and households: Try Cash Flow Calendar's cloud-based shared bill calendar for coordinated due dates across Android and iPhone.

Sources:

• https://plan2winsoftware.com/post/the-best-bill-pay-reminders-on-mobile.html
• https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-bill-management-app/
• https://help.splitwise.com/hc/en-us/articles/200492894-What-is-Splitwise-and-how-does-it-work-
• https://www.ynab.com/method
• https://senki.io/post/best-bill-organizer-app
• https://www.consumerfinance.gov/about-us/blog/protecting-consumers-in-the-world-of-financial-data-sharing/

Setup Guide: From Download to a Shared Bill Calendar in 15 Minutes

Setting up bill tracking and reminders now reduces missed payments and costly late fees (https://www.consumerfinance.gov/about-us/blog/preventing-late-fees-on-your-credit-card-bills/).

Step 1: List your bills

Create a complete inventory including fixed expenses (rent, mortgage, car payments, phone), variable bills (utilities, credit cards), and annual or irregular charges (insurance premiums, subscription renewals).

Step 2: Choose your app and create your account

Download your chosen app and confirm Android and iPhone availability for all household members who need access.

Step 3: Connect accounts or add bills manually

Use secure connectors like Plaid or Finicity where available. Add due dates, typical amounts, and current autopay status for each bill.

Step 4: Turn on reminders and notifications

Enable push notifications, email alerts, or SMS reminders. Set appropriate lead times such as 7, 3, and 1 day before due dates.

Step 5: Create a shared bill calendar

Use built-in calendar features or sync to Google, Apple, or Outlook calendars. Color-code by person or bill category for easy visual scanning.

Step 6: Assign responsibilities and payment methods

Designate who pays each bill, set up backup payers, and confirm checking account or credit card sources for each payment.

Step 7: Test with next two bills

Validate that reminders work correctly, payments process successfully, and shared visibility functions as expected.

Set up your shared bill calendar in Cash Flow Calendar and invite your partner for seamless cloud-based syncing across Android, iPhone, and web platforms.

Sources:

• https://www.consumerfinance.gov/about-us/blog/preventing-late-fees-on-your-credit-card-bills/

Pro Tips: Align Bills to Your Paycheck Timing and Avoid Late Fees

Research shows that aligning payment schedules with income timing helps smooth cash flow and reduces stress from missed payments (https://onlinelibrary.wiley.com/doi/10.1111/joca.12322).

Map your pay cycle: Identify whether you receive weekly, biweekly, semi-monthly, or monthly paychecks and note the specific dates.

Align due dates with paydays: Contact billers to request due date changes that cluster payments shortly after paycheck deposits.

Build buffer strategies: Maintain a one-month buffer in your bill-paying account to absorb timing irregularities and unexpected expenses.

Handle variable bills: Use average billing for utilities or add cushion amounts to account for seasonal fluctuations.

Manage annual and semi-annual bills: Create monthly sinking funds for large irregular expenses. Add calendar reminders 30 to 60 days before due dates.

Use autopay wisely: Enable automatic payments for fixed bills like rent and phone. Keep large variable bills on manual payment with alert systems.

Avoid overdrafts: Set low-balance alerts on your checking account. Consider maintaining a separate "bills only" account for better cash flow control.

Use Cash Flow Calendar to visualize the relationship between paychecks and bills, spotting potential cash flow gaps before they create problems.

Sources:

• https://onlinelibrary.wiley.com/doi/10.1111/joca.12322

Privacy, Security, and Costs: What to Know Before You Connect

Data access and encryption: Most apps use open banking connections through Plaid, Finicity, or Yodlee. Understand whether access is read-only or includes transaction capabilities.

Permissions to review: Know what financial data gets pulled and who can see it in shared household accounts.

Fees and payment delivery: Consider app subscription costs plus any bill pay delivery fees or service charges. Compare card versus ACH payment costs.

Backups and exports: Ensure you can export data in CSV or PDF format. Check document storage capabilities for receipts and statements.

Connection hiccups: Understand re-authentication procedures and have fallback manual reminder systems ready.

The FDIC recommends reviewing privacy practices and aggregator details carefully before granting financial account access (https://www.fdic.gov/resources/consumers/consumer-news/2021-02.html).

Sources:

• https://www.fdic.gov/resources/consumers/consumer-news/2021-02.html

Alternatives If You Don't Want Another App

DIY shared bill calendar: Create recurring events in Google, Apple, or Outlook Calendar with shared access. Add links to biller portals and color-code by responsible person.

Bank bill pay: Set up payees through your bank's online platform, schedule recurring payments, and enable account alerts for due date reminders.

Spreadsheet template: Build a monthly bill tracker with due dates, amounts, and confirmation number columns for manual tracking.

These alternatives work because calendar reminders and bank bill pay services can effectively reduce missed payments and late fees (https://www.consumerfinance.gov/about-us/blog/preventing-late-fees-on-your-credit-card-bills/).

Sources:

• https://www.consumerfinance.gov/about-us/blog/preventing-late-fees-on-your-credit-card-bills/

Understanding Bill Organizers vs Payment Apps

Bill organizer apps fall into different categories based on their core functions. Some tools focus on tracking and reminding you about due dates, while others can actually initiate payments to billers. The Consumer Financial Protection Bureau distinguishes budgeting tools (for planning and tracking spending) from bill-pay services (for making payments and managing due dates) (https://www.consumerfinance.gov/about-us/blog/protecting-consumers-in-the-world-of-financial-data-sharing/).

Cross-platform compatibility becomes crucial when household members use different devices. The best bill organizer app for Android and iPhone provides seamless syncing so everyone sees the same information regardless of their device choice.

Shared bill calendar functionality varies significantly between apps. Some provide built-in collaborative calendars, while others export to external calendar systems. Consider your household's existing calendar habits when making this choice.

International availability remains limited for many U.S.-focused bill management apps. Users outside the United States should verify both app availability and bank connection support in their region.

Bill payment capabilities differ between tracking-only apps and full-service platforms. Apps with in-app payment typically charge fees per transaction or require premium subscriptions.

Subscription and fee management has become increasingly important as hidden recurring charges proliferate. Some apps specialize in finding and canceling unwanted subscriptions.

Data sharing permissions require careful consideration when connecting financial accounts. Review what information apps collect, how they store it, and who else can access it through shared household features.

Sources:

• https://www.consumerfinance.gov/about-us/blog/protecting-consumers-in-the-world-of-financial-data-sharing/

Conclusion and Call to Action

Choosing the right cross platform bill tracker depends on your household's specific needs. Prism works well for tracking and paying bills in one place, while Rocket Money excels at subscription control and bill reduction. For families, Honeydue offers simple shared coordination and Monarch Money provides comprehensive household management. Roommates benefit from Splitwise combined with shared calendar systems. YNAB suits those who want paycheck-aligned planning with detailed scheduled transactions.

The key is setting up a shared bill calendar and aligning due dates with your income schedule. This coordination helps avoid late fees and reduces the mental load of managing household finances.

Next steps:

• Download your top choice on both Android and iPhone devices
• Import or manually add your bills with accurate due dates
• Turn on reminders and notifications for all household members
• Create and share your bill calendar across devices

Households using digital financial services report more convenient and effective bill management compared to manual systems (https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-and-credit.htm). Start now to get your bills organized before the next due date cycle.

Try Cash Flow Calendar for couples and households: Our cloud-based, cross-device platform helps you coordinate bills together with shared calendars that sync seamlessly across Android, iPhone, and web. Set up your shared bill calendar today and keep everyone on the same page about due dates and payment responsibilities.

Sources:

• https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-and-credit.htm