Arro Insights

What Arro Insights does

How to set it up

1. Open the Arro app and choose to connect a bank account.
2. Sign in to your bank through Plaid. Arro says it never sees or stores your banking login.
3. View your cashflow. Arro then uses the same data when it looks at Arro Card eligibility.

How Insights connects to the Arro Card

Arro approves card applicants from bank account activity instead of a credit score. Insights is the same bank link put to a second use: you get a budgeting view, and Arro gets an ongoing read of your deposits and balance.

Two things follow from that:

• Linking does not guarantee a card. Arro says the data helps it understand eligibility, nothing more.
• For Credit Builder members, connecting a primary bank account to Insights is one of the listed steps toward the card. See Arro Credit Builder.

Should you link your bank?

It is a trade. You get a free, automatic view of your money, and Arro gets read access to your transactions for as long as the link stays active. If you want the Arro Card, you will be linking a bank account anyway, because the requirements depend on it. If you only want a budgeting tool, compare it with what your own bank's app already shows.

You can remove a Plaid connection later from the app or from Plaid's own portal.

Getting the most from it

• Link the account your pay goes into, so the picture is complete.
• Check the weekly breakdown before your Arro statement closes at month end.
• Use the trend view to find a regular bill you could move onto the card and pay off, which builds history without extra spending.