Your buckets say what each bill needs. Your bank account has to actually have it on the day. When a bill or card payment is about to come out of an account that won’t have enough, Copper tells you two days ahead, while there’s still time to move money over.
Checking may come up short. Rent ($1,400) hits Checking Friday; it has $1,210.

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How Copper checks

Once a day, for each checking or savings account, Copper looks at the bills and card payments it pays in the next three days, in due-date order, and takes each one off the account’s available balance. If one would take it below zero, that bill gets a warning. Later bills from the same account are checked against what’s left after the earlier ones. This is about the money in your bank account, not your buckets. A heads-up is the other check: whether left-to-spend covers the bills before payday.

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Which account pays a bill

There’s nothing to set up. For bills you add with Find bills from your bank, Copper uses the account your bank saw them paid from. For the rest, it learns the account from the last payment filed in that bill’s bucket. A bill that hasn’t been paid yet isn’t checked until its first payment comes in.

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Where you see it

  • As a notification, once for each due date, to everyone on the budget. A private bill’s warning only goes to its owner.
  • Tapping it opens the bill.
To turn these off, go to Settings › Notifications and switch off Bills & Heads-Ups.