Your personal finance AI on WhatsApp, meet Earny
Earny chats with you like a friend, learns your goals, and pings you the moment a better account, rate, or bonus shows up.
In your WhatsAppPrivate & secureFree forever24/7 for youScans the finance worldLearns your goalsReplies in secondsKnows 120+ banksLive rate alertsIn your WhatsAppPrivate & secureFree foreverGo deeper on your money
Interactive tools, deep guides, and data-driven insights to help you make smarter financial decisions.
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Explore the dataJul26Bank Winners in
Independently ranked, FDIC-insured.
- Variable annual percentage yield: 3.10% as of 5/19/261
- Monthly fees: $0
- Limited-Time Offer: +0.70% Boost on Savings APY to up to 4.00%2 for up to 6 months on new accounts. Terms apply.
- Earn $50 or $4003 when you sign up and set up a eligible direct deposit
- $0.00 Monthly Fees4
- Earn up to 3.75% APY1 on balances over $5,000
- No monthly service fees
Why people love chatting with Earny
Personalized matches
Our bot learns your goals — saving, spending, business — and surfaces accounts that actually fit.
Answers in seconds
No forms, no waiting. Chat naturally and get rate comparisons, bonuses, and pros/cons instantly.
Private & secure
We never share your number. Conversation happens inside WhatsApp's end-to-end encrypted chat.
Meet Earny, your PickYourBank finance AI — warm, human, and always ready on WhatsApp.
From hello to smarter money — in three messages.
No forms. No app downloads. Just a conversation that turns into real account picks.
- 1≈ 30 seconds
Say hi on WhatsApp
Tap once, share your number, and start chatting. No app, no signup, no passwords.
- 2Conversational
Tell me your goals
Talk like you would to a friend — earning more, switching banks, killing fees. It listens and learns.
- 3Updated live
Get personalized picks
Receive hand-matched accounts, bonuses, and rate alerts — refreshed every time the market moves.
Questions about Earny
Earny is your personal finance AI from PickYourBank, living inside WhatsApp and Telegram. Earny learns your goals through a short chat — earning more on savings, finding a better bank account, or building credit — then sends only the accounts and offers that actually fit you. No app to download, no forms. If you have WhatsApp or Telegram, you can start talking to Earny right now.
Comparison sites show you every option and leave the decision to you. Earny asks what you're actually trying to do first — your goals, timeline, and situation — then filters down to only what's relevant for you. Earny also watches the market for you and messages you directly when something changes, like a rate drop or a new bonus. No comparison table does that.
Yes, Earny is completely free. No subscription, no premium tier, no hidden charges. PickYourBank is funded by referral fees from banks when you choose to open an account — so Earny's recommendations are based on what fits your goals, not who pays more.
Yes. You can chat with Earny on either platform — whichever you prefer. Both are end-to-end encrypted, and neither requires a separate app if you already use them. Just tap the button, share your number, and Earny takes it from there.
Earny never asks for your bank account number, password, Social Security number, or any sensitive credentials. The only things you share are your goals, rough savings amount, and timeline — the same things you'd tell a trusted friend who happens to know every bank account in the country. WhatsApp and Telegram both use end-to-end encryption to protect your messages in transit.
Earny is trained on 120+ US banks and savings products, including major national banks, online-only banks, credit unions, and high-yield savings providers. Rates are updated in real time, so you're always seeing what's current — not last week's numbers.
Yes. Every account Earny surfaces is at an FDIC-insured bank or NCUA-insured credit union, meaning your deposits are federally protected up to $250,000 per depositor, per institution. That's a baseline requirement, not an optional filter.
Yes. Credit-building is one of the goals you can tell Earny about when you start. Earny can point you toward secured credit cards, credit-builder accounts, and strategies that fit your current score — explained in plain English, not financial jargon.
Tap the "Start on WhatsApp" or "Start on Telegram" button on this page, share your phone number, and Earny will message you. No signup, no registration, no passwords. The whole thing takes under a minute.