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Paying bills sucks. It sucks even more for about a third of Americans living paycheck to paycheck, and struggling to pay bills on time. About 100 million Americans are at risk of paying overdraft fees if they auto-pay their bills, and are forced to manually log into and pay up to 10 biller accounts each month. Why are so many people wasting their time and energy manually paying bills to avoid overdraft fees? Because they are not using Gerald! Gerald is on a mission to eliminate stress about paying bills. Gerald provides consumers with overdraft and late fees protection for their household bills. We are transforming bill payments by providing consumers with a browser extension and an application for linking and automatically paying biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.