1. When you create an account with us, we create a bank account for you behind the scenes.
2. We send you a Visa debit card that is controlled through the app.
3. Connect an external account and deposit funds into your ProActive account from that account.
4. Distribute your funds into your categories.
5. Tap a category to spend.
6. Money is instantly transferred from that category onto your card.
(If you didn't tap "Spend" on a category and swiped your card, it would decline, forcing you to look at your budget and decide where the money comes from.)
7. Swipe your card to spend from the active category.
8. The remainder makes its way back into your category and the card returns to a zero balance.