In the world of personal financial applications, if you?re not using a Web-based application, then the desktop is king. Whether you?re using the age-old (and aging) Quicken, or one of the many other applications that have attempted to fill gaps left by Quicken, you?ve usually been anchored to a desktop application. With the recent release of iBank for iPad, a desktop app may no longer be a necessity.
The problem with most iOS-based financial apps is that they can?t really stand alone. They either aggregate Web-based information, offering few options for editing or manually entering that data, or they work as display tools for information you?re tracking via a desktop app. iBank for iPad used to be that type of application, requiring iBank for the Mac to be truly useful, but that?s no longer the case. While iBank for Mac is a great addition to iBank for iPad, iBank for iPad can now handle all your budgeting, banking, and investment needs on its own.
iBank for iPad uses ?Books? as a metaphor for collections of accounts. When you open the app, you are given the option of either creating a Book that syncs with the iBank for Mac app or creating a stand-alone Book. With a stand-alone Book, you can opt to enter all of your transactions by hand or you can download all your financial data via the subscription-based Direct Access. It?s this last option that makes iBank for iPad shine. Direct Access, a feature developed by IGG Software, allows iBank to automatically connect to and download transactions from all of your financial-service companies.
To my surprise and pleasure, iBank?s Direct Access service is not limited to a selection of well-known banks, which has been the case with every other service of that type that I?ve tried. Not only can you connect to and download transactions from such banks as Wells Fargo and Chase, but you can also connect to obscure banks such as the teacher?s credit union my wife belongs to.
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