Backstory: Debt is rising and additional fees and can make matters worse. A simple notification when your balance reaches a threshold would help eliminate this problem.

The Idea: An app to notify you when you are going to overdraft.

Deep Dive: This could start out as a simple webapp that send a text message when a user hits a predefined limit on their checking or debit account.

As this gains traction, you can build a mobile app that will give more insights to spending habits to help prevent late fees or poor decisions.

Validation: There are lot of debt/savings apps popping up recently.

Monetization: You could charge a small fee to use the service. The longer play here is when you build more features into monitoring spending habits you can charge a small monthly fee.

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