Not OP, but Chase can email and send push notifications for any purchase if you set the threshold to $0.

I can't believe I never thought of this one. If real-time enough, that sounds like a very useful feature for accounting purposes. You could turn the email into a phone push notification asking you to classify the transaction as business or personal, for example.

That said, does it take negative numbers? Or how would it handle refunds/returns?

> If real-time enough

From my experience it seems to be very real-time. They call them "Rapid alerts"

> Or how would it handle refunds/returns?

It doesn't notify you of refunds as far as I know. So you won't be able to track your exact account balance just based on these emails. It's good enough for knowing what's going on IMO.

Having now set it up on a few of my credit cards, I can say that speed (and alert types) vary bank-by-bank. One bank sends me notifications for every transaction, another is like Chase but requires $1+ transactions, not $0. A third is delayed in showing any transactions online (or by email) by two days on a regular basis, making its alerts somewhat less useful.

Wells Fargo. You can get an email for purchases above a certain amount with a minimum of $1

I know with capital one you can set up alerts to send on a purchase value of $X. If you set X sufficiently low you'll hit nearly every purchase.

I would imagine other banks have similar functions.

TD Canada Trust has a similar feature, but with Android notifications if you have the 'TD MySpend' application.