Done-For-You Social Media for Med Spas in 2026: 4 Options Compared (Real Cost + Booking Math)

Most med spa owners shopping for done-for-you social media compare the headline retainer, sign with a generalist agency that posts twice a week, and three months later wonder why bookings haven't moved while their competitor across town just hit 8,000 followers and a full Botox calendar. The mistake isn't the agency — it's the assumption that 8–12 posts a month on Instagram is "doing social media" in a category where Instagram is functionally the entire booking funnel, before/after content is the highest-converting format on the platform, and the clinic with the freshest, most-recent, most-trust-building content owns the local cosmetic search.

TL;DR: Done-for-you social media for med spas costs anywhere from $800/month for a freelancer to $7,500/month for an in-house manager, but ROI is decided by volume, before/after pipeline, and HIPAA-clean workflow — not headline price. Generalist agencies ship 20–30 posts/month at $1,500–$3,500 fully loaded. Med-spa-specialist agencies ship 30–60 posts/month at $2,500–$6,000. An in-house social hire costs $6,000–$10,500/month all-in. Prestyj's DFY social for med spas ships 1,000–1,500 posts/month at $1,497–$2,997 flat — roughly $1–$3 per post vs the $50–$200 per post every other option costs. One additional injectables package at $1,800 pays for ~3 weeks of any DFY plan; one full membership at $3,600/year pays for ~14 months.

Key Takeaways

• Med spa is a high-margin, high-frequency category — average Botox session $320–$680, average filler syringe $650–$1,100, average laser package $1,800–$4,500, average annual membership $2,400–$4,800
• Instagram drives 70–85% of med spa bookings — there is no other channel where the platform-mix is this concentrated
• The algorithmic threshold for med spa is roughly 30 posts/week (why 30 posts isn't enough) — most generalist agencies ship 2% of that
• Cost per booked-consult lead via DFY social at scale lands $12–$45 vs $70–$240 on Meta paid ads in the same market
• Repeat rates are everything — a med spa client who books once and returns 4x/year is worth $2,400–$8,800/year in repeat treatments. Social keeps them in your feed between visits.
• HIPAA and before/after consent are hard constraints — most generalist agencies have neither a BAA nor a consent workflow
• The hidden cost of low volume is missed treatment-window content — Botox repeat cycles, filler refresh windows, and laser package upsells all require timed content that 30-posts/month agencies cannot deliver

---

DFY Social for Med Spas: 4 Options Side-by-Side

Here's what med spa operators actually pay across the four options. All numbers fully loaded.

Cost Category	In-House Social Hire	Generalist Social Agency	Med-Spa-Specialist Agency	Prestyj DFY Social
Headline price	$4,500–$7,500/mo (salary)	$1,500–$3,500/mo	$2,500–$6,000/mo	$1,497–$2,997/mo flat
Setup / onboarding	$5,000–$15,000 hire/ramp	$1,500–$5,000 one-time	$2,500–$8,000 one-time	$0 included
Posts per month	60–120	20–30	30–60	1,000–1,500
Platforms included	2–4	1 (others +$300–$800)	2–3	4–6 included
Reels / short-form	Their time	+$400–$1,500/mo	+$500–$1,500/mo	Included
Treatment-day turnaround	Same day (if available)	5–10 days	2–5 days	Same day (24h SLA)
Strategy depth	High (one brain on staff)	Generic / template-driven	Med-spa-specific playbook	Med-spa playbook + AI swarm
HIPAA compliance / BAA	Clinic's responsibility	Often missing	Usually covered	Built into compliance layer + BAA
Revisions	Unlimited	1–2 rounds, then $50–$150 each	1–2 rounds	Unlimited
Reporting	Build internally	+$50–$200/mo or PDF only	Quarterly review	Real-time dashboard
Contract length	At-will employment	6–12 mo with 30–90 day exit	6–12 mo	Month-to-month
Real fully-loaded cost	$6,000–$10,500/mo	$3,200–$7,800/mo	$4,000–$8,500/mo	$1,497–$2,997/mo
Cost per post	$60–$175	$110–$260	$80–$235	$1–$3

The cost-per-post column decides this for most med spa owners. Once the swarm clears the algorithmic threshold, every additional post at $1–$3 each does the work of an entire weekly batch from a generalist agency.

---

Why Social Media Matters Specifically for Med Spas

Med spa is the single most Instagram-dependent vertical in service businesses. Where roofers can lean on Facebook recommendation threads and mortgage brokers on LinkedIn, med spas live or die by Instagram. The booking funnel is: see Reel → check before/afters → click DM or "Book Now" → consult → treatment. Skipping the Instagram step is structurally how new med spa clients arrive in 2026.

The category numbers that move the math:

• Average Botox session: $320–$680 (varies by units, market)
• Average filler syringe: $650–$1,100 (premium markets $1,400+)
• Average laser/RF package: $1,800–$4,500
• Average membership program (monthly/annual): $179–$399/month or $2,400–$4,800/year
• Average annual client value (repeat client): $2,400–$8,800
• Instagram's share of new-client acquisition: ~70–85% for cosmetic med spas
• % of consumers who check Instagram before booking a med spa: ~84%
• % of consumers who specifically look for before/afters: ~76%
• % of med spas currently posting fewer than 30 times/month: ~82%
• Average Botox repeat cycle: 12–16 weeks (3–4x/year)
• Average filler refresh cycle: 6–12 months

That repeat-cycle math is what makes med spa LTV so unusually high — and it's why social content that stays in the client's feed between visits is the difference between a client returning to you vs the new clinic that opened down the block.

What "done for you" should actually include for a med spa

A DFY agency that cannot do all of the following is selling brand presence, not bookings:

1. Treatment-day content within 24 hours of Botox, filler, laser, or RF/microneedling sessions (with consent + BAA)
2. Before/after content — the highest-converting format in med spa, every week of the year
3. Injector on-camera content — technique Reels, "what I'd tell my own sister" retells, treatment-explanation clips
4. Treatment-cycle reminder content — Botox at week 12, filler at month 8 — timed to when clients should rebook
5. Membership program promotion — recurring revenue is the unsung hero of med spa economics and most agencies ignore it
6. Product-line content — when you carry SkinMedica, ZO, Alastin, etc., these are high-margin retail upsells
7. HIPAA-clean workflow — BAA with the agency, consent forms for every before/after, no PHI in metadata
8. Multi-platform distribution — Instagram is the booking funnel, TikTok captures the under-30 cosmetic demo, Facebook still drives the 40+ demo, GBP for local-intent search

A generalist agency at $1,500–$3,500/month typically delivers items 2 and 6. A med spa specialist hits 5–6. The Prestyj engine ships all 8 every week.

---

Content Pillars That Work for Med Spas (with Post Examples)

The med spa accounts that compound run 6–8 clear pillars across every platform, every week.

Pillar 1 — Before/After Treatments (the workhorse)

• Format: 9:16 Reel — before clip → reveal → after, 15–25 seconds; carousel of multiple angles
• Hook examples: "20 units of Botox + a single syringe of filler. 14-day reveal.", "What 4 sessions of Morpheus8 looks like on real skin (not a stock photo)"
• Cadence: 4–6 per week
• Why it works: Cosmetic decisions are visual decisions. No copy beats a satisfying before/after. Always with signed consent + BAA workflow.

Pillar 2 — Injector On-Camera (the trust compounder)

• Format: Walk-and-talk Reels, technique breakdowns, "why I do it this way" retells
• Hook examples: "The line I use when a client asks for the wrong amount", "Why I refused to inject this patient", "What 8 years of injecting has taught me about lip filler"
• Cadence: 3–5 per week
• Why it works: Cosmetic clients hire injectors, not clinics. Face on camera is the trust signal.

Pillar 3 — Treatment-Cycle Reminders (the repeat-revenue pillar)

• Format: Educational Reels and carousels timed to repeat cycles
• Hook examples: "If your Botox is at week 10, here's what's happening", "Why month 8 is when your filler starts looking different"
• Cadence: 2–3 per week
• Why it works: Existing clients are the highest-margin revenue in med spa. Cycle-reminder content drives rebookings.

Pillar 4 — Membership & Package Content (the LTV multiplier)

• Format: Membership-benefit Reels, package-comparison carousels, member-spotlight Reels
• Cadence: 2–3 per week
• Why it works: Memberships are the recurring revenue engine most med spas under-promote. Members are worth 3–6x non-members in annual revenue.

Pillar 5 — Product Line & Retail (the margin upsell)

• Format: Product Reels, skincare routine carousels, ingredient explainers
• Cadence: 2 per week
• Why it works: Retail products (SkinMedica, ZO, Alastin) carry 50–70% gross margins and most clinics under-promote them.

Pillar 6 — Behind-the-Scenes & Team (the legitimacy layer)

• Format: Treatment-day Reels (anonymized), team-meeting captures, room tours
• Cadence: 3–4 per week
• Why it works: Differentiates you from the strip-mall injector with no real clinic.

Pillar 7 — Client Testimonials & Reviews

• Format: Patient-consent video testimonials, review-screenshot Reels, membership-anniversary check-ins
• Cadence: 1–2 per week
• Why it works: Social proof is the bridge between "saw your content" and "DM'd to book."

Pillar 8 — Education & Myth-Busting

• Format: Carousels, voice-over Reels, FAQ-style explainers
• Hook examples: "5 things TikTok lies to you about Botox", "Why your filler isn't lasting (it's not the product)"
• Cadence: 2–3 per week
• Why it works: Educational content gets saved and shared. Saves and shares signal the algorithm to push reach.

Eight pillars at the cadences above ships 80–140 posts/week — the Prestyj content engine baseline.

---

Cost-Per-Post and Cost-Per-Impression Math

Cost per post

Option	Monthly cost (loaded)	Posts / mo	Cost per post
In-house social hire	$6,000–$10,500	60–120	$60–$175
Generalist agency	$3,200–$7,800	20–30	$110–$260
Med-spa-specialist agency	$4,000–$8,500	30–60	$80–$235
Prestyj DFY social	$1,497–$2,997	1,000–1,500	$1–$3

Cost per booked consult

A med spa account running 200+ posts/week typically lands organic CPMs in the $0.30–$1.30 range after 60–90 days of warm-up. Compare:

Channel	CPM	Cost per click	Cost per booked consult
Meta paid ads (med spa)	$10–$38	$1.40–$5.80	$70–$240
Google Search (med spa)	$55–$210 CPC range	$12–$70	$95–$320
Influencer / UGC partnerships	varies	varies	$80–$380
Organic social at volume	$0.30–$1.30	$0.04–$0.22	$12–$45

A med spa that reallocates a $3,500/month Meta budget into DFY social media at high cadence typically sees cost-per-booked-consult drop 60–80% within 90 days — and consult-to-treatment conversion improves because clients arrive warm.

---

ROI: What This Means in Med Spa Dollars

Lead-to-revenue per channel (representative single-location med spa, $4,800 avg annual client value)

Channel	Cost / mo	Booked consults / mo	Cost per consult	Treat %	New clients / yr	Annual revenue contribution
Meta paid ads	$3,500	24	$146	32%	92	$441,600
Google Search	$2,800	16	$175	38%	73	$350,400
Generalist DFY social	$2,500	6	$417	48%	35	$168,000
Med-spa-specialist agency	$5,000	18	$278	52%	112	$537,600
Prestyj DFY social	$2,497	50–95	$26–$50	58%	350–660	$1,680,000–$3,168,000

Three things in that table:

1. Lead volume from high-cadence social compounds. Months 1–2 are below paid-ad volume. By month 3–5 the cadence has produced enough before/after content + injector-on-camera that DM bookings start arriving inbound.
2. Consult-to-treatment rates on social-sourced leads run 50–60% vs 30–40% on paid-ads-only leads because clients have watched 20+ pieces of your content and arrive at the consult already deciding to treat.
3. Membership and repeat-cycle compounding — social-warm clients convert to membership at higher rates, and repeat-cycle reminder content lifts annual treatment frequency from 2.8x to 4.2x for the average Botox client.

Membership math (the unsung hero)

Metric	Without high-cadence social	With Prestyj DFY social
Membership conversion of new clients	8–15%	22–34%
Avg annual membership value	$3,200	$3,600
Member retention (12 mo)	58%	74%
Annual recurring revenue from membership	varies	+$280K–$680K

The membership lift alone usually pays for the DFY plan 10x over — and it's the part most med spa owners don't model when comparing agencies.

---

How Each Option Actually Performs for Med Spas

Option 1 — In-House Social Hire

Real cost: $6,000–$10,500/month fully loaded.

Strengths: Owns brand voice. Can sit in the injector's room and capture treatment-day content live.

Weaknesses: Caps at 60–120 quality posts/month. HIPAA training is on you. Turnover risk.

Best for: Multi-location med spas doing $2M+/year who can pair the hire with an external content engine.

Option 2 — Generalist Social Media Agency

Real cost: $3,200–$7,800/month fully loaded.

Strengths: Templated baseline.

Weaknesses: Doesn't sign a BAA. Doesn't have a before/after consent workflow. Uses the same templates as their chiropractor and gym clients. Cannot atomize a Tuesday Morpheus8 session into Wednesday content. Ships 2% of the algorithmic threshold.

Best for: Med spas who want logo presence with no measurable booking impact.

Option 3 — Med-Spa-Specialist Social Media Agency

Real cost: $4,000–$8,500/month fully loaded.

Strengths: Understands injectables, signs a BAA, has consent workflow for before/afters. Right answer for a med spa transitioning off a generalist.

Weaknesses: Capped at 30–60 posts/month at $80–$235/post — the highest cost-per-post in our comparison. Most are Instagram-only and miss TikTok where the under-30 cosmetic-curious audience lives.

Best for: Med spas that won't capture weekly content and want competent baseline med-spa-specific content.

Option 4 — Prestyj DFY Social (Med Spa Configuration)

Real cost: $1,497–$2,997/month flat, month-to-month.

Strengths: Content engine ships 1,000–1,500 posts/month across 7 platforms from one weekly pillar shoot. Med-spa-specific playbook covers all 8 pillars. Same-day treatment-day turnaround. BAA-covered workflow. HIPAA compliance built into the variation layer. Real-time dashboard.

Weaknesses: Requires the owner/lead injector to sit for one 60–90 minute pillar capture per week. Per-post approval is not part of the model.

Best for: Solo and multi-location med spas doing $500K–$15M+/year who measure booked consults and membership conversions, not impressions.

See the full DFY social offer →

---

Hidden Costs Med Spas Specifically Get Burned By

These come up in every med spa's first 90 days with a generalist agency:

1. HIPAA / BAA fees — $200–$500/month for consent and BAA workflow, when it should be standard
2. Before/after editing surcharges — $50–$150 each for transformations, the highest-converting format
3. Treatment-day rush fees — $150–$500 per "rushed" Reel when you ask them to react to a same-day treatment
4. Influencer collaboration management — $500–$1,500/month for managing UGC creators (often unnecessary)
5. Membership campaign upcharges — $300–$800 for dedicated membership-promotion campaigns
6. GBP management as a separate $200–$500/month line item
7. Year-one contract auto-renewals — typical 12-month with 60–90 day cancellation windows

The Prestyj DFY plan rolls all 7 into the flat monthly. See the full hidden-cost breakdown.

---

What Generalist Agencies Don't Tell Med Spa Owners

If you've sat through a sales call from a generalist social agency pitching med spa, you've heard a version of these five claims. Here's what they leave out.

Claim 1: "We work with aesthetic clients."

What they leave out: "Aesthetic" often means salons and gyms. They've heard of HIPAA. They have not signed a BAA, do not have a before/after consent workflow specific to medical aesthetics, and do not know that injectable content has FDA promotional considerations — product mentions, off-label use, and indication-specific claims all sit in a regulated zone. You're the medical director on the hook.

Claim 2: "Instagram-first is our specialty."

What they leave out: "Instagram-first" usually means "Instagram-only." TikTok is now the fastest-growing surface for first-time injectables clients (22–32 demo). Skipping TikTok in 2026 is leaving 30–40% of new-client acquisition on the table.

Claim 3: "We do before/afters."

What they leave out: Before/afters require signed, written patient consent specific to social media distribution — including, in some states, separate consent for face vs body content. Most generalist agencies post before/afters without verifying the consent paperwork matches what's required in your state. You're the licensed medical practice.

Claim 4: "We'll handle your membership campaign."

What they leave out: Membership campaigns sit in a regulated zone for medical aesthetics in some states — corporate-practice-of-medicine rules limit who can financially structure prepaid medical services. Generalist agencies don't know these rules. The compliance burden lands on the medical director.

Claim 5: "We'll grow your following."

What they leave out: Med spa follower count without local-targeted reach is theater. Booked consults per breakout post is the metric. A med spa with 4,000 followers and 25 consult requests/month is winning; the med spa with 40,000 followers from a viral non-local Reel and 6 consult requests/month is losing.

---

Common Mistakes Med Spa Owners Make With DFY Social

Mistake 1: Hiring an agency without a BAA + state-specific consent workflow

If your agency cannot produce a signed BAA, explain their HIPAA workflow, show you the state-specific consent forms for before/after distribution, and tell you which content needs medical-director review, find another agency.

Mistake 2: Treating Instagram as the entire strategy

Instagram is 70–85% of new-client acquisition, but the missing 15–30% sits in TikTok (under-30 cosmetic-curious) and Facebook (40+ filler and laser refresh demo). Skipping either is leaving real bookings on the table.

Mistake 3: Skipping the injector-on-camera pillar

The biggest miss in med spa social is brand-only stacks. Cosmetic clients hire injectors, not clinics. Brand-only stacks compound 30–50% slower and never produce the trust signal that converts saved Reels into booked consults.

Mistake 4: Posting only treatment-day reveals

Reveals are the workhorse, but they alone don't build the LTV multiplier. The trust-and-education pillars (injector-on-camera, technique breakdowns, myth-busting) are what convert one-time clients into membership and what differentiates you from the strip-mall injector competing on price.

Mistake 5: Ignoring the membership pillar

Memberships are the recurring revenue engine of med spa economics — typically 3–6x the annual value of non-member clients. Most agencies post a single membership announcement per quarter and call it done. Membership-promotion content should run weekly, in multiple formats.

---

DFY Social TCO: Year-1 Cost Comparison

Let's run the 12-month math at representative med spa volume.

Scenario: Single-location med spa, $1–$3M/yr revenue, 1–2 injectors

Option 1: Generalist Agency

Cost Category	Year 1 Cost
Base retainer ($2,500 × 12)	$30,000
Setup / onboarding	$3,500
HIPAA / BAA workflow	$3,600
Before/after editing surcharges	$3,600
Reels tier upgrade	$7,200
Year 1 total	$47,900
Posts shipped	~320
Cost per post	$150

Option 2: Med-Spa-Specialist Agency

Cost Category	Year 1 Cost
Base retainer ($5,000 × 12)	$60,000
Setup / onboarding	$6,000
Influencer/UGC management	$9,600
Membership campaign upcharges	$3,000
Year 1 total	$78,600
Posts shipped	~600
Cost per post	$131

Option 3: Prestyj DFY Social

Cost Category	Year 1 Cost
Flat monthly ($2,497 × 12)	$29,964
Setup	$0
HIPAA / BAA workflow	$0
Before/after editing	$0
Reels	$0
Year 1 total	$29,964
Posts shipped	~15,000
Cost per post	$2.00

The cheapest option ships 47x more posts than the generalist and 25x more than the med spa specialist. At $4,800 avg annual client value, 6–7 incremental new clients/year cover the entire plan — and a single Morpheus8 package, body-contouring series, or annual membership conversion in the same period multiplies the ROI by 3–8x.

---

When Each Option Is Actually the Right Call

Pick an in-house hire if: You're a multi-location med spa doing $2M+/year and can pair the hire with an external atomization engine.

Pick a generalist agency if: You only need a logo and don't measure bookings. (Not recommended — HIPAA risk too high.)

Pick a med-spa-specialist agency if: You won't sit for a weekly capture, you want HIPAA-clean med spa content, and you're comfortable with 30–60 posts/month at $80–$235 each.

Pick Prestyj DFY social if: You're a solo or multi-location med spa doing $500K–$15M+/year, you'll sit for one weekly pillar capture, and you measure booked consults, treatment-day shows, and membership conversions.

---

Frequently Asked Questions

What is the best social media agency for med spas?

For 30 posts/month of branded presence, a med-spa-specialist agency at $4,000–$8,500/month all-in is the safe pick — but it's also the highest cost-per-post in this category. For booking generation and membership compounding at scale — 1,000+ posts/month, same-day treatment-day turnaround, HIPAA-clean workflow, multi-platform fan-out — Prestyj DFY social at $1,497–$2,997/month flat is the only model where the cost-per-post math ($1–$3 per post) makes high-volume affordable. Generalist agencies are the worst pick because most don't sign a BAA or handle before/after consent correctly.

How much does social media management cost for a med spa in 2026?

Fully loaded: $3,200–$7,800/month for a generalist agency, $4,000–$8,500/month for a med-spa specialist, $6,000–$10,500/month for an in-house hire, $1,497–$2,997/month flat for Prestyj DFY social. Med-spa specialists charge more than other vertical specialists because of the BAA/consent workflow and before/after editing volume. Always ask for fully-loaded TCO before signing.

Should a med spa outsource social media?

Yes, almost always. The labor-cost math doesn't work for an in-house hire below ~$2M/year, and the volume math doesn't work for any agency shipping fewer than 50 posts/week. Outsource to a med-spa specialist if you won't capture weekly content; outsource to a high-volume DFY engine like Prestyj if you will. The HIPAA argument especially favors outsourcing to an agency with built-in compliance workflow.

How many posts per month does a med spa actually need?

The algorithmic threshold is roughly 30 posts/week across the account stack (~120/month minimum). For consistent booked-consult flow and membership conversion, 200–400 posts/week. Most generalist agencies ship 20–30 posts/month — about 2% of the volume required. See why 30 posts isn't enough.

What's the ROI of social media for med spas vs paid ads?

Organic social at scale produces med spa booked consults at $12–$45 each vs $70–$240 on Meta paid ads and $95–$320 on Google Search. Consult-to-treatment runs 48–58% on social-sourced leads vs 30–40% on paid-only leads. The compounding factor everyone misses is membership conversion — social-warm new clients convert to membership at 22–34% vs 8–15% for paid-only clients, which is the entire 2-year ROI difference.

How is HIPAA compliance handled in DFY social media for med spas?

The Prestyj DFY workflow includes a signed BAA, no PHI in metadata, signed consent forms for every before/after asset, and HIPAA checks built into the variation layer (Pipeline 6 in the content engine). Generalist agencies typically do not sign BAAs. Verify a BAA is in place before any patient-identifying content gets posted.

What platforms matter most for med spas in 2026?

Instagram drives 70–85% of new med spa client acquisition — there's no other vertical where the platform mix is this concentrated. TikTok captures the 22–32 cosmetic-curious demo and is the fastest-growing surface for first-time injectables clients. Facebook still drives the 40+ demo for filler refresh and laser packages. Google Business Profile drives local-intent search.

Do injectors need to be on camera?

Yes, almost always. Med spa is a relationship business — clients are picking who's putting a needle in their face. Brand-only stacks work but compound 30–50% slower. The injector-on-camera pillar is what builds the trust that converts saved posts into booked consults.

Can DFY social media replace Botox/filler paid ads?

Not month 1. By month 6–9, yes for most med spas. Social-warm consult leads at $25–$50 with 55% treatment conversion produce more revenue per dollar than $150 paid leads at 32% conversion. Most med spas transition off Meta paid lead-gen ads within 9–12 months of running a high-volume social engine — though many continue running retargeting and membership-promotion paid campaigns alongside organic.

What about med spa franchises and multi-location chains?

Multi-location chains have an account-stack problem — each location needs its own organic presence + the corporate brand. The high-volume DFY model is the only one that scales economically across that stack because marginal cost per post is dominated by infrastructure, not labor. A med-spa specialist would charge $4,000–$8,500/month per location. The Prestyj engine runs all locations at one flat plan tier per stack.

---

Related Reading

• How We Ship 50+ Posts a Day Across 7 Platforms — The content engine, behind the scenes.
• Hidden Costs of Done-For-You Social Media (2026) — Every line item generalist agencies leave off the proposal.
• Why 30 Posts a Month Isn't Enough in 2026 — The algorithmic threshold math.
• AI Voice Agent Pricing for Med Spas — Inbound booking capture for med spas.
• HIPAA-Compliant AI Receptionist — Compliance workflow patterns.
• Best-For: Salons and Spas — Prestyj playbook for med spas.
• Best-For: Social Content for Med Spas — Social-specific playbook.
• Best-For: Video Ads for Med Spas — The paid-creative side of the stack.
• AI Content Department — The AI agent for social media: pricing tiers, volume model, and the fully managed offering all on one page.
• Pricing — All plans, flat monthly, no hidden fees.

---

Ready to see what 1,000+ posts/month looks like running on your med spa brand? Book a demo — live in 24 hours from account access, month-to-month, no setup fees.