Squirrel won't negatively impact your credit score. For many people who end up paying off debt and budgeting better, their scores significantly improve!
Squirrel shouldn't impact your free banking either, as all your money still goes into your bank account, it is just spread across the month. This only won't be true if you set aside so much that you dip below the amount required for a free account. This rarely happens to our customers.
If you're planning on applying for a mortgage, Squirrel will provide evidence of good budgeting and issue a statement you can show your bank or mortgage broker.