4.7 / 5
Be better
with money
A budgeting app with a built-in checking account, so your money stays organized and managing your finances feels effortless.
Full-service banking meets effortless budgeting.
No syncing.
No spreadsheets.
Just clarity.
Individual or joint accounts
Share the budgeting journey with joint or individual accounts.
Envelope lets you choose between an individual account for managing your own money or a joint account for budgeting with a partner. With a joint account, both partners share the same transaction feed, see what is actually available to spend, and use their own debit cards from one organized household budget. It is a clearer way to manage money together, stay aligned, and avoid overspending.
First time budgeting
Take control of your finances with the power of envelope budgeting.
Envelope makes budgeting easier by helping you organize your money before you spend it. Instead of tracking expenses after the fact, you can divide your real balance into digital envelopes for bills, groceries, savings, fun, and everyday spending. This gives first-time budgeters a clear view of what money is available, what is already set aside, and where each dollar should go. It is a simple way to start budgeting, build better habits, and feel more confident managing your money.
Financial power user
Powerful envelope options for optimal control, insight, and clarity.
Envelope gives experienced budgeters more control over how money is organized, protected, and spent. You can create detailed envelopes for specific goals, bills, categories, subscriptions, or sinking funds, then use envelope-level spending controls to keep your budget aligned in real time. Instead of relying only on reports or spending history, Envelope helps you manage cash flow before purchases happen. It is a powerful budgeting system for people who want more precision, clearer money decisions, and stronger control over every dollar.
Features
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
Envelope makes eligible paychecks available as soon as we receive the direct deposit information from your employer’s payroll provider. That means you may be able to budget, save, and spend sooner instead of waiting for your scheduled payday.
High APY Savings
Grow your savings faster with a competitive interest rate.*
Your savings can earn interest while staying separate from everyday spending. With Envelope, you can keep money protected for goals, emergencies, or future expenses without losing the clarity of an envelope-based budget.
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Use your physical Envelope debit card for everyday purchases, and create virtual cards for online subscriptions, bills, or specific spending categories. Virtual cards help you organize payments, reduce card exposure online, and keep spending connected to your budget.
Fee-free ATMs & Deposits
Withdraw cash or deposit nationwide without paying ATM fees at qualifying AllPoint+ ATMs.*
Envelope gives you nationwide access to qualifying Allpoint+ ATMs for cash withdrawals and deposits. It is a simple way to access your money while keeping your checking, savings, and envelope budget in one place.
Checkbooks
Order checks when paper payments are still required from participating vendors.
Some landlords, vendors, schools, and service providers still ask for paper checks. Envelope gives you modern budgeting and banking tools while still supporting traditional check payments when you need them.
Mobile Check Deposit
Deposit checks with your camera on iOS. (Coming soon to Android)
Use mobile check deposit to add money to your Envelope account.
Incoming & Outgoing Wires
Send or receive domestic wires directly through your account for fast, reliable transfers.
Domestic wires give you a fast, reliable way to move money for larger or time-sensitive transfers. Envelope supports incoming and outgoing wires so you can manage important payments from the same account you use to budget and spend.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
Envelope is not a bank. Banking services are provided by Pacific West Bank, Member FDIC, which means eligible funds in your account are insured up to applicable FDIC limits.