Switching to an Envelope account is simple when you take it step by step. Use this checklist to move your money, direct deposit, bills, and everyday spending over to Envelope.

Step 1: Open your Envelope account

Download the Envelope app and complete the online application. You’ll be asked to provide personal information such as your name, address, and Social Security number.

Step 2: Link Envelope to your current bank

Next, connect your Envelope account to your current bank so you can move money over.

If your current bank supports Plaid Exchange, you may be able to search for Envelope in your current bank’s app and link the accounts instantly.

If your bank does not support Plaid, you can connect your Envelope account manually using your Envelope account and routing number. Once the accounts are linked, you can initiate your first transfer to add funds to Envelope.

You can also wire funds into your Envelope account.

Step 3: Move your direct deposit

Reach out to your employer’s HR or payroll department to update your direct deposit information.

Be sure to ask when the change will take effect. This helps you plan around upcoming bills, transfers, and expenses while your paycheck is moving over.

Step 4: Update your mortgage or rent payment

After updating your direct deposit, update your largest recurring expense: housing.

Log in to your mortgage or rent payment portal and update the payment method to your Envelope account and routing number, or your Envelope card if card payments are supported.

Step 5: Update recurring payments

Download last month’s statement from your current bank. This is one of the easiest ways to find recurring monthly expenses that need to be moved over.

Common recurring payments include:

• Utility bills

• Car payments

• Insurance

• Subscriptions

• Phone bills

• Internet bills

• Memberships

Go through the list and update each payment to use your Envelope card or Envelope account information.

Step 6: Add your Envelope card to Apple Pay

Add your Envelope card to Apple Pay and consider setting it as your default card.

Apple Pay is used across many apps and websites, including food, grocery, shopping, and transportation apps, so this is a small update that can make everyday spending much easier.

Step 7: Link Envelope to payment apps

If you use Venmo, PayPal, Cash App, or other payment apps, update those accounts with your Envelope card or account information.

You can also check out our guide for linking Envelope to third-party payment providers.

Step 8: Enjoy your Envelope account

Once everything is switched over, you can start using Envelope as your primary account.

Set up your budget, fund your envelopes, use your Envelope card, and start automating your financial goals with a clearer view of where your money is going.

Need help?

Our team is here to help you through the transition. Contact support if you have questions about linking accounts, moving direct deposit, updating payments, or getting started with Envelope.