User guide

Getting started

How Envelope Works

How to open an account

How to switch banks: Envelope migration toolkit

Joint accounts

Move money

Ways to deposit money

Account limits

Direct deposit

Mobile check deposit

Connect Envelope to payment apps

Wire transfers

How to make ach transfers faster

Envelopes

Envelope funding

Protected Savings

Insights

Transactions

Assigning a transaction

Cards

Physical cards

Virtual cards

Add your Envelope card to Apple Pay

Card security, lost cards, and disputes

Auto-lock

About

What is Envelope?

Who are the founders of Envelope?

Suggest and vote on features

Appendix

Routing number

User guide

Getting started

How Envelope Works

How to open an account

How to switch banks: Envelope migration toolkit

Joint accounts

Move money

Ways to deposit money

Account limits

Direct deposit

Mobile check deposit

Connect Envelope to payment apps

Wire transfers

How to make ach transfers faster

Envelopes

Envelope funding

Protected Savings

Insights

Transactions

Assigning a transaction

Cards

Physical cards

Virtual cards

Add your Envelope card to Apple Pay

Card security, lost cards, and disputes

Auto-lock

About

What is Envelope?

Who are the founders of Envelope?

Suggest and vote on features

Appendix

Routing number

Routing number

Envelope accounts use the 123207049 routing number, which is a routing number provided by Pacific West Bank.

The validity of this routing number can be confirmed on The Federal Reserve's website, as well as Pacific West Bank's website.

A bank-verification letter is available in the Documents section of the Account tab. If a payroll provider needs a direct-deposit form, see Set up and troubleshoot direct deposit.


Confirm with the Federal Reserve

Confirm with Pacific West Bank

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User Guide

©2026 Envelope

Envelope is a fintech company, not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payroll provider. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

*Annual Percentage Yield (APY) of 3.07% is effective as of 12/11/25. This is a variable rate and is subject to change after the account is opened based on the Federal Funds Rate. Fees could affect earnings on the account.

Unlock your financial future.

App Store

Play Store

Home

Features

Roadmap

Discord

Reddit

User Guide

©2026 Envelope

Envelope is a fintech company, not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payroll provider. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

*Annual Percentage Yield (APY) of 3.07% is effective as of 12/11/25. This is a variable rate and is subject to change after the account is opened based on the Federal Funds Rate. Fees could affect earnings on the account.

Unlock your financial future.

App Store

Play Store

Home

Features

Roadmap

Discord

Reddit

User Guide

©2026 Envelope

Envelope is a fintech company, not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payroll provider. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

*Annual Percentage Yield (APY) of 3.07% is effective as of 12/11/25. This is a variable rate and is subject to change after the account is opened based on the Federal Funds Rate. Fees could affect earnings on the account.