What is Envelope?

Envelope is an iOS and Android app that combines envelope budgeting with a built-in checking account and debit cards.

Envelope helps families organize money before it is spent. Create envelopes for bills, everyday spending, and savings goals; fund them manually or automatically; and assign each transaction to the right purpose.

The Envelope app displaying Rent and Utilities envelopes.

Many members use Envelope as their primary account by:

  • Sending paychecks through direct deposit

  • Scheduling funding for bills and goals

  • Paying with the physical card or optional per-envelope virtual cards

  • Reviewing spending and balance trends in Insights

  • Keeping longer-term money in Protected Savings

You can download Envelope from the App Store or Google Play and use demo mode to explore the budgeting tools before opening an account.

Envelope is a financial technology company, not a bank. Banking services are provided by Pacific West Bank, Member FDIC. See the current Envelope disclosures for complete terms.

Unlock your financial future.

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.

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.

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.