Rated 4.9/5
Be better
with money
A checking account with budgeting built-in, so your money stays organized and managing your finances feels effortless.
Trusted by
+
individuals worldwide
©2025 Envelope Money
Envelope is a fintech company, not a bank.
Banking services provided by Pacific West Bank, Member FDIC.
Deposit insurance covers the failure of an insured bank.
TechCrunch Favorite
Startups 2023
Over 2,000
5 star reviews
Y Combinator
Selection 2023
Envelope is a checking account with budgeting built-in, so your money stays organized and managing your finances feels effortless.
Full-service banking meets effortless budgeting.
no syncing,
no spreadsheets,
just clarity.
Budgeting
Budgeting
Organize your account
into envelopes
Organize
your account
into envelopes
🏠 Mortgage
🏠 Mortgage
🥕 Groceries
🥕 Groceries
🍿 Entertainment
🍿 Entertainment
⚡️ Utilities
⚡️ Utilities
🍼 Daycare
🍼 Daycare
💻 New computer
💻 New computer
☂️ Rainy day
☂️ Rainy day
Powerful features
Everything works together to make money management effortless, transparent, and firmly in your control.
Create envelopes
Keep your finances organized with simple or advanced envelopes that flex to match how you budget and spend.
Organize your spend
Assign your card and ACH transactions to envelopes
Visualize your expenses
Visual charts help you understand where your money goes and how it changes over time.
Move money between envelopes
Envelope balances are updated in real time
Spend with intention
Select an envelope before you swipe so every purchase aligns with your budget.
Powerful features
Everything works together to make money management effortless, transparent, and firmly in your control.
Create envelopes
Keep your finances organized with simple or advanced envelopes that flex to match how you budget and spend.
Organize your spend
Assign your card and ACH transactions to envelopes
Visualize your expenses
Visual charts help you understand where your money goes and how it changes over time.
Automation.
Security.
Control.
Everything works together to make money management effortless, transparent, and firmly in your control.
Create envelopes
Keep your finances organized with simple or advanced envelopes that flex to match how you budget and spend.
Organize your spend
Assign your card and ACH transactions to envelopes
Visualize your expenses
Visual charts help you understand where your money goes and how it changes over time.
Individual or Joint accounts
Get started with individual or joint accounts and share the budgeting journey.
Community driven
Join our Discord for budgeting tips, general support, and to shape the future of Envelope.
Robinhood & Apple Card
Engineered by former Robinhood and Apple Card team members that care about finances.
Useful insights
Useful insights
Track and control
your spending
Track and control
your spending
Optionally, add a virtual card or an ACH account number to any envelope, proving a way to directly spend only the funds in that envelope; Perfect for fixed payments like rent, mortgage, or Netflix.
Optionally, add a virtual card or an ACH account number to any envelope, proving a way to directly spend only the funds in that envelope; Perfect for fixed payments like rent, mortgage, or Netflix.
Features
Everything you need to replace
your checking account
Engineered by former Robinhood and Apple Card team members
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
High APY Savings
Grow your savings faster with a competitive interest rate.*
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Fee-free ATMs & Deposits
Withdraw cash or deposit nationwide without paying ATM fees at qualifying AllPoint+ ATMs.*
Checkbooks
Order checks for the moments when paper payments are still required from participating vendors.
Mobile Check Deposit
Snap a photo to deposit checks from anywhere—no branch visit required.*
Incoming & Outgoing Wires
Send or receive domestic wires directly through your account for fast, reliable transfers.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
Features
Everything you need to replace your checking account
Engineered by former Robinhood and Apple Card team members
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
High APY Savings
Grow your savings faster with a competitive interest rate.*
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Fee-free ATMs & Deposits
Withdraw cash or deposit nationwide without paying ATM fees at qualifying AllPoint+ ATMs.*
Checkbooks
Order checks for the moments when paper payments are still required from participating vendors.
Mobile Check Deposit
Snap a photo to deposit checks from anywhere—no branch visit required.*
Incoming & Outgoing Wires
Send or receive domestic wires directly through your account for fast, reliable transfers.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
Features
Everything you need to replace
your checking account
Engineered by former Robinhood and Apple Card team members passionate about personal finance.
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
High APY Savings
Grow your savings faster with a competitive interest rate.*
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Fee-free ATMs & Deposits
Withdraw or deposit without paying ATM fees at qualifying AllPoint+ ATMs.
Checkbooks
Order checks for the moments when paper payments are still required from participating vendors.
Mobile Check Deposit
Snap a photo to deposit checks from anywhere—no branch visit required.*
Incoming & Outgoing Wires
Send or receive domestic wires directly through your account for reliable transfers.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
"Every corner of the app just feels like it cares about your family’s financial wellbeing."
Garry Tan, Y Cobinator
"I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right."
W.S., App Store
"I have used every modern bank & neobank, and nothing beats Envelope."
Z Vinman, App Store
"A budgeting app has no business going this hard."
R.B., App Store
"Pretty slick"
TechCrunch
"Can confirm I very much love Envelope after trying like half a dozen other options."
R.B., App Store
"Eliminates all the hassle."
A.C., App Store
"Every corner of the app just feels like it cares about your family’s financial wellbeing."
Garry Tan, Y Cobinator
"I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right."
W.S., App Store
"I have used every modern bank & neobank, and nothing beats Envelope."
Z Vinman, App Store
"A budgeting app has no business going this hard."
R.B., App Store
"Pretty slick"
TechCrunch
"Can confirm I very much love Envelope after trying like half a dozen other options."
R.B., App Store
"Eliminates all the hassle."
A.C., App Store
"Every corner of the app just feels like it cares about your family’s financial wellbeing."
Garry Tan, Y Cobinator
"I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right."
W.S., App Store
"I have used every modern bank & neobank, and nothing beats Envelope."
Z Vinman, App Store
"A budgeting app has no business going this hard."
R.B., App Store
"Pretty slick"
TechCrunch
"Can confirm I very much love Envelope after trying like half a dozen other options."
R.B., App Store
"Eliminates all the hassle."
A.C., App Store
Frequent questions
What is Envelope? How is it different than Chime, CoPilot, Monarch Money?
How will Envelope stay in business? How do you make money?
Why isn't Envelope free? Can I earn my membership fee back?
How do I add my card to Apple Pay or Android Wallet?
How do I create an Envelope account?
Can I try Envelope before I subscribe?
Will Envelope make me rich?
Frequent questions
What is Envelope? How is it different than Chime, CoPilot, Monarch Money?
How will Envelope stay in business? How do you make money?
Why isn't Envelope free? Can I earn my membership fee back?
How do I add my card to Apple Pay or Android Wallet?
How do I create an Envelope account?
Can I try Envelope before I subscribe?
Will Envelope make me rich?
Frequent questions
What is Envelope? How is it different than Chime, CoPilot, Monarch Money?
How will Envelope stay in business? How do you make money?
Why isn't Envelope free? Can I earn my membership fee back?
How do I add my card to Apple Pay or Android Wallet?
How do I create an Envelope account?
Can I try Envelope before I subscribe?
Will Envelope make me rich?
Monthly or yearly options
$10/mo
A complete banking solution with no annual commitment.
$40/yr
Fee waived when you spend $5,000/yr. with your Envelope card.
A complete banking solution
Individual or joint accounts
Unlimited envelopes
Virtual & physical card
Envelope virtual cards
Envelope ACH account numbers
Spending insights
Free ATM network
Mobile check deposit
Monthly or yearly options
$10/mo
A complete banking solution with no annual commitment.
$40/yr
Fee waived when you spend $5,000/yr. with your Envelope card.
A complete banking solution
Individual or joint accounts
Unlimited envelopes
Virtual & physical card
Envelope virtual cards
Envelope ACH account numbers
Spending insights
Free ATM network
Mobile check deposit
Monthly or yearly options
$10/mo
A complete banking solution with no annual commitment.
$40/yr
Fee waived when you spend $5,000/yr. with your Envelope card.
A complete banking solution
Individual or joint accounts
Unlimited envelopes
Virtual & physical card
Envelope virtual cards
Envelope ACH account numbers
Spending insights
Free ATM network
Mobile check deposit