Envelope

Envelope is a fintech banking app with built-in budgeting, designed to replace multiple financial tools with a single integrated checking account. It features a digital envelope system that allows users to allocate funds into unlimited categories for automated expense tracking without external syncing. Key capabilities include joint accounts for shared family finances, mobile check deposit, and auto-lock controls to manage spending intentionally. Targeted at individuals and families seeking a primary banking solution that simplifies financial management, it eliminates the need for spreadsheets or separate budgeting apps. The service costs $10 per month or $40 annually, with the annual fee waived for users who spend over $5,000 per year on their debit card.