Beyond Banking

The first Checking Account that Optimizes your Paycheck

Qube is a financial technology company, not a bank. Deposits are held by Choice Financial Group, Member FDIC. The Qube Money card is issued by Choice Financial Group, pursuant to the license from Visa.

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Everything you need. All in one place.

FDIC insured

Your money is safe with Qube—funds are held with our FDIC-insured partner bank and protected up to $250,000 per depositor.

Pay bills

Use virtual card or account numbers to pay bills with peace of mind, keeping the rest of your money safe from unauthorized charges.

Subscription controls

Never pay for unwanted subscriptions again. Easy monitoring. Pause subscription payments in-app.

ATM fee reimbursement

With Qube Premium and Family, access cash without worrying about charges. Reimbursements limits apply. ¹

Family accounts

Real bank accounts for kids—with direct deposit, a debit card, and automated allowance. Get real-time notifications and help them build mindful money habits early.

Joint accounts

Manage money together. Achieve your goals.

Get paid early

Set up direct deposit and get your paycheck up to 2 days early!

No fees

No overdraft. No minimum balance. No foreign transaction fees. ²

Sorted, Smart, Safe.

Sort your Paycheck

Effortlessly, direct your paycheck into qubes for your bills, spending, and goals.

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Spend with Intention

In-the-moment guidance so you never accidently spend you rent at the grocery store.

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Safeguard your Money

Our patented firewall debit card protects you from fraud and overdrafts.

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Tap to Spend

Start growing in half the time with an all-in-onewebsite builder - no more long hours spent on the boring stuff!

Hear from our community of Qubers.

reviews
(1,600)
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krakens_gambit
June 23
Absolutely Brilliant
Qube is the modern solution to the (Dave Ramsey) cash envelope problem. My wife and I were using the legacy envelope cash system to get our finances together. It worked but we ran into a lot of issues with it due to modern times. Some businesses didn’t take cash anymore and Amazon orders were becoming a headache. Don’t get me wrong, we still believe in and use the Dave Ramsey Baby Steps, but we needed to change the envelope system. Thankfully we found Qube. The user interface is great. It’s easy to use and now we can automate our money and spend intentionally. Qube streamlined the way we handle money and now we work together to achieve our family financial goals. PROS: The idea alone is 10/10. Customer service is great. CONS: Although there are good size limits for standard transfers, the instant deposit limit of $25 is a bit low I think.
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ReamusLQ
June 18
Saved more $$$ in a year than the previous 10!
There is no system of budgeting better than what Qube Money offers. We’ve saved more money in a single year without really trying, than we have the previous 10 years, just because we are intentional about our spending and always have eyes on where our money is going.
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FAQs.

Qube is a digital cash envelope system that stops mindless spending before it starts. Unlike traditional budgeting tools that track spending after it happens, Qube makes you choose a category before every purchase—helping you stay intentional in the moment.

Qubes are digital spending categories (like envelopes). You move money into them ahead of time—groceries, eating out, etc.—and must open the right qube before you spend. If no qube is open, the card won’t work

Yes. Your money is stored with an FDIC-insured banking partner and protected with bank-level encryption and security protocols.

Yes! Qube is built for individuals, couples, and families. You can share qubes, automate allowances, and get real-time spending updates across accounts.

Yes. You can add your Qube card to Apple Pay and Google Pay for secure tap-to-pay functionality.

Qube offers simple pricing based on your needs. You can view plan details and what’s included on our plans page.

Because most apps track your spending. Qube actually changes it—helping you build better habits by interrupting the mindless spending cycle before it begins.

Join the thousands of customers optimizing their paycheck with Qube.

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Spend with purpose. Save with clarity. Live in control.