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finder.com’s rating: 3.4 / 5.0
★★★★★
Qube Money, formerly known as ProActive Budget, partnered with Choice Financial to offer a real-time cash envelope budgeting and banking app. Unlike other budgeting apps, this one has an integrated bank account and default zero security. But you can only sign up for its Basic and Premium accounts right now. You’ll have the option to upgrade your account to the family plan once it’s released.$0 per month
Fee
N/A
APY
$0
Minimum deposit to open
APY | N/A |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
ATMs | Use any ATM and Qube will reimburse the ATM fees up to $10 per month |
ATM transaction fee | $0 |
Review by
Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.
Of all the digital bank and budgeting combo accounts we’ve seen, this one stands apart from the competition for its use of the envelope system and built-in debit card. The debit card deducts money from each category the second you make a purchase. It also gives you the freedom of using its integrated account or linking your external bank account.
On the downside, you’ll pay if you want to use it with a family member. Paid subscriptions range from $8 to $15 monthly. And while it has some cool budgeting features in the works, upgrading now means you might end up paying for tools you can’t use yet.
Plan | Cost | Best for | Features |
---|---|---|---|
Free | $0 | Individuals |
|
Premium |
| Couples |
|
Family |
| Families | Everything in Premium, plus:
|
Follow these steps to sign up for Qube Money‘s Basic or Premium accounts:
Anyone who meets these requirements can open a Qube Money account:
Have the following information on hand when you open your Qube Money account:
Start by funding your Qube Money account or linking your external bank account. The Qube Money routing number is 091302966. You can find your account number in your app profile.
Then split your funds into different categories — or Qubes. You can create Qubes for groceries, mortgage, shopping, utilities, travel and more.
Once you’re ready to make a purchase:
Unlike other debit cards, the Qube card has a default balance of $0, which means there’s zero risk or liability if your card is lost or stolen. The only way you can use the card is if you “activate” a Qube in the app first.
Before joining Qube Money, consider these disadvantages:
New to budgeting? Get the rundown on how to use a budget in our budgeting guide for beginners.
Details about Qube Money‘s funding options are still being worked out, but here are some of the ways to access funds in your account:
Qube Money doesn’t have a phone number to call, but you can get in touch with customer service by:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Qube Money is not currently available on Finder
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