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Parental controls allow parents to monitor and set spending levels. The Family plan provides for each authorized user (kid or teen) to have their own separate account number and debit card. A total of five authorized user bank accounts for kids under 18.Qube’s Family plan includes all of the features of the Premium plan. Separate account numbers allow more security as they minimize the number of entities that have your main Qube account number. Plus, unlimited Qubes is a nice perk. Then you’ll use your individual account number to set up auto-pay or one-time bill payments. This is nice as it allows you to create separate bill Qubes for each bill or bill category.įor instance, you can create a separate Qube for utilities or for individual utility bills. The Premium account also includes virtual account numbers for bill Qubes. Joint account option with partner notifications on spending.It also offers the following additional features: Qube’s Premium plan includes everything the Basic plan includes.

The peer-to-peer transfer technology allows you to transfer money to another Qube user if need be. This technology helps ensure you don’t spend money beyond what you budgeted and helps to combat potential fraud.

Virtual debit card number for bill Qubesĭefault Zero Technology means that your individual Qubes are always set at a zero balance until you transfer money from Choice Financial to spend.Īt that time, the money is put into a Qube to cover the purchase.

The Basic plan, and all other plans, include some helpful features. With Qube you need to give every dollar a job, so there’s no room for unplanned spending.Ĭost: $0 per month (one-time $5 setup fee) You assign the money you deposit into your custom-created Qubes. Once your money is in your Qube account, you can deposit it into a number of separate “Qubes.”įor instance, you can create individual Qubes for:Īnd more. You can also set up Direct Deposit from your employer into Qube as opposed to your regular bank account.īonus: You can get paid up to two days early when you have Direct Deposit into Qube.Īll Qube funds are FDIC insured through Choice Financial Group. After you open an account with Qube Money, you deposit money from your main bank account into your Qube account. The Qube Money app was created to make budgeting convenient by combining a successful financial system with today’s digital world. Traditional cash envelopes don’t work for everyone, even if you are using one of the best cash envelope wallets.Ĭarrying cash can be cumbersome and risky. He also knew that our world was heading toward an ever-evolving digital society.

Qube Money was launched by Ryan Clark and Shane Walker in an effort to help people budget successfully.Ī personal finance coach, Ryan knew that the cash envelope budgeting method worked.