Everything you need to take control of your finances, automate the boring stuff, and actually stick to your budget.
Everything you expect from a modern bank account, plus smart features that actually help you save.
Just like any traditional bank, your money is protected up to $250,000 through our partner bank.
Share an account with your partner and manage finances together with full transparency.
High-yield savings envelopes that earn interest while keeping your money safe and accessible.
Connect your existing bank accounts to easily transfer money in and out via Plaid integration.
Get paid up to 2 days early with direct deposit, automatically allocated to your cubbies.
Receive incoming checks and wire transfers directly into your Cubby account.
Zero-based budgeting made simple. Every dollar has a purpose, every cubby has a goal.
Create unlimited cubbies for every spending category (rent, groceries, entertainment, savings goals, and more).
Set it once, forget it forever. Cubby automatically allocates your paycheck exactly how you want it.
Smart bill scheduling that automatically sets aside money so you're always covered.
Add all your recurring bills with amounts and due dates. See them on a visual calendar with reminders so nothing sneaks up on you.
Cubby calculates exactly how much to set aside each day or week so every bill is funded on time, even variable ones like utilities.
Physical and virtual cards with all the features you'd expect from a modern bank.
Visa debit cards you can use anywhere, plus instant virtual cards for online shopping.
Add to Apple Pay, Google Pay, and Samsung Pay for tap-to-pay anywhere.
Lock/unlock instantly from the app, customize your PIN, and enable 3D Secure verification.
Tap to copy card numbers, see real-time balances, and track every transaction.
Whether you're neurodivergent or just want banking that makes sense, we've got you covered.
Push notifications for every transaction. Real-time balances. Instant updates, no waiting.
Face ID, Touch ID, or PIN login with 2FA protection. Fast and secure.
Clear merchant names, location maps, and categorization so you always know where your money went.
Contact support via text or email whenever you need help. Real humans, real help.
Generate account statements in-app whenever you need them for taxes, loans, or records.
Custom app icons, personalized cubbies, and a clean interface that works the way you think.
We're just getting started. Here's what we're building for beyond.
Secured credit cards and credit-check-free options to help you build credit history.
Small, short-term loans to help you between paychecks when life gets expensive.
Split large purchases into manageable payments without the high interest.
Overdraft protection so unexpected charges don't wreck your budget.
Multiple users with custom permissions, shared cubbies, and expense splitting.
Earn rewards on everyday purchases and watch your savings grow faster.
Join the waitlist to be first in line when Cubby launches in 2026.
Get Early Access