Autonomy

Machine Learning (ML), Rules, Calibrations, AI based Autopilot

Rules and calibrations based.

Bill Pay

Dedicated Bills Bank Account with ACH Auto debit, Machine Learning base Bills sorter. Ability to add Itemized Bills

ACH transfers

Budgeting

Automated split into 4 Envelopes (Cash, Bills, Emergency, Vault) - Calibration upon onboarding. Machine Learning thereafter.

Pockets: auto-savings, spending pockets, goals created in savings pocket. Set-up is required.

Debit Card

Contactless Visa® Debit card

Contactless Mastercard Debit Card

Direct deposit

Yes - to a special Paycheck account

Yes

Emergency

Emergency Envelope - Automated no set-up

Save pocket - set-up required and manual transfers.

Envelopes System

Coming soon: 1 primary bank account (Cash Envelope) with all other Autonomous Envelopes as subaccount. Manual Envelopes and Goals have separate routing numbers.

Unlimited number of pockets (can name each uniquely). All are FDIC insured with own Account or Routing number.

External Account Linking

Yes, via Plaid or ACH Pull.

Yes via ACH Pull or Plaid.

Fees

No monthly fees, no minimum.

No monthly fees, no minimum.

Label transactions

Coming soon!

No

Fraud protection

Daily or Weekly Spending Limit (if on), Lock/Unlock/Replace Card

Lock/Unlock card

Goals

Automated goals funded daily

Save pockets - requires manual funding. Also automatic option

Instant Funds Transfer to Platform Friends

Yes to Envel customers (Send and Request)

Yes, to One customers

Instant Purchase Push Notifications

Yes

Yes

Joint Accounts

Shared Envelopes - You can share to anyone whether partner, family or friends instantaneously

Shared pockets between unlimited number of people.

Language options

Yes (Off, Funny, Crude)

No

Link Card to Any Envelope

Linked to Cash Envelope by default, instantaneously switch to other Envelopes or Goals with one swipe

Yes

Manage Debit Card in App

Yes (Lock/Unlock/Replace Card)

Yes

Savings Accounts

Coming soon

Yes

Mobile App

Yes

Yes

Mobile Check Deposit

No (we're planning this feature)

In the works

Mobile Wallet

Apple Pay, Google Pay, Samsung Pay

Apple pay, Google Wallet

Savings

Vault - payday split + daily Spending limit remainder

Round up & Pay check auto-save (self-determined %)

Spending Guidance

Daily/Weekly Guilt Free Spending Limit

No

Themes

Dark / Light / Mode, 7 Colors. Estimated 3rd week of May: Extra Dark Mode

None

Transaction Location

Yes (if switched on)

No

Web-based

No*

Yes

Loans

Not yet

No

ATM locator

No (working on it)

No