You may have noticed that while your Envel account has a single 9-digit routing number, each envelope has a unique account number, which are different from your main Envel account number.

Our recommendation is to deposit to your main account, and pay all bills and expenses from the appropriate envelope.

Your Main Account:

  • Can be found on your Home Page by clicking by selecting Share Account Details

  • Can only receive money, not send money

  • Do not link this account to any bills or expenses; use an Envelope (details below)

  • If you send funds to this account, such as by setting up direct deposit:

Autopilot On

Autopilot off/Manual

All incoming funds will be instantly distributed between envelopes to optimize your finances

All funds go directly to your Cash envelope

Your main account will not hold funds in most cases

Your main account will not hold funds

The exception is when your deposits suddenly exceed your recommended daily spending limit (such as if you get a year-end bonus). In this case, they will be distributed to your cash as necessary (is this correct?)

Your Envelopes:

  • Can be found on your Envelope Screen. Find the account number of each Envelope by clicking on the Envelope, and then clicking on the name of the Envelope again.

  • Can both send and receive money

  • You can instantly transfer between any envelopes and goals by clicking on the Transfer button on the Envelopes screen

  • Use Envel's CardLink feature to swipe and link to different envelopes. More information here:

More detail on how to find these different account numbers here:

As always, let us know if anything needs further clarification!

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