TUCKChecking with envelopes inside
FDIC insured · Lakeshore Federal Bank

Week of Oct 18 · Columbus, OH

Left for groceries this week$84.12

Tuck is a checking account with envelopes inside. Payday fills them on its own, and the debit card only spends from the envelope that matches the store.

$6 a monthFirst month freeNo overdraft fees
See payday split

TUCK DEBIT •••• •••• •••• 4417 D. ALVAREZ 0.76 MM
Cut open: this week's envelopes

Tap the card at

0.12 mmThe chip

The chip picks the envelope.

Every card payment carries the store's category. Tuck reads it at the terminal, before the approval comes back, and pays from the envelope that matches. Tap a contact to see its rule.

1 2 3 4 5 6

    Buying school supplies at the grocery store? Pick a different envelope in the app before you pay, and that one purchase comes from there.

    0.38 mmThe envelopes

    When one runs dry, the card says no.

    A bank lets the noodles go through and charges you $35 for it. Tuck stops at the register, tells you what is left, and lets you move money between envelopes in two taps.

    A regular checking account

    HIGH ST NOODLE BAR
    10/21/26 7:58 PM
    TOTAL$23.50
    APPROVED•4417
    BALANCE AFTER-$11.10
    OVERDRAFT FEE$35.00
    $58.50

    Tuck

    HIGH ST NOODLE BAR
    10/21/26 7:58 PM
    TOTAL$23.50
    NOT APPROVED•4417
    EATING OUT HAS$12.40
    MOVE FROM FUN$11.10
    TRY AGAINAPPROVED
    $0 FEE

    Receipts from members

    4.8 in the App Store · 2,140 ratings · 61,000 members in all 50 states

    SATURDAY FARM STAND
    DAYTON, OH · 10/17/26
    TOTAL$18.00
    PAID FROMGROCERIES
    LEFT THIS WEEK$9.40

    We used to find out on the 28th. Now I find out at the register, while I can still put the steak back.

    RENEE T. · MEMBER SINCE MAR
    QUIKFILL #12
    TEMPE, AZ · 10/19/26
    TOTAL$52.10
    PAID FROMGAS
    LEFT THIS WEEK$7.90

    Two cards, one set of envelopes. We stopped having the Sunday money talk.

    MARCUS & JO L. · JOINT ACCOUNT
    CORNER HARDWARE
    RALEIGH, NC · 10/12/26
    TOTAL$64.99
    PAID FROMHOUSE
    LEFT THIS MONTH$35.01

    Paid off $6,200 of card debt since January. No spreadsheet. The envelopes did the arguing for me.

    PRIYA S. · MEMBER SINCE JAN
    BEAN THERE COFFEE
    COLUMBUS, OH · 10/20/26
    TOTAL$6.75
    NOT APPROVEDFUN $2.10

    The declined latte was the best thing that happened to my budget.

    DEV K. · MEMBER SINCE JUL
    0.60 mmPayday

    Payday settles into layers.

    Point your direct deposit at Tuck once. Every paycheck fills the envelopes in your order: bills first, food next, the rest to rainy day. Drag the paycheck.

    Direct depositFri 10/23
    $2,340.00
    0.76 mmThe bank

    Underneath, a real checking account.

    Statement · Oct 2026 · D. Alvarez
    DateDescriptionEnvelopeAmount
    10/09DIRECT DEP MERIDIAN HEALTHSplit+2,340.00
    10/11RENT HALF · ACHRent-725.00
    10/14QUIKFILL #88Gas-38.20
    10/17FRESHWAY MARKET #214Groceries-112.46
    10/21FRESHWAY MARKET #214Groceries-41.88
    10/21HIGH ST NOODLE BARDeclined0.00
    10/31TUCK MEMBERSHIPBills-6.00

    FDIC insuredUp to $250,000 through Lakeshore Federal Bank, Member FDIC.

    Paid up to 2 days earlyDirect deposit lands when your employer sends it.

    Joint accountsTwo cards, one set of envelopes, one feed.

    Free ATMs55,000 in the network. Cash comes from the envelope you pick.

    $6

    a month, one line on your statement

    • First month free.
    • No overdraft fees. The card declines instead.
    • No minimum balance, no foreign transaction fees.
    • Cancel in the app. Your money goes back to one account.