A real account underneath the plan.
Rein isn't a tracker bolted onto your bank — it is the account. Secured checking, savings that earns, and money movement, all drawn from one plan so the budget and the balance can never disagree.
Your balance is held as a secured deposit at a partner bank — not invested or lent out. It doubles as your card limit.
A real APY, with goals you can deliberately lock so you can’t undo your own good habits.
Individual, joint, and custodial ledgers — mine, ours, and theirs — separate underneath, one plan on top.
Leftovers become savings, automatically.
What you don't spend doesn't evaporate. At month-end, Rein sweeps each envelope's leftover where you told it to go — into a vacation fund, an emergency buffer, or next month's plan. Small underspending, swept up month after month, is how you quietly get ahead.
Everyday banking, minus the friction.
Fund envelopes, pay the card early, deposit a check, or open a new account — the ordinary things a bank should make effortless.
Move money between envelopes or fund a savings goal from your ready-to-assign balance.
Snap a photo to deposit; funds land in checking and are ready to assign to envelopes.
Give a teen a custodial account with automatic allowance, or share a joint pool with a partner.
One account. One plan. No drift.
Join early access for checking, savings, and a credit-building card that all speak the same budget.