The account underneath the plan.
Rein is the account. Direct deposit in, spending out. Secured checking, savings goals, and money movement all draw on one deposit, sliced into the envelopes you budget with.
Your balance is held as a secured deposit at a partner bank — not invested or lent out. It doubles as your card limit.
Goals live inside the same deposit, so money you set aside still backs your card limit dollar for dollar. Lock one and the card can’t spend from it.
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 the close of each month every envelope does what you told it to: carry the leftover forward, return it to Unassigned, or sweep it into a goal — keeping a buffer behind if you want one. Every sweep is computed from a single snapshot taken before anything moves, so the preview you approve is exactly what happens.
Everyday banking, from a named envelope.
Card and ATM charges are decided before the money moves. An ACH debit has already settled by the time it reaches Rein, so instead of declining it, Rein draws it from the envelope you routed that payer to and flags anything it doesn't recognize.
Move money between envelopes, or fund a savings goal out of Unassigned.
Say how each deposit splits: a percentage here, a fixed amount there, fill these to target, the rest to Unassigned. It runs on arrival.
Hand one payer its own account number under the same routing number, route what arrives there into a specific envelope, and hold debits you don’t recognize.
Send from a named envelope. Rein won’t let a transfer out eat collateral already committed to card charges.
A debit settles as you spend. Unused funds can go back to your linked bank from a named envelope.
Give a teen a custodial account you fund and govern but can’t spend on, or share a joint pool with a partner.
One deposit. One set of envelopes.
Join early access for checking, sinking-fund goals, and a secured card that all draw on the same plan.