Customer Guide

Use this guide when you are setting up Envelopd for the first time or helping someone understand the whole app.

1

Create your account

Sign in, finish identity setup when prompted, and land on your dashboard.

2

Create envelopes

Add the spending categories you want to control, such as groceries, gas, dining, and kids.

3

Connect your bank

Use Funding or Banking to link a bank account before moving money into envelopes.

4

Create cards and Top Up

Create the category card, add money to the envelope, then spend from that specific card.

1. Create or access your account

1. Open Envelopd.
2. Choose Sign up if you are new, or Sign in if you already have an account.
3. Follow any email, password, or recovery prompts.
4. When you land on the dashboard, look for the next setup step shown by the app.

If Envelopd asks you to finish identity setup, complete that before trying to create cards. Cards and money movement require a verified banking profile.

2. Create envelopes

1. Go to Envelopes.
2. Choose New Envelope or the add button.
3. Name the category, such as Groceries, Gas, Dining, Kids, Pets, Travel, or Entertainment.
4. Set the monthly budget or spending target.
5. Choose an icon/color if shown.
6. Save the envelope.
7. Repeat until your main spending categories exist.

Good starter set: Groceries, Gas, Dining, Household, Fun, Kids, Pets, and Travel. The wallet may still show 0 active cards right after this step. That is expected: envelopes exist first, then cards are created for those envelopes.

3. Connect a bank

1. Go to Funding or Banking.
2. Choose Connect Bank Account.
3. Follow the Plaid flow.
4. During sandbox testing, search for First Platypus Bank and choose the standard bank result.
5. If Plaid asks for a phone number, choose Continue without phone number.
6. Pick the checking account you want to use for envelope funding.
7. Wait for Envelopd to show the connected bank in Funding Sources.

If Plaid does not open, check whether identity setup is still required in Banking.

4. Create category cards

1. Go to Envelopes.
2. Open an envelope.
3. If the app says setup is not finished, follow the button it gives you: finish identity setup or connect a bank.
4. Choose Create Card.
5. Wait for the card to show as active.
6. Repeat for each envelope you want to spend from.

Each personal envelope can have one card. Shared family envelopes can have member-specific cards.

5. Add money with Top Up

1. Choose Top Up from the dashboard, navigation, Funding, or an envelope.
2. Select the envelope you want to fund.
3. Pick a preset amount or enter a custom amount.
4. Select the connected bank account.
5. Confirm the transfer.
6. Watch the envelope balance and transfer history for status.

Top Up is for one envelope at a time. Funding settings are for bank sources, transfer history, schedules, and automation.

6. Use cards for spending

Use the card that matches the purchase category:

• Groceries purchase: use the Groceries card.
• Gas purchase: use the Gas card.
• Dining purchase: use the Dining card.

When the envelope is empty, spending from that card should stop until you top it up.

7. Review activity

• Use Transactions to inspect card activity, merchants, dates, status, and category history.
• Open an envelope to see activity tied to that envelope.
• Use Insights after transactions exist to understand spending health and patterns.

8. Manage cards

From an envelope or card detail view, you can usually:

• Reveal card details when allowed.
• Freeze a card temporarily.
• Unfreeze a card when you are ready to spend again.
• Review recent transactions.
• Cancel or replace a card if the option is available.
• Request a physical card if your account supports it.

9. Use family features

1. Go to Family.
2. Upgrade or create a family account if prompted.
3. Invite members by email.
4. Create shared envelopes for household categories.
5. Decide which envelopes are personal and which are shared.
6. Issue cards to approved members.
7. Review Family Activity to see household spending.

Family admins can manage members, shared envelopes, and member cards. Members only see what they have access to.

10. Adjust settings

Use Settings to manage:

• Profile and account preferences.
• Notification preferences.
• Budget behavior such as carryover.
• Card appearance.
• Family or billing entry points when available.
• Re-running setup if you skipped something.

Setup rule

If a button says setup is needed, follow that button first.

Envelopd should take you to the next required step in context. You should not need to hunt through menus to finish identity setup, connect a bank, or make an envelope spendable.