Plume rounds up, sweeps your spare cash into 4.3% savings, and tells you before a bill bites — all from one calm app.
No spreadsheets, no 'gotcha' fees, no guessing what's left.
Round-ups and smart sweeps move spare cash into 4.3% APY without you thinking about it.
A heads-up before anything large clears.
Freeze, unfreeze, and create virtual cards in a tap.
FDIC-insured to $250k, with bank-grade encryption and on-device biometrics.
No overdraft, no minimums, no monthly line items.
This is what a statement looks like when the app is doing the work. Every line is money that moved on its own, or a fee that never happened.
$3,410.02 checking · $11,988 in savings goals.
Rent cleared before payday. Bill radar flagged it two days out — no fee, no scramble. Would've cost $34 elsewhere.
$38.50 a week moved to savings on its own, without leaving the account short.
5% of the paycheck swept the moment it landed — $160 into goals before it could be spent.
$44.16 earned at 4.3% APY. No lockup, no minimum balance, withdraw anytime.
$358.16 set aside without a single manual transfer — and $34 in fees that simply didn't happen.
The boring, important stuff — handled so you never have to think about it.
Deposits are held with our partner bank and federally insured.
256-bit encryption in transit and at rest, with biometric login.
Freeze a card in a tap and get pinged the second something looks off.
No overdraft traps, no surprise minimums — what you see is what you pay.
No minimums, cancel anytime — your money stays yours.
Everything you need to bank better.
For people optimizing every dollar.
There isn't a hidden line item. Plume makes money on interchange when you spend and on the Plume+ subscription — not on overdraft, minimums, or monthly fees. The APY is variable and set against the market; if it moves, we tell you before it changes, not after.
Plume is a financial technology company, not a bank. Banking services and your deposits are provided by our FDIC-member partner bank, where balances are insured up to $250,000. Your money never sits at Plume — it sits at the insured bank, and you can see which one in-app.
Instantly between your own Plume checking and savings. External transfers via standard ACH land in 1–2 business days at no cost; instant payout to a debit card is available for a flat 1% fee, shown before you confirm. No withdrawal caps, no penalty for pulling from savings.
Smart sweeps only move spare cash above the buffer you set, so an automatic transfer never overdraws you. If a bill would leave you short, bill radar warns you first and pauses the next sweep — you stay in control, the app just does the arithmetic.
No fees, no minimums, FDIC-insured. Your spare cash starts earning today.
FDIC-insured to $250k · No hidden fees