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.
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.
Yes. Deposits are FDIC-insured up to $250,000 through our partner bank. Funds are encrypted in transit and at rest, and every login uses biometrics or a passcode.
Plume is a financial technology company, not a bank. Banking services are provided by our FDIC-member partner bank — your deposits sit there, insured.
The Everyday plan is free, forever — no minimums or overdraft fees. Plume+ is $9/mo for higher boosts and cashback.
About two minutes from your phone. Most members are approved instantly.
No fees, no minimums, FDIC-insured. Your spare cash starts earning today.
FDIC-insured to $250k · No hidden fees