chute
Open an account

Every
paycheck,
sorted.

Chute is a bank account that splits your pay the moment it lands. Bills set aside to the day they're due, goals filled, and the rest is yours to spend. Set the rules once.

Open an account Watch a payday
Monthly fee
$0
Goals earn
4.10% APY
Paid up to
2 days early

Click the machine to drop in $60

Payday

Your pay lands at 6:02 am.

Kestrel Labs pays Riley $3,240 every other Friday. Chute splits it before the coffee's on: here that's 54 marbles, $60 each, through one set of rules.

Paycheck
$3,240
Sorted
$0
Split in
0.4 sec

Your rules

Set it once. Tilt it any time.

Bills come off the top, then each goal takes its share, and whatever's left is yours. Move a slider and the router tilts with it, starting with the very next marble.

    Bills

    Bills, paid on the day.

    Bill money waits in its own lane, out of reach of a Saturday splurge. On the day a bill is due the gate opens and it's paid. Never early, never late, never short.

      Goals

      Goals that fill themselves.

      Name it, give it a date. Chute works out what to set aside each payday and fills the jar, and the money earns 4.10% APY while it waits.

        Spending

        What's left is yours. All of it.

        Safe-to-spend is money nothing else is waiting for. Your Chute card spends from the dish, so a big night out can't touch the rent.

        Safe to spend
        $1,380
        A day, till payday
        $98

        A real bank account, with the plumbing done for you.

        Direct deposit, a debit card, bill pay and savings in one account, with every dollar in its place before you look.

        1. $250k

          Insured to $250,000

          Deposits are held at our partner bank and insured to the federal limit.

        2. $0

          No fees to fall into

          No monthly fee, no minimum, no overdraft fee. Chute can't spend money that isn't there.

        3. 2 days

          Paid up to two days early

          Your employer's deposit is released to you the moment it's announced, not when it clears.

        4. 1 tap

          Locked in a tap

          Freeze the card, set limits by shop or by day, and sign in with your face.

        Chute for employers

        A raise that costs nothing: pay that sorts itself.

        Offer Chute as a benefit and your team's pay arrives already split. Match emergency savings, see how your team is doing (never who), and cut payroll advances.

        Employers on Chute
        2,400
        Paychecks sorted a month
        3.1M
        Fewer payroll advances
        38%
        Chute APISplit a direct deposit
        POST /v1/splits
{
  "member": "mem_9Qx2",
  "deposit": 3240.00,
  "rules": [
    { "to": "bills",  "amount": "auto" },
    { "to": "goal_japan", "amount": 240 },
    { "to": "goal_home",  "amount": 420 },
    { "to": "spend",  "amount": "rest" }
  ]
}

        Payroll and HR platforms build splitting in with one call. Read the docs

        Free. Then a little extra, if you want it.

        1. Chute

          $0

          The whole machine: paycheck splitting, bills, goals and the card.

          • Unlimited goals and rules
          • Bills paid on their due dates
          • Goals earn 4.10% APY

        2. Chute Plus

          $5 a month

          For couples and big plans: shared jars and a better rate.

          • Shared goals with a partner
          • Goals earn 4.60% APY
          • A steel card, no foreign fees

        3. Chute for Work

          $2 a person, a month

          Chute as a benefit, wired into your payroll.

          • Savings matching
          • Payroll and HR integrations
          • Anonymous wellbeing reports

        Annual percentage yields are illustrative and may change. Early pay depends on when your employer sends payroll.

        Let your next paycheck sort itself.

        Open an account in five minutes, switch your direct deposit, and set your rules before payday.

        Open an account Try the rules