How does Money Clouds® work?

Money Clouds has made saving money for the things you want easier than ever - define and organize your goals by creating a Money Cloud for each of the things you want to save for, link your checking account to fund your goals, and set up an automatic savings plan.

Are you a bank?

We're not a bank. We're a technology service provider designed and operated to help our customers set aside money for the things they want to save for. We do have a banking partner where all of your money is safely kept and your private information is protected.

Who can use Money Clouds?

Anyone who is at least 18 years old and holds a checking account with a United States banking institution. As of now, we're only available to residents of the United States.

Just like the bank, Money Clouds uses top industry standards for transferring sensitive data. We use 256-bit secure socket layer (SSL), SHA-256 encryption technologies, and use PCI compliant bank services to ensure your money and information are protected. The Money Clouds team (including family and friends) uses this platform too, so we understand how critical and important this is.

Does Money Clouds work with my bank?

Money Clouds uses the "micro deposit" workflow to verify your bank account.  As long as your bank or credit union can facilitate ACH transactions, it should work with the platform.  If by chance you're having issues with linking your particular checking or savings account, please send an email to and we help as much as we can.