Buckets work best when they're real accounts
Cashvane can track your buckets inside one connected account. But separation is far more powerful when each bucket is an actual checking account with its own account and routing number.
Virtual buckets vs. real sub-accounts
With one bank account, Cashvane calculates your buckets and tells you the amounts — but the money still sits in a single pile, which makes it easy to spend tax money on materials. With sub-accounts, the money physically moves. Tax money is not in the operating account, so it cannot be spent by accident.
Reserve
Profit set aside
Your Pay
Pay yourself first
Tax Buffer
Never caught short
Day-to-Day
Keep it running
How it works
- 1Open a free business banking account that supports multiple sub-accounts.
- 2Create one account per bucket — Reserve, Your Pay, Tax Buffer, Day-to-Day.
- 3Set automatic transfers so incoming revenue is split and moved without you.
Who we point you to
We recommend Relay, a business banking platform where each account is a real checking account with its own account and routing number. Banking services are provided by Relay's partner bank. Cashvane may receive a referral benefit if you open an account through our link.
Open real bucket accountsAlready a Cashvane customer? The same flow lives under Business banking in your dashboard, with your buckets pre-labelled.
Set up the allocation first
Get your buckets and targets right inside Cashvane, then make them real accounts when you're ready.