Great news! If your phone dies, you don't have cell service, or you (or your spouse) just can't get on board with opening a Qube every time you want to spend money, we have TWO solutions for you!
1. Qubeless (Recommended)
Our Qubeless feature allows you to spend without any qubes open! This setting is customizable for both debit card and ACH transactions and allows you to customize your own limits for each setting.
Click here to learn more about Qubeless.
2. Customize your Qube Close Settings
Your Spend Qubes come with the option to customize your qube close settings. Spend qubes default to closing after a purchase is made, however, you can change the qube setting to close in 30 minutes, 2 hours, 1 day, 1 week, or 1 year.
Changing the qube close setting allows you to leave one qube open for up to one year. This means you will not need to open a specific qube to spend every time you're making a purchase, and can treat this qube as a regular checking account which enables you to spend freely within the balance of that qube.
To change your qube close setting:
1. Open your app and go to the Spending Screen
2. Open the qube you want to edit by tapping the dollar amount shown
3. Tap the Qube Close Settings icon (Shopping bag with the number 1 in it)
4. Select the timeframe for which you'd like to leave the qube open, up to 1 year
Because your qube will always be open for the timeframe you selected, you can use it at any time during that period without opening the app. This is a great thing to set up before your phone dies completely, and before you get to the ski resort or go into the big box store with no cell service.
We believe in intentional spending and the mindful practice of opening a qube before each purchase, as research shows this type of mindfulness and required action decreases overspending. However, after much feedback from our customers, we have adjusted customized qube close settings to last up to one year. Just keep in mind that if you open a different qube during the timeframe you've set, your first qube will close.
Keep in mind that Qubeless and an open qube cannot work simultaneously. If you set a qube to stay open for one week, month, or year, your purchases will always go to the open qube. We recommend turning on Qubeless over this option, as Re-Qubing your Qubeless transactions will more easily and accurately track your purchases to the right spending category.