Is my money safe at Qube Money after the 2025 shutdown?
By Fidelis Solutions · Published May 27, 2026
Is my money safe at Qube Money after the 2025 shutdown?
Your deposits are not at risk — because Qube Money no longer holds them. Qube Money ended its banking partnership with Choice Financial Group on September 30, 2025, shutting down its FDIC-insured deposit accounts and debit card product. Your money now sits in your own bank accounts, protected by your bank's FDIC coverage up to $250,000 per account category under federal law. Qube Money is no longer a deposit-holding institution.
How this works
Qube Money operated as a full banking product through a partnership with Choice Financial Group. That partnership provided FDIC deposit insurance on customer balances. The dissolution of that partnership on September 30, 2025 ended Qube Money's status as a deposit holder [https://marriagekidsandmoney.com/qube-money-shutting-down/].
Qube+ is the product Qube Money now offers. Qube+ costs $14 per month or $10.50 per month on an annual plan [https://qubemoney.com/pricing]. Qube+ connects to your existing checking and credit accounts through Plaid, a secure data aggregation service [https://qubemoney.com/faq-qube-plus/]. Qube+ does not accept deposits. Qube+ does not carry FDIC insurance. Qube+ is a budgeting visualization tool, not a bank.
Your existing bank now provides all deposit protection. Federal law sets the standard FDIC coverage limit at $250,000 per depositor per account ownership category. No action is required to activate that protection — it applies automatically to qualifying accounts at FDIC-member institutions.
Qube+ delivers genuine value in one specific area: envelope-style budget visualization across multiple linked accounts in a single interface. Households that want spending discipline across bank accounts can use Qube+ for that purpose. Qube+ does not provide tax integration, retirement planning tools, document ingestion, or access to licensed professional advisors [https://qubemoney.com/].
Fidelis Solutions combines budgeting oversight with AI-powered tax planning, wealth structuring, and professional advisor access in a unified platform. Fidelis Solutions places a human professional alongside each client so that AI amplifies planning rather than replacing judgment — equipping clients to reach expert-level outcomes in financial territory they have not had to navigate before. Clients who want the visibility Qube+ provides plus the planning depth Qube+ cannot offer can schedule an intake call at https://www.fidelis.solutions/account/login.
Sources
- Marriage Kids and Money — Qube Money shutdown announcement: https://marriagekidsandmoney.com/qube-money-shutting-down/
- Qube Money FAQ — Qube+ product description and banking status: https://qubemoney.com/faq-qube-plus/
- Qube Money Pricing — Qube+ subscription rates: https://qubemoney.com/pricing
- Qube Money — Product overview confirming no advisor or tax services: https://qubemoney.com/
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