Flexible solutions to add money movement at scale to your platform.

Spend accounts

Freedom to share. Power to control.

Create spend accounts to manage money on Fluz with flexibility and control. Open and close accounts on demand, fund instantly, set budgets, and share access with others.

Get started

Your money, ready the moment your are

Add funds instantly with the flexibility to deposit how and when you want. Your balance is available immediately, ready to power your next move on Fluz.

Instant access to your funds

Forget settlement delays. Get real-time access the moment you deposit, so you can put your money to work right away.

Flexible funding, fewer fees

Deposit through ACH to avoid processing fees, or use card, PayPal, and digital wallets for added flexibility when you need it.

Every dollar, exactly where it belongs.

Create accounts for anything—trips, projects, kids, side hustles. Move money between them with a click. Share with anyone, and set exactly how much they can spend.

Create and close accounts on demand.

Open dedicated Spend Accounts in seconds, and shift funds between them to fine-tune budgets, control spending, and keep your money organized by purpose.

Share them with friends, family or teammates.

Control who can view, fund, or spend from each account. Assign permissions in a few clicks and keep oversight simple, secure, and centralized.

Use them to budget how much others can spend across Fluz.

Define access and set budget limits for others across Fluz features—from gift cards to virtual cards and bill payments.

Virtual account numbers. Real control.

Each account comes with its own virtual account number, giving you a secure, flexible way to receive payments your way.

Account details

Primary account holder name

Marketing Budget

Routing number

026009593

Account number

•••• 2134

Bank name

TransPecos Bank

ACH Debit

Allow this account to be debited

Additional account numbers

Facebook Ads

Created Jan 12, 2026

Routing number

026009593

Account number

•••• 2134

Bank name

TransPecos Bank

ACH Debit

Allow this account to be debited

One account, unlimited account numbers

Spin up a new account number in seconds—one for each client, platform, or purpose.

Dedicated numbers for every inflow

Use dedicated account numbers so you already know who sent it and why — no reconciliation required.

Choose whether your account can be debited

Account numbers are receive-only by default. Enable ACH debit only when needed.

One account, unlimited account numbers for every inflow

Spin up a new account number in seconds—one for each client, platform, or purpose.

Choose wether your account can be debited

Account numbers are receive-only by default. Enable ACH debit only when needed.

Everything, accounted for

See every balance, transaction, and shared action in one place. Know exactly who spent what, the moment it happens.

Export-ready statements

Download a clean statement for any account, anytime. Each one only shows what belongs to that account.

Real-time visibility built in

Balances, transactions, and shared activity—all in one feed. Know who did what, the moment they do it.

Trust runs deep.

Every layer of Fluz is built for security, speed, and transparency.

FDIC insured up to $10M

Spend account funds are held by FDIC-insured banking partners, with deposit insurance coverage up to $10,000,000.

Disclaimer

Fluz is a financial technology company, not an FDIC-insured bank. Banking services are provided by our FDIC-insured bank partners. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $10,000,000.00 is available on customer funds through pass-through insurance provided by bank partners where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met. There may be a risk that FDIC insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

Locks on your money and data

Your Spend Accounts are protected by industry-grade encryption and secure protocols to keep your funds and data safe.

Real-time alerts

Stay in control with instant notifications the moment a payment is made, received, or scheduled—so there are never surprises in your balance or activity.