Compare QuickBooks Premier Versions – Intuit – Table of Contents

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Simplify your business. Compare QuickBooks Products for Desktop, Online and Mobile, as well Enterprise and Accountant solutions. Choose the best for you. QuickBooks Enterprise delivers robust, easy-to-use, advanced functionality that scales with your business with an option to work from anywhere with cloud.
 
 

Compare QuickBooks Products – Intuit

 

Some performance degradation is likely as your lists approach these size thresholds. Multi-currency capability: Service provided by Wall Street on Demand. Internet access required. Multiple monitor use: Up to 3 monitors supported. Not available in a hosted environment. Requires internet connection. Works only with expense receipts, not inventory item receipts. User licenses: Each unique user requires a license.

Each license sold separately. All copies of QuickBooks must be the same version-year. Licenses are available in single-user increments from 1 to 10 users. Diamond can support up to 40 users. Fees apply. Working in two company files at once: Some functionality may be limited when running two files at once. Membership in Priority Circle and its benefits are available only to customers located in the 50 United States, including DC, who have an active, paid subscription to QuickBooks Desktop Enterprise.

Eligibility criteria may apply to certain products. When customers no longer have an active, paid subscription, they will not be eligible to receive benefits. Support hours exclude occasional downtime due to system and server maintenance, company events, observed U. Intuit reserves the right to change these hours without notice. QuickBooks Online Advanced requires a persistent internet connection a high-speed connection is recommended and a computer with a supported Internet browser or a mobile phone with a supported operating system see System Requirements.

Network fees may apply. Subscriptions will be charged to your credit card through your account. Devices sold separately; data plan required. Not all features are available on the mobile apps and mobile browser.

QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost. Product registration required. Allows up to 10 active custom fields, available in Sales forms and Purchase Orders only. Accept credit card payments right in QuickBooks : QuickBooks Payments account subject to eligibility criteria, credit and application approval.

Access to features above may require download of the latest QuickBooks update. The e-Invoicing feature is included with QuickBooks Payments, which is an optional fee-based service. For next day deposits , credit card payments processed before PM PT usually arrive at your bank the next business day excluding weekends and holidays. Deposit times may vary for other payment methods, third party delays or risk reviews.

Instant Deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria and daily maximum limit. A debit card is required to set up.

Payments are sent to the bank account linked to an eligible debit card usually up to 30 minutes. You can request available funds 24 hours a day, 7 days a week. To get your money on the same day, payments must be received in your QuickBooks account before 3 PM PT on a banking business day and instant deposit requests must be made before 3 PM PT.

If payment is received after 3 PM PT, funds will be available for instant deposit request until 3 PM the following banking business day. Otherwise, payments will be processed at the normal speed. Deposit timing may vary for third party delays. Terms, conditions, features, service and support options are subject to change without notice.

Standard Enhanced Payroll subscription fees apply when adding to Enterprise Silver. Enhanced Payroll included in Enterprise Gold or Platinum does charge additional monthly per employee fees, additional fees may apply when paying contractors by direct deposit.

Enhanced Payroll does not limit the number of payrolls scheduled per month. Check stock sold separately. Plus sales tax where applicable. QuickBooks Desktop Payroll requires a supported version of QuickBooks Desktop Enterprise updated to the most current maintenance release.

QuickBooks Desktop Enterprise supports over , employees, customers, vendors and other names combined. However, performance may slow when processing files containing more than employees. QuickBooks Time Elite time tracking: time tracking is included in the base subscription for Enterprise Diamond. Per-employee monthly fees apply. GPS points can be pulled at clock in and clock out, opening the app, switching job codes, and while on the clock.

GPS points are not stored when employees are on a break, clocked out, or signed out of the app. The Salesforce CRM connector subscription supports one company file per subscription; limited to one subscription purchased from Intuit.

Your account on file will automatically be charged the then current list price on a monthly basis, starting at sign up, until you cancel. Various setup packages are available.

Pricing varies depending on the setup package chosen. For setup pricing, to purchase additional subscriptions, or for general DBSync billing questions, call or email support-intuit mydbsync.

Data can be imported from all versions of QuickBooks Desktop. Microsoft products sold separately. Synchronization with Outlook is also possible with Contact Sync for Outlook bit downloadable for free here. Choose schedule payment reminders from payment reminders through the Customers menu. You will be shown a pop-up — Automate sending statements and get paid faster. This Automatic Statement feature was not available in Accessing receipt management is easy by selecting the Vendors option from the main menu that will land you to the Receipt Management option.

Customer Groups is a feature that helps bifurcate the customers and create groups depending on the fields such as balance, type, etc. Such a feature was not available in the and version. This new feature saves time by automating recurring statements to the different groups created depending on their payment tendencies.

QuickBooks Online Mobile: QuickBooks Online requires a computer with a supported Internet browser see System Requirements for a list of supported browsers and an Internet connection a high-speed connection is recommended.

Devices sold separately; data plan required. Not all features are available on the mobile apps and mobile browser. QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost.

Product registration required. Connect your bank and credit cards: Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees. Collaborate with your accountant: You can connect up to the following for each product: 1 billable user and 2 accounting firms for QuickBooks Online Simple Start, 3 billable users and 2 accounting firms for QuickBooks Online Essentials, 5 billable users and 2 accounting firms for QuickBooks Online Plus, 25 billable users and 3 accounting firms for QuickBooks Online Advanced.

Accounting firms must connect using QuickBooks Online Accountant. Mileage tracking: Mileage tracking is only available to the master administrator of the QuickBooks Online account. Requires QuickBooks Online mobile application. QuickBooks online services: Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees. QuickBooks Payments: QuickBooks Payments account subject to eligibility criteria, credit and application approval.

Additional terms, conditions and fees apply. Auto-update and reconciliation not available in Self-Employed. Subject to additional terms, conditions, and fees. Automatic categorization: QuickBooks Online automatically categorizes newly imported transactions under existing categories and will initially require confirmation.

Cash flow: Cash flow planning is provided as a courtesy for informational purposes only. Actual results may vary. Available in QuickBooks Online only. Third party apps: Third party applications available on apps. If you choose the E-File Service, Intuit will e-file your Federal information with the IRS, and then print and mail a copy directly to your contractors; fees apply. As part of the paid E-File Service, we also give your contractors online access to their s.

State filing not included. You should check with your state agency on any state filing requirements. Remote multi-user access: You can connect up to 25 billable users and 3 accounting firms for QuickBooks Online Advanced. Batch invoices and expenses: QuickBooks Online Advanced supports the upload of transaction lines for invoices at one time.

If a unique custom field is duplicated in any of the aforementioned templates, the number of customizable fields will decrease. Premium Apps: Apps may require a third-party subscription. Subject to additional eligibility criteria, terms, conditions, and fees. Terms, conditions, pricing, service, support options, and support team members are subject to change without notice. QuickBooks Online Advanced Standard Technical Support: Support hours exclude occasional downtime due to system and server maintenance, company events, observed U.

Intuit reserves the right to change hours without notice. Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria. Standard rates apply for ACH, swiped, invoiced, and keyed card transactions. Deposits are sent to the bank account linked to your QuickBooks Debit Card or another eligible debit card in up to 30 minutes. Deposit times may vary for third party delays.

We use the average daily balance method to calculate interest on your account. See Deposit Account Agreement for terms and conditions.

Envelopes: You can create up to 10 Envelopes. Money in Envelopes must be moved to the available balance in your primary deposit account before it can be used. Envelopes earn interest as well. Each Envelope will automatically earn interest once created, which will be separately tracked from the primary account and any other Envelope. The interest will be applied to deposit balances in each individual Envelope at the end of your Billing Cycle.

Cash flow planner: Cash flow planning is provided as a courtesy for informational purposes only. Track income, send invoices, and more.

Organize books with a live bookkeeper. Scale smarter with profitability insights. Accept all types of payments. Track time and projects on the go. Track income, expenses, and more. Automate tasks and organize finances. Get deeper insights and grow smarter. Why QuickBooks. How QuickBooks works. Take our product for a spin, no strings attached. See how we compare with other financial solutions. Sales hours. Need help signing in?

Sign in. QuickBooks Online. QuickBooks Self-Employed. QuickBooks ProAdvisor Program. QuickBooks Online mobile access is includedwith your QuickBooks Online subscription at no additional cost. QuickBooks online services : Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees.

Auto-update and reconciliation not available in Self-Employed. Subject to additional terms, conditions, and fees. Automatic categorization : QuickBooks Online automatically categorizes newly imported transactions under existing categories and will initially require confirmation. Remote multi-user access : You can connect up to 25 billable users and 3 accounting firms for QuickBooks Online Advanced.

Batch invoices and expenses : QuickBooks Online Advanced supports the upload of transaction lines for invoices at one time. If a unique custom field is duplicated in any of the aforementioned templates, the number of customizable fields will decrease.

Premium Apps : Apps may require a third-party subscription. Subject to additional eligibility criteria, terms, conditions, and fees. Eligibility criteria may apply to certain products. When customers no longer have an active, paid subscription, they will not be eligible to receive benefits. Support hours exclude occasional downtime due to system and server maintenance, company events, observed U. Intuit reserves the right to change these hours without notice.

Terms, conditions, pricing, service, support options, and support team members are subject to change without notice. QuickBooks Online Advanced Standard Technical Support : Support hours exclude occasional downtime due to system and server maintenance, company events, observed U.

Intuit reserves the right to change hours without notice. Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria. Standard rates apply for ACH, swiped, invoiced, and keyed card transactions. Deposits are sent to the bank account linked to your QuickBooks Debit Card or another eligible debit card in up to 30 minutes. Deposit times may vary for third party delays. Annual percentage yield : The annual percentage yield “APY” is accurate as of September 12, and may change at our discretion at any time.

The APY is applied to deposit balances within your individual Envelopes. We use the average daily balance method to calculate interest on all balances held in Envelopes. Balances held in your primary QuickBooks Checking account that are not in an Envelope will not earn interest.

See Deposit Account Agreement for terms and conditions. Money in Envelopes must be moved to the available balance in your primary QuickBooks Checking account before it can be used. Envelopes within your primary QuickBooks Checking account will automatically earn interest once created. At the close of each statement cycle, the interest earned on funds in your Envelopes will be credited to each Envelope in proportion to the average daily balance of each Envelope.

Cash flow planner : Cash flow planning is provided as a courtesy for informational purposes only. Actual results may vary. QuickBooks Online and QuickBooks Self-Employed system requirements : QuickBooks Online requires a persistent internet connection a high-speed connection is recommended and computer with a supported Internet browser or a mobile phone with a supported operating system see System Requirements and an Internet connection.

Network fees may apply. Simple Start, Essentials and Plus allow up to accounts. QuickBooks Plus includes up to 40 combined tracked classes and tracked locations.

QuickBooks Online Advanced automatic data backup and recovery : QuickBooks Online uses technical and administrative security measures such as, but not limited to, firewalls, encryption techniques, and authentication procedures, among others, to work to maintain the security of your online session and information.

 

Compare QuickBooks Enterprise with Other QuickBooks Products | QuickBooks – Xero vs. QuickBooks: At a Glance

 

Get room to grow with user control. Customize user access for specific customers, vendors, reports, and more. Easy switching from multi-user mode to single-user mode. Ensure that only employees with explicit payroll permissions are able to view transactions and reports.

Up to Streamline your workflows. Automatically backup your data reliably and faster than ever. Create customizable bill payment stubs to send to your vendors. Included in Enterprise Gold, Platinum, and Diamond; additional per-employee fees. Included in Enterprise Diamond base subscription; additional per-employee fees. Manage inventory like a pro. Sales order managment. Customized inventory reports.

Shortage report assists with assembly management. Disallow selling to customers with overdue payments. Automatically create purchase orders for needed items from your preferred vendors.

Search items in sales orders by custom fields, or by invoice or sales receipt. Easily get vendor contact, item, and pricing information. Combined pick and pack roles. Create customized pick-lists to be completed by warehouse workers across multiple locations.

Print labels with scanner-compatible printer. Easily find and locate inventory tasks by accessing your inventory items and reports all in one place. Track serial or lot numbers. Maintain reliable inventory counts even when a single order is delivered in multiple shipments. Automatically copy ship-to address from sales order to purchase order. Change assembly components on the fly and print with one click. Build subassemblies automatically with a final build.

Maintain control of your average cost by disallowing negative inventory quantities when you have inventory on hand. See data the way you want. Get a comprehensive, easy-to-understand overview of your business with insights on the home page. See business data at a glance with Company Snapshot.

Smart search capabilities. Make reports quickly and filter them on the fly with shortcuts. Quickly find invoices in Receive Payment window with column sort options. Run, memorize and share fiscal reports through the end of previous month. Reduce tedious work by totaling quantities and custom fields, like weight, on sales forms. Stay on top of jobs or projects with detailed Job Costing reports. Access industry-specific report templates created by other QuickBooks users.

Get quantity totals on key sales-by-item reports. Improved report templates, user guides, and training videos. Advanced customization to build any report you need.

Enhanced search and filtering tools to pick and choose the data you want to analyze and report. Improve cash flow. Send automatic reminders to customers when payments are due. Consolidate multiple invoices into just one email. Customize payment receipt formatting for a professional and consistent look. Track invoice statuses at a glance to expedite collections and improve cash flow. Get an instant overview of your money-out in one place with Bill Tracker.

Save time on everyday tasks. Automatically assign default classes to items, accounts, or names. Our fastest QuickBooks ever bit computing power. VIP support including online training and dedicated account management team. Transfer customer credits across jobs, quickly and easily. View unpaid vendor bills to easily manage payments. Batch delete or void transactions like checks, invoices, and bills. Bulk clear your “send forms” queue in one single step.

Turn purchasing into a two-click operation with improved Auto POs. Create time sheets for multiple employees or vendors in one batch. Run your business from anywhere. Simultaneous access for your entire team, including your accountant and remote employees.

Track income and expenses in QuickBooks – Most popular. Track income and expenses. Run basic reports. Track miles. Estimate quarterly taxes. Premier Plus. Pro Plus. QuickBooks Enterprise Diamond Open Modal. Now available: QuickBooks Desktop Enterprise Automatic QuickBooks product updates: Active QuickBooks Desktop Enterprise subscription members receive new versions of our products, along with updates to your current version, when and if released within 12 months of QuickBooks Desktop Enterprise purchase date or subscription renewal date.

Online backup and data protection: Requires internet access for backup, restore and setup changes and comes bundled with Enterprise as well as Pro Standard, Premier Standard, Pro Plus, and Premier Plus subscriptions.

Enhanced custom fields: Allows up to 10 active custom fields, available in Sales forms and Purchase Orders only. Direct deposit: Direct deposit service is included for W-2 employees with your Payroll subscription. Additional fees apply for contractors paid by direct deposit. Money movement services: Money movement services, such as direct deposit, are provided by Intuit Payments Inc.

Intuit reserves the right to limit the number of sessions and the length and scope of each session. Assisted migration results may vary based on business complexity and file size. Terms and conditions, features, support, pricing, and service options are subject to change without notice.

Customers will need to download the app no later than December 31, or before 25, app downloads have been reached, whichever occurs first. App access will expire on December 31, QuickBooks Online Mobile : QuickBooks Online requires a computer with a supported Internet browser see System Requirements for a list of supported browsers and an Internet connection a high-speed connection is recommended. Devices sold separately; data plan required.

Not all features are available on the mobile apps and mobile browser. QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost. Product registration required. Connect your bank and credit cards : Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees.

Receipt capture : Requires QuickBooks Online mobile application. Collaborate with your accountant : You can connect up to the following for each product: 1 billable user and 2 accounting firms for QuickBooks Online Simple Start, 3 billable users and 2 accounting firms for QuickBooks Online Essentials, 5 billable users and 2 accounting firms for QuickBooks Online Plus, 25 billable users and 3 accounting firms for QuickBooks Online Advanced.

Accounting firms must connect using QuickBooks Online Accountant. Mileage tracking : Mileage tracking is only available to the master administrator of the QuickBooks Online account. Requires QuickBooks Online mobile application. QuickBooks Online mobile access is includedwith your QuickBooks Online subscription at no additional cost. QuickBooks online services : Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees.

Auto-update and reconciliation not available in Self-Employed. Subject to additional terms, conditions, and fees. Automatic categorization : QuickBooks Online automatically categorizes newly imported transactions under existing categories and will initially require confirmation. Remote multi-user access : You can connect up to 25 billable users and 3 accounting firms for QuickBooks Online Advanced.

Batch invoices and expenses : QuickBooks Online Advanced supports the upload of transaction lines for invoices at one time. If a unique custom field is duplicated in any of the aforementioned templates, the number of customizable fields will decrease. Premium Apps : Apps may require a third-party subscription.

Subject to additional eligibility criteria, terms, conditions, and fees. Eligibility criteria may apply to certain products. When customers no longer have an active, paid subscription, they will not be eligible to receive benefits.

Support hours exclude occasional downtime due to system and server maintenance, company events, observed U. Intuit reserves the right to change these hours without notice. Terms, conditions, pricing, service, support options, and support team members are subject to change without notice. QuickBooks Online Advanced Standard Technical Support : Support hours exclude occasional downtime due to system and server maintenance, company events, observed U.

Intuit reserves the right to change hours without notice. Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria. Standard rates apply for ACH, swiped, invoiced, and keyed card transactions. Deposits are sent to the bank account linked to your QuickBooks Debit Card or another eligible debit card in up to 30 minutes.

Deposit times may vary for third party delays. Annual percentage yield : The annual percentage yield “APY” is accurate as of September 12, and may change at our discretion at any time. The APY is applied to deposit balances within your individual Envelopes. We use the average daily balance method to calculate interest on all balances held in Envelopes. Balances held in your primary QuickBooks Checking account that are not in an Envelope will not earn interest.

See Deposit Account Agreement for terms and conditions. Money in Envelopes must be moved to the available balance in your primary QuickBooks Checking account before it can be used. Envelopes within your primary QuickBooks Checking account will automatically earn interest once created. At the close of each statement cycle, the interest earned on funds in your Envelopes will be credited to each Envelope in proportion to the average daily balance of each Envelope.

Find all reminders and notifications in one single window – overdue items, to-do tasks, system notifications, and notes from accountants. View and pin important notes about customers, vendors, and employees. Add multiple attachments, customize email templates to include customer or job info, and see prior email conversations with powerful email capabilities.

See all your income-producing transactions in one spot, including overdue invoices so you can remind customers to pay up with Income Tracker. Pull in all your banking transactions from multiple banks and accounts so you can view and categorize them for tax time. Track bounced checks and see key reports in just one click. Invoice multiple customers for time and expenses in one batch. See your invoices, billing, and other important tasks in a Calendar View. Access your inventory items all in one place with Inventory Center.

Attach and store documents in the Document Center. Access industry-specific report templates created by other QuickBooks users. See all your key customer information at a glance with the Customer Snapshot.

Set up Memorized Transactions for recurring billing, invoices, and estimates. Create professional looking invoices and forms. Track sales, sales taxes, and customer payments. Send invoices and estimates right from your business Yahoo! Create and print deposit slips. Easily print checks, pay bills, and track expenses.

Import your contacts from Excel or other email address books. Allow up to 5 users to work in QuickBooks at the same time. Set individual user permissions to control access to sensitive information. Create a copy of your company file for your accountant. Track your balance sheet by class such as a location, department, or profit center.

Import data from Excel, Quicken, and prior QuickBooks versions. Download bank and credit card transactions directly into QuickBooks. View customized sales and profitability reports. Run “Cost to Complete Job” report. Track time and expenses by employee, project, client, or service. Bill clients progressively by job phase. Document and track change orders. Easily pay employees and manage payroll taxes. Accept credit card payments in QuickBooks or on a mobile device.

Turn on Payments for an additional fee 6. Subject to change at any time without notice. E-commerce integration: Requires an active and current version subscription of QuickBooks Pro Plus, Premier Plus or Enterprise and a separate Webgility e-commerce account subscription.

E-commerce integration subscription will be billed directly from Webgility. Your Webgility account will automatically be charged the package price on a monthly or annual basis, starting at sign up, until you cancel. To cancel your e-commerce subscription at any time, log into your Webgility account customer portal or contact Webgility customer success team at customersuccess webgility.

Your cancellation will become effective at the end of the monthly billing period and your subscription will terminate at that time. You will not receive a prorated refund; your access and subscription benefits will continue for the remainder of the billing period. Cancellation or termination of QuickBooks will not automatically cancel your Webgility subscription. Subject to availability of reliable internet connection.

Each unique user requires a license. Each license is sold separately. Some QuickBooks functionality may be limited within the cloud access environment. The Salesforce CRM connector subscription supports one company file per subscription; limited to one subscription purchased from Intuit. Your account on file will automatically be charged the then current list price on a monthly basis, starting at sign up, until you cancel.

QuickBooks Online Mobile: QuickBooks Online requires a computer with a supported Internet browser see System Requirements for a list of supported browsers and an Internet connection a high-speed connection is recommended. Devices sold separately; data plan required. Not all features are available on the mobile apps and mobile browser. QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost.

Product registration required. Connect your bank and credit cards: Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees.

Collaborate with your accountant: You can connect up to the following for each product: 1 billable user and 2 accounting firms for QuickBooks Online Simple Start, 3 billable users and 2 accounting firms for QuickBooks Online Essentials, 5 billable users and 2 accounting firms for QuickBooks Online Plus, 25 billable users and 3 accounting firms for QuickBooks Online Advanced.

Accounting firms must connect using QuickBooks Online Accountant. Mileage tracking: Mileage tracking is only available to the master administrator of the QuickBooks Online account. Requires QuickBooks Online mobile application.

QuickBooks online services: Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions, and fees.

QuickBooks Payments: QuickBooks Payments account subject to eligibility criteria, credit and application approval. Additional terms, conditions and fees apply. Auto-update and reconciliation not available in Self-Employed. Subject to additional terms, conditions, and fees. Automatic categorization: QuickBooks Online automatically categorizes newly imported transactions under existing categories and will initially require confirmation.

Cash flow: Cash flow planning is provided as a courtesy for informational purposes only. Actual results may vary. Available in QuickBooks Online only. Third party apps: Third party applications available on apps.

If you choose the E-File Service, Intuit will e-file your Federal information with the IRS, and then print and mail a copy directly to your contractors; fees apply. As part of the paid E-File Service, we also give your contractors online access to their s. State filing not included. You should check with your state agency on any state filing requirements. Remote multi-user access: You can connect up to 25 billable users and 3 accounting firms for QuickBooks Online Advanced.

Batch invoices and expenses: QuickBooks Online Advanced supports the upload of transaction lines for invoices at one time. If a unique custom field is duplicated in any of the aforementioned templates, the number of customizable fields will decrease.

Premium Apps: Apps may require a third-party subscription. Subject to additional eligibility criteria, terms, conditions, and fees. Terms, conditions, pricing, service, support options, and support team members are subject to change without notice.

QuickBooks Online Advanced Standard Technical Support: Support hours exclude occasional downtime due to system and server maintenance, company events, observed U. Intuit reserves the right to change hours without notice. Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria. Standard rates apply for ACH, swiped, invoiced, and keyed card transactions. Deposits are sent to the bank account linked to your QuickBooks Debit Card or another eligible debit card in up to 30 minutes.

Deposit times may vary for third party delays. We use the average daily balance method to calculate interest on your account. See Deposit Account Agreement for terms and conditions.

Envelopes: You can create up to 10 Envelopes. Money in Envelopes must be moved to the available balance in your primary deposit account before it can be used. Envelopes earn interest as well.