Truss Sub-Accounts · Truss Help Center

Open Truss sub-accounts to keep money for different purposes apart. Each one opens instantly with its own account number and earns interest.

What a sub-account does

A sub-account is an extra Truss checking account. Use sub-accounts to keep money for different purposes apart, like a warranty reserve, taxes, or payroll.

Opens instantly with its own account number.
Earns interest, paid monthly. Your current rate shows in the app.
Shows up under Accounts in the sidebar, with its own balance.
Your primary account doesn't change. Payments keep going in and out of your Cash account by default.

Open a sub-account

In the sidebar, go to Accounts, then All accounts, and select Open an account.
Enter an Account name. This is how the sub-account appears across Truss.
Select Open plus the name you entered, for example Open Teddy Bears.

After it opens

You'll see a confirmation with the account name, type, routing number, account number, and interest rate. The sub-account is ready to receive transfers right away.

Select Go to account to open the sub-account’s page. The account and routing numbers are there whenever you need them.
Select Open another to add another sub-account.

The new sub-account now appears under Accounts in the sidebar.

Move money into it

From another Truss account: select Transfer, choose where the money is coming from and where it's going, then select Review.
From outside Truss: share the sub-account’s account and routing numbers with anyone who needs to send you an ACH payment.
From invoices: set a sub-account as an invoice’s receiving account so the customer’s payment lands there directly. See Change the Receiving Account for an Invoice.

Good to know

Each sub-account has its own account number. The routing number is the same for all your Truss accounts.
The Accounts page shows your combined balance across your Cash account and all your sub-accounts, with settled, pending, and accrued interest totals.
Payments default to your primary account. Opening a sub-account doesn't change where payments go in or out.

About FDIC insurance FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.