How Currence Cash Flow Management Software Works

You make good money, but that doesn’t mean your financial system is clear. You’re juggling income, bills, accounts, maybe even multiple businesses. Budgeting apps haven’t helped, and spreadsheets are a chore. 

That’s where Currence comes in.

Currence cash flow management software is designed to simplify how money moves, so you can finally see your finances clearly and act on your plan without overthinking it.

Here’s how it works: your income flows into a dedicated account (your Reservoir). Then, a fixed amount, that you pick, is transferred monthly into your current checking  account. This means you’re able to continue living as you are. 

This structure separates income from expenses, prevents unconscious overspending, and makes sure savings and investments are happening automatically.

Let’s walk through the most common questions we get from clients—and give you real answers based on how Currence cash flow management software actually works in everyday life.

What Bank Is This?

Currence partners with real, regulated banks to manage the actual money movement within your system. The most common bank used is Thread bank , a U.S.-based institution that provides FDIC-insured checking accounts and backend infrastructure for platforms like Currence.

You’re not sending your money into some black box. You have full access, your accounts are titled in your name, and the money flows through a legitimate U.S. bank.

Does It Pay Interest?

Yes, your Reservoir account  accrues interest at Fed Funds Rates. But that’s not the point.

Currence isn’t designed to replace high-yield savings. It’s designed to ensure your income is flowing to the right places, in the right amounts, at the right times. The software is optimized for structure and clarity, not interest accumulation. 

There is more money to be found by reclaiming money being lost than there is in getting a higher return.

How Much Do I Keep in the Account?

Our rule of thumb is to have somewhere between 3 and 6 months of expenses saved up within your Reservoir. This should act as your emergency fund. Anything over and above this amount should be put to work elsewhere.

Do I Use This to Pay My Expenses?

No. You will continue to pay for expenses out of your current checking account. Assets should be paid for out of your Reservoir. 

Am I Changing All My Banking?

No. But you are changing how your money moves.

You keep your current accounts as they are.. What we’re doing is adding an intermediary to collect your income and then redistribute where it needs to go. 

Many clients choose to reroute their direct deposit into the Currence system because it streamlines everything and reduces friction. 

Currence cash flow management software doesn’t require you to close anything. It just gives you a better structure.

How Long Does It Take for Money to Show Up?

Once your income hits your Reservoir account, it’s available immediately. Transfers from the Reservoir to your Spending account happen on a fixed schedule you set, usually monthly or biweekly.

If you need to accelerate a transfer or move money early, you can do that with a few clicks. Just like any bank it takes 1-2 days for money to be moved and processed between banks. 

Is It FDIC Insured?

Yes. The accounts within the Currence system are held through FDIC-insured banks like. Your deposits are protected up to the legal limit, just like any other checking or savings account.

Can I Still Take Money Out If It’s Over My Budgeted Amount?

Yes. That’s one of the key design features of Currence cash flow management software: built-in flexibility.

If you need more money than what’s in your Spending account, you can move additional funds from your Reservoir. You’re in control. The system is designed to keep you aligned with your goals, not to lock you into an inflexible spending plan.

Can You, the Advisor, See What I’m Spending?

No, unless you choose to share that data.

We can see high-level account balances and flow, but we can’t see your transactions, vendors, or private details.

Your privacy is protected. The data belongs to you.

Can I Wire Money To and From the Account?

Yes. Your accounts are functional checking accounts. You can send and receive wires, set up direct deposit, use ACH transfers, and manage your bills just like you would with any other bank account.

Is There a Fee?

Yes, there is a small $40 quarterly fee to use Currence cash flow management software. It covers the software, the integration with your banking accounts, automation, and the reporting tools, as well as protecting your data from being sold.

Most clients find that the time, clarity, and savings it creates far outweigh the subscription fee.

Who Do I Go to If I Need Help?

You come to us.

At StoneCentury, we help you implement the system and guide you through strategy. If you have a tech issue (login, password reset, bank connection), we’ll either help directly or connect you to Currence support.

You don’t have to navigate it alone. You’re not stuck in a customer service loop.

What If I Don’t Know How Much I’m Spending Each Month?

That’s exactly why this system exists.

Most clients come to us without a clear picture of their actual cash flow. They may know what they make, but not where it goes, or how much is truly available to save or invest.

Currence cash flow management software automates the structure that creates that clarity. Once it’s in place, you’ll know, without spreadsheets or mental math, what’s coming in, what’s going out, and what’s left over.

Can This Work for My Business?

At this current moment Currence does not offer to businesses. But the same principles apply and can be used for your business.

Why Would I Do This If I Already Have a Budget?

Because most budgets live on paper. This one lives in reality.

While your budget is a great exercise, most of the time it only lives on an app, a piece of paper, or a spreadsheet. It’s also retroactively reported. 

Currence gives you the structure to automate and operate your budget with the highest probability of success.

If you’ve ever said, “I have a budget but I don’t stick to it,” Currence cash flow management software is for you. It automates the decisions you’re trying to make manually. It turns intent into action by moving your money before you get a chance to spend it impulsively.

It’s not budgeting in the traditional sense, it’s financial infrastructure that removes guesswork, increases savings, and makes better financial behavior automatic.

Most of our clients who have budgets find that this tool improves their budget.

Want to see how this system would work in your financial life?

Download our free Cash Flow Blueprint to get the exact structure we use with high-income clients to automate savings, eliminate financial friction, and finally feel in control of your income.