The doubts, answered here.

Automated allocation uses your Income deposits and your custom Current Allocation Percentages (CAPs) to automatically move money into Profit, Tax, OpEx, Owner’s Pay, and other bank accounts — when you are banking with ProfitFirst.bank — ensuring your cash flow discipline is consistent and systematized and putting your Profit First system on autopilot.

• Multiple FDIC-insured accounts with no minimums or fees.
• Designed for Profit First methodology including auto-allocation based on percentages you set.
• Direct sync with the App for up-to-date financial data.

All funds at Dream First Bank (Dream First Bank) are FDIC insured.

No — you do not have to use Dream First Bank to use the Profit First App. You can securely connect your existing bank accounts through Plaid and use the App’s allocation calculators, tracking tools, and financial insights.

However, if you are not banking with Dream First Bank, powered by Dream First Bank, you will not unlock the full power of the integrated system — including automated, scheduled allocations that move your money into the correct Profit First accounts automatically.

While the App works with connected external banks, Dream First Bank enables a fully integrated experience that puts your Profit First system on autopilot and removes the need for manual transfers.

ProfitFirst.bank, powered by Dream First Bank, is the official banking partner of the Profit First App and is designed specifically to support the Profit First methodology.

When you bank with Dream First Bank:

• You can open multiple dedicated accounts (Income, Profit, Owner’s Pay, Taxes, Operating Expenses, and more) structured exactly the way Profit First recommends.
• Your accounts integrate directly with the Profit First App for real-time balance visibility and allocation tracking.
• Most importantly, you can set up automated, scheduled allocations based on your customized percentages.

This means that on your chosen allocation schedule, funds are automatically distributed into your Profit First accounts — without manual transfers or calculations. The result is your Profit First system running on autopilot. Your profit, pay, taxes, and operating expenses are allocated consistently and systematically, helping you remove emotion, increase discipline, and build lasting financial clarity.

This integrated banking + software experience is the most streamlined way to fully implement Profit First.

Dream First Bank is the official banking partner of the Profit First App — powered by Dream First Bank. It’s a business bank platform designed to support the Profit First methodology by enabling multiple FDIC-insured accounts, automatic allocations, and real-time cash management for entrepreneurs.

Go to Settings → Bank Accounts and select the edit or remove option. Foundational Profit First accounts must remain present, but you can modify properties like name, CAP/TAP percentages, and minimum balance requirements.

If you are not banking with Dream First Bank, the Profit First App connects to financial institutions through Plaid.

Currently, all U.S. and Canadian banks supported by Plaid can be connected to the App. We are actively expanding international bank connectivity, and additional countries are being added with each new release.

If your bank is not yet available, we encourage you to check back regularly as Plaid integrations continue to expand globally

To connect your bank accounts to the Profit First App, follow these steps:

1. Log in to your Profit First App account.
2. From the Dashboard click on the blue “Link” button at the top left near the bank accounts.
3. Follow the Plaid integration prompts to securely connect your bank.

Once connected, your balances update automatically for allocation planning.

Yes, they can be added as users and support their clients with allocations, analysis, and Profit First rollout strategies.

The App is built specifically to implement the Profit First methodology — it doesn’t just track finances, it guides and automates allocations, so your business pays profit first, then expenses.