I hate Mvelopes Personal. It is a very badly managed company. I had the free trial for three months, and after the first month or so, two of my credit cards were not downloading anymore, which meant I couldn't organize all the transactions from my bank accounts, and thus, defeated the purpose of using the Service.

After complaining about it for the third time or so I decided to not continue using the Service. My bad I passed three days from the trial expiration to cancel it. They had already withdrawn money from my bank account to pay for the next three months of service. I accepted this one. But then, I scheduled a payment with their service (the only thing that was worthy until that time), to pay for my gas bill, and due to incorrect managing, I didn't have the money in my bank account to pay for the bill. The payment was declined by my bank, my bank charged me a fee, and Mvelopes charged me a fee! This is absurd! I complained to them and to this day I haven't received my money back. They keep saying that it is on the terms and conditions. It would be correct if when they took the money from my account to pay for the three months of service, my bank declined the payment. But they were wrong in charging me a fee (which they simply took from my bank account) because I couldn't pay for my gas bill. If there is anyone still reading this, DO NOT use Mvelopes services. They are thieves and have the power to take money from your bank account whenever it pleases them!