I haven’t been a PNC customer in years but as I recall, their “Virtual Wallet” account allowed for similar functionality (not using an envelope concept, but by

I haven’t been a PNC customer in years but as I recall, their “Virtual Wallet” account allowed for similar functionality (not using an envelope concept, but by allocating/reserving money to various recurring expenses so you’d see an adjusted balance after factoring in those upcoming payments). I’m sure the service has changed in the past 5+ years since I used it, but it may be worth checking out. The only reason I left PNC was because I moved to a region where they didn’t have any physical branches.