diff --git a/roles/neomutt/templates/account.neomuttrc.j2 b/roles/neomutt/templates/account.neomuttrc.j2
index 221ea20..b0b89c1 100644
--- a/roles/neomutt/templates/account.neomuttrc.j2
+++ b/roles/neomutt/templates/account.neomuttrc.j2
@@ -4,7 +4,11 @@ set realname = "{{ account.realname }}"
 set from = "{{ account.fulladdress }}"
 set sendmail = "msmtp -a {{ account.fulladdress }}"
 alias me {{ account.realname }} <{{ account.fulladdress }}>
+{% if account.imap %}
 set folder = "{{ account.imap.proto }}://{{ account.imap.login }}@{{ account.imap.server }}:{{ account.imap.port }}"
+{% else %}
+set folder = "/home/{{ ansible_facts['env']['USER'] }}/.local/share/mail/{{ account.fulladdress }}"
+{% endif %}
 set header_cache = /home/{{ ansible_facts['env']['USER'] }}/.cache/neomutt/{{ account.fulladdress }}/headers
 #set message_cachedir = /home/{{ ansible_facts['env']['USER'] }}/.cache/neomutt/{{ account.fulladdress }}/bodies
 set mbox_type = Maildir