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Frequently Asked Questions
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You’ve got questions, we’ve got answers
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RightBank is a new approach to banking that is entirely different from traditional banks and financial institutions. There are many details we’d like to share with you: what it is and how it works.
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How is RightBank different?
With traditional banks, you pay to store your funds via various monthly account fees, service fees, transaction fees, account maintenance fees and charges, among others. Seems like a lot of fees, no? RightBank provides accounts that are free, and we mean it. A traditional bank uses your cash to make profits that you never get a share of because checking accounts accrue zero interest. Your RightBank account balance grows continuously because we believe that your money should work for you first and foremost.
A traditional bank is mainly interested in selling you high-interest loans (in addition to account fees, transactions fee, etc.). The deeper in debt you are, the better for them as your interest grows with each dollar owed. We give you the means to spend less, stay out of debt and do it consciously, thus saving even more, faster.
Most importantly, we want to help you improve your “financial lifestyle” and spending habits to help you get ahead of the notorious “1%” and enable you to spend less while making more – growing your wealth effortlessly. Enjoy a more secure future and predictable lifestyle for you and your family.
If that sounds good, RightBank is here for you.
Is my money safe?
We operate under license of a major bank and legally your account is no different from having an account there. In Canada, accounts are insured up to 100K CAD; and in the US up to US$250K.
It’s your choice to make regular deposits with us. You can just use your RightBank card and services – at no cost. Enjoy risk-free savings, while your profits and savings grow.
Do I keep my regular banking accounts?
You can. Going forward, we will offer more functionality and services, including low-rate loans and features you expect from all traditional bank accounts.
Each year an average American spends over 300 USD on various banking fees and charges, direct or hidden. With RightBank, you will not spend a dime on these, all account-related services and features will be free of charge. Just think of that.
Can I use my RightBank card to pay for online purchases?
Absolutely. Your RightBank card is like any other bank’s payment card but with more advanced functionality. And, you can use it everywhere — be it your local grocery store or for online purchases. Hassle-free and secure.
Is this a debit card or a credit card?
RightBank’s card is essentially a debit card – you pay for all your purchases with your own money without borrowing. As a result, you do not accumulate any debt and completely eliminate late payment fees, high lending rates and expenses associated with credit card usage. At the same time, RightBank’s card is accepted anywhere where MasterCard is accepted. When you pay with your RightBank card you also enjoy additional services and benefits often provided with credit card users, such as cashback, bonus earnings, etc.
My current credit card offers cashback in the form of points. What’s different about RightBank’s cashback plan?
Instead of a points-based system which can only be spent with in-network participants (plus subject to overhead fees and “shrinkage” where you forget to consume earned points), RightBank cashback payments are made in real dollars that are automatically deposited into your RightBank account for use. Depending on your RightBank account type and specific merchants’ incentives, you’ll get 1% – 5% cashback on all your purchases and payments. Some merchants may provide higher cashback earnings, from 7% – 12%. This also goes directly into your account — immediately after each and every purchase. Automatically, effortlessly and without any chance of losing or forgetting earned points.
How does RightBank personal financial management help me save monthly?
RightBank Personal Financial Management is a free tool that enables you to automatically create your personal (or family) budget and to ensure your expenditures do not exceed your income by preventing potential overspending.
A typical family usually has 4 paychecks deposited on specific days each month. Such family also has certain known expenses that invariably happen on or before certain days of a month and have ‘fixed’ amounts (mortgage/rent, insurance, internet, and others). Additionally, there are ‘flex’ expenses like groceries, gas, clothes, etc. with no specific date or amount.
First, RightBank aligns your ‘fixed’ payments between the paycheck dates so that they would transact on time but when you have sufficient funds on your account without borrowing to make the payments close to the deadline to keep your money as long as possible to help you generate passive income on it.
Then the system plans the right times your ‘flex’ spending to coincide with the highest leftover balance on your account but tries to align your certain purchases to the best available deals (e.g. a local grocery store provides 15% discount). While the ‘flex’ expenses do not have a schedule, your past purchases as well as the ones that happened with people with similar habits, provide enough data for planning your “flex” spending ahead with a high level of accuracy.
Once all expenses are accounted for and timed with the paycheck dates, you can anticipate your cash-flow in advance and avoid many unnecessary (unplanned and/or impulsive) purchases. That results in having extra dollars in your RightBank account.
Are RightBank-generated spending plans fixed or can it be altered or modified to suit my needs?
Plans can be manually modified. Our system plans your future spending based on prior transactions, your known habits and preferences to better match your income and expenses so we help generate savings faster. However, you can easily modify your budgeting plan to adjust to your current needs. From there, our machine learning algorithms take these adjustments into consideration to make more precise suggestions for your future planned expenses.
How can meal planning help my savings?
The majority of people don’t plan their food-related purchases – buying too many things they don’t really need and overspending 50% on grocery purchases which often ends up in the garbage. Roughly 20% of consumers do create a grocery shopping list – often without a meal plan — again causing unnecessary purchases and waste. Studies show only 3% of consumers build a weekly or monthly meal plan and buy food based on what they actually plan to cook. For this group, excessive spending and waste ratio are close to zero.
According to the USDA, the average family spends $1,060 on food each month, of which nearly a third – $318 – is wasted. RightBank helps you plan your meals by building your list grocery purchases in advance – cutting waste and unnecessary purchases that save you money.
Meal plans are built based on your preferences (e.g. Mediterranean, Asian, American) and you get a menu for all meals for the next week or month. All meal ingredients are itemized and structured into the shopping lists for each grocery store visit. This way your food expenses are known and accounted for the next month. Adhering to a meal plan helps you save some $300 each month by cutting on unnecessary purchases and related waste.
My bank already provides me with spending recommendations. How is RightBank different?
Most banks calculate an average of your total spending by product group (e.g. groceries vs rent) for several prior months and recommend this amount next month.
Such approaches are ‘blind’ and have little to no value because it doesn’t analyze how you spend and on what precisely. That means continued over-spending with a 30% – 50% waste ratio.
Oftentimes, the recommendation systems used by traditional banks are overly simplified and cannot accurately identify spending groups. This results in many purchases being misclassified or designated as “Other”. This only creates confusion and ultimately adds to overspending.
Our model is exactly the opposite. Your RightBank recommended grocery list is specific and based on your specific detailed needs (e.g. meal plan -> ingredients and quantity -> grocery shopping list with itemized prices) which rolls up all details into the total amount. Our recommendation model suggests exactly what and how much you need to spend to meet your meal plan. It gives you full transparency and predictability of your current and future spending.
How does RightBank make money?
We charge a small percentage on your transactions. And since RightBank doesn’t maintain expensive retail locations, is highly automated with low operational overhead, we pass those savings on to you and keep our charges to a minimum.
How does your “kids account”work?
A RightBank “Kids account” is a special payment card account that your children (12 years or older) can use for their personal spending needs. The card has the same functionality as yours; however, you can set up spending limits so your child is unable to spend more than they are allowed. Build your child’s monthly expenditure plans and enable them to follow that plan. By teaching your children the basics of financial literacy from a young age – it helps them to properly manage their own money with good habits as they become adults.
Can I open RightBank account now?
Before opening, we’re working to meet all the rules and regulations of a regulated financial institution in Canada and the United States. In the meantime, please join our waitlist and share your thoughts and ideas regarding our offer and features so that we can better serve you and meet your needs. We don’t have all the answers – but we’re listening. (We like to think it’s another thing that sets us apart.)
Invite your friends to the RighBank community. Earn reward dollars for the future and help us grow a community of active and like-minded individuals that enjoy learning and engaging in mutually beneficial interactions.
What can I do with my cashback?
Very simple – any cashback is your money to do with as you wish.
Can I cash-out my “registration” $10 and award referral dollars when I invite friends to RightBank?
Of course, it’s your money. The fine print: there is a ‘hold’ period of three months upon becoming an active RightBank user. The same rule applies to referral rewards – awards become accessible after your referee has been a RightBank active user for three months.
What are RightBank Referrals and how is it different from others?
RightBank referrals provide you with ultimate simplicity and transparency regarding referrals to any business, service and customer experience. Share a word about your customer experience with your friends or in your social network and RightBank puts a check-mark on that event. It knows that you promoted business to some individuals as you share your RightBank referral code — and when the person accepts it. When a person you shared your code with uses a referred service or business, the system sees all 3 parties – and you get an immediate notification about the transaction with the referred reward cash amount being automatically deposited into your RightBank account.
Everything happens automatically and transparently, and is cheat-deterring. Other affiliate programs cannot provide such transparency, and they require all participants’ involvement in the communication process, which is difficult, impractical and often simply impossible to achieve.
An example: you recommend a car dealership to a friend that you had a great experience with. The dealership wants to reward anyone who brings a new client, and its incentive reward is $500. A couple of months later your friend buys a car there. Normally the problem is that the dealership knows nothing about your referral — plus your friend completely forgot who recommended this business. With RightBank Referrals, such a situation never happens, and you get your $500 reward for your referral once your friend makes the payment (as the system automatically detects that your code was used and activated).
There are dozens if not hundreds of traditional (“off-line”) businesses around you that you know and use regularly – barber shops, cleaners, appliance repairs, grocery stores, and others – which always welcome new customers. And, are willing to pay incentives for this effort. At the same time, there are many people around you who need these goods and services, and who are seeking your recommendation about the best one. You can give such a recommendation (and be rewarded for that), your friend gets a good service or a deal (maybe with a certain “first-time customer” discount), and the business gets a new happy and loyal-in-advance client. And all that happens in the RightBank ecosystem with practically no effort from any participant’s side. It is fully transparent and automated, works with any kind of business, traditional or online. All that combined together in a single communicational and financial ecosystem is our main differentiator.
Do you offer investment services?
RightBank plans to provide investment tools that enable you to actively grow your savings. We’re considering a few options, like auto-investments of your median daily account balances (~3% annual rate), saving/investment accounts (3% to 12%, riskier ones with higher interest), semi-self-directed investment options (you decide where and how to invest, and we do it on your behalf) as well as integration with third-party providers like Robinhood that enable you to invest any amount on your own. Ultimately, our goal is to help you generate extra savings faster so that you build an additional half a million dollars by the time you’re ready to retire.
I did the math. If I’m 35 and have 30 years before my retirement and saving $500 each month, it’s $180K, not $500K. How is that?
Through the magic of compound interest. We utilize a “compound investment growth” strategy to help you grow your savings at a higher rate rather than simply adding up the same fixed amount every month with no rate at all. You earn some amount on your $500 monthly contribution each month, then next month you have your (previous contribution + earned amount + new contribution) and earned amount on the entire sum in the brackets, and then the cycle keeps repeating itself. Eventually, your savings grow exponentially — not linearly. For example, with a 5% of Rate of Return you get $416K by the time of retirement
and with 7% the amount will be $609K
It is definitely hard to keep up a specific flat rate for many years in a row due to multiple reasons, and the rate may fluctuate between negative to an incredible 20%. However, in the long-term view averages are between 5% and 7%, and thus saving $500 monthly and growing it compoundly eventually results in ~$500K in 30-year prospective.
Will you have retail branches?
No, RightBank is a fully digital bank and all its features and transactions are accessed via the RightBank mobile application. The prime communication tool is RightBank chatbot which provides you with notifications, reminders, updates and will serve as your personal assistant for all your RightBank interactions. If the bot cannot provide you with the required information – you will be forwarded to RightBank’s call-center with live human operators.
How do I share my referral code? How does the referral work in general?
You can share your referral code with friends directly within the RightBank application. Sharing across email, SMS, or social media accounts with your link is fast and easy. When your referral code is accepted by someone, and that person makes a transaction with the referred business, you automatically get the reward in dollars as a transfer directly to your RightBank account.
Is my information secure?
Everything in our system is anonymized, so even we don’t know (and don’t want to know) your transaction details. This is called a zero-trust model and is becoming increasingly important to prevent online fraud and to protect customer privacy. RightBank by law knows who you are like your name, address and your RightBank user ID. However, transactions, like: payments, budget planning and referral cash rewards to your ID is masked. The reduction of personal identifiers minimizes the risk of personal data breaches to near zero. Completing ISO-27001 certification assures your data and information is always protected with end-to-end encryption at all times.
The next layer of protection is the dynamic funds’ allocation between your payment card account and main accounts. Funds to card account come only as needed and once the validity of the transaction is proven. As well, you receive notifications on your phone (in your RightBank app) about each purchase – without your confirmation no payment will happen. Any transaction that is out of the ordinary for you is immediately flagged as suspicious and you will be immediately notified to confirm it or reject.
Additionally, we apply advanced machine learning algorithms for continuous monitoring and risks assessment. Machine learning and related tools help monitor the validity of all transactions and all suspicious activities are marked and halted. At this level, 99.8% of problems are resolved.
If you invest on my behalf, do you guarantee the returns?
We partner with large investment organization: we pool together all funds from our users – these extra dollars that RightBank helped you save – into one portfolio and let the reputable professional investors drive the process. The market can go up or down, but eventually, they recover and continue to grow, and in the long-term perspective it historically makes 5% to 7% annually on average.
Do you provide lines of credit, mortgages and other financial lending products?
We envision making these options available in the future, but currently we are focused on delivering the features listed above. We are currently asking for feedback on which features most requested to best serve your needs.
Please visit our “NEXT” page for visibility on our ideas, potential offers as it’s the place to share your thoughts, ideas and needs in order to get them added to our To-do list.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_global id=”580″]