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Rho Savings spreads your deposits across a network of 400+ FDIC- and NCUA-insured institutions (as of August 2026) through an administered sweep program. That is how a single Rho Savings account can carry up to $75 million in FDIC insurance — coverage no one bank could provide on its own. How does the sweep work? FDIC insurance covers up to $250,000 per depositor, per insured bank. The sweep works with that rule rather than against it: You deposit funds into Rho Savings ($25,000 minimum). Transfers in come from your Rho Checking account. The program — administered by American Deposit Management (ADM) — allocates your funds across the network institutions in increments below the $250,000 per-bank FDIC limit. The underlying structure is an administered money market deposit account: your funds sit in deposit accounts at the network institutions, deployed and managed on your behalf. You see one account and one balance in your Rho dashboard. Allocation, rebalancing, and record-keeping are handled for you. Is my money really FDIC-insured past $250,000? Yes — because no single institution ever holds more than the insured limit. Compare what happens to $5 million: $5 million at one bank: $250,000 is FDIC-insured. The remaining $4,750,000 is not. $5 million in Rho Savings: the program spreads it across 20+ institutions, each holding less than $250,000. Every dollar sits under an FDIC limit. The same math extends all the way to $75 million. Does the $75 million cover Checking and Treasury too? No — coverage depends on where your funds sit in Rho, and only Savings uses the sweep. Account How it's protected Rho Checking FDIC-insured up to $250,000 through our partner bank, Webster Bank, a division of Santander Bank, N.A., Member FDIC Rho Savings Up to $75 million in FDIC insurance via the sweep across 400+ FDIC- and NCUA-insured institutions Rho Treasury Securities (U.S. Treasury Bills and money market funds), not bank deposits — SIPC-protected up to $500,000 (including $250,000 for cash) through our custodians. SIPC protects against custodial failure, not market loss Which banks hold my money? The FDIC- and NCUA-insured institutions in the sweep network. The current list of network institutions is available from Rho support on request. How do interest and transfers work? Interest accrues daily and is paid monthly, posted on the 5th business day of each month. If the 5th falls on a weekend or holiday, it posts the next business day. Your current APY is shown on the Savings page in your Rho dashboard. Transfers into Savings can only come from a Rho Checking account. Checking → Savings typically settles the same business day if created before 1 PM ET. Savings → Checking typically settles the next business day. There is no limit on transfers in. Transfers out are limited to six per month. Large balances, fully insured, no extra work on your side — that is the point of the sweep.

If you’re expecting a deposit or withdrawal that hasn’t appeared on the Rho Dashboard or the relevant Account page, check here for the estimated arrival time. If the awaited time has passed, you should contact a Rho Client Services Representative . When contacting Rho, please provide the following transaction details: The amount of the transaction in USD. The date and time when the transaction was initiated. The transaction type (for example, ACH, Check Deposit, Domestic or International Wire, Linked Account Transfer) The sender and recipient's name Was this a prescheduled or real-time transaction? Was this a one-time or recurring transaction? Transaction trace number

What is Rho Switch? Rho Switch helps you move your business banking from your previous bank to Rho. It identifies the accounts, vendors, payroll providers, customers, and other tools connected to your previous bank account, then guides you through updating them to your Rho account. Depending on the service, updates can be completed automatically or with step-by-step instructions. Most customers complete the full switch in under 15 minutes, and you can save your progress and return at any time. Choose what to switch Before you begin, Rho Switch builds a list of the accounts, vendors, payroll providers, customers, and other tools connected to your previous bank account. Review the list before continuing. You can remove anything you don't want to update, such as tools or vendors you no longer use. Your progress is saved automatically, so you can leave and return at any time. Rho switch moves the relationships, not just the money. Each item below: Fund your new Rho account : Rho recommends a funding amount based on the transaction history, designed to cover roughly one month of payroll and operating expenses so nothing is disrupted mid-switch. Move over how you get paid and who you pay : Items that support automation are marked with a lightning bolt ; Rho updates your banking details with that provider on your behalf. The first time you run one, you'll need to install the Rho Chrome extension. Note : For anything without automation, Rho gives you step-by-step instructions along with your Rho banking details, so you can copy and paste the correct information into the provider, vendor portal, or payroll system. Start a switch If your Rho account balance is $0, you'll be prompted to start the switch directly from your Homepage. If you have funds in the account, to start switching: Log in to your Rho account. Go to Banking → click the gear icon in the upper-right to access Account Settings . Scroll to the bottom of the page. Click Switch from another bank . You'll be taken to a page with your Rho account and routing numbers already filled in, so you can get started right away. Connect your previous bank account To build your switch list, connect the bank account you're switching from using one of these methods: Plaid : Securely connect your bank to analyze the last 120 days of account activity. Statement upload : Upload recent bank statements instead of connecting through Plaid. Rho Switch never stores your bank login or moves money on your behalf. What Rho detects We review the last 120 days of account activity to identify the accounts, vendors, payroll providers, customers, and other services connected to your bank account. This information is used to build your switch list and recommend an initial funding amount for your Rho account. Everything detected is pre-selected by default : review the list before continuing. Your recommended deposit is based on your recent transaction history. It's designed to leave approximately one month of payroll and operating expenses in your previous bank account while you complete the switch. You can use the suggested amount, choose a different amount, or add more funds later. Note: If you plan to set up Payments to Vendors with Rho vendor cards, set those up in Rho before you start the switch so everything sorts cleanly. How long does a switch take? Most customers complete the switching process in under 15 minutes. Automated updates typically take about 30 seconds each. Your progress is saved automatically, so you can leave and return whenever you need. Why isn't my payroll switch complete? Some payroll providers verify new bank accounts with micro-deposits before updating your payment information. Until that verification is complete, your payroll switch may remain in progress. Can I switch international vendors? At this time, Rho switch supports vendors that use a U.S. routing number and account number. If a vendor requires international banking details, such as a SWIFT code, BIC, or IBAN, you'll need to add that vendor directly in your Rho dashboard or contact Rho Client Services for assistance. Data and privacy Rho Switch is designed to collect only the information needed to complete your switch. Bank connections through Plaid never expose your login credentials. Account and routing numbers are stored as encrypted tokens. Data is hosted in the United States using SOC 2–audited providers and protected with encryption and multi-factor authentication. Switch data is deleted approximately 120 days after collection or when you disconnect your bank account. Need help? If you have questions about setting up or managing auto-transfer rules, contact Rho Client Service at clientservice@rho.co or call 855-743-8746 .

ACH debit authorizations are currently in beta . If you don't see this feature in your Rho account and would like access, contact Rho Client Services to request it. What are ACH debit authorizations? A debit happens when a company or person uses your account and routing numbers to pull money from your account. ACH Authorization lets you choose exactly which counterparties can debit your Rho checking accounts through ACH. You decide who can debit your accounts, from which accounts, and up to what amount, and you can set a default rule that automatically handles debits from counterparties you have not authorized. Who can use it Only Account Owners and Admins can set up and manage ACH Authorization. You will find it under Banking > All Accounts , on the Authorizations tab. Other users cannot see or change these settings. Adding, editing, or removing an authorization, and changing your default rule, is gated behind multi-factor authentication (MFA). How it works You do not need to build your list up front. The first time a counterparty tries to debit your account, Rho flags the debit and notifies you so you can decide whether to authorize them going forward. If you would rather set things up in advance, you can add counterparties to your list yourself at any time: Rho looks up the debit's ACH Company ID against your list. If the counterparty is on the list, authorized for that account, and the amount is within its limit, the debit goes through. If any of those checks fail, Rho flags the debit and holds it for review. Incoming ACH debit What Rho does The counterparty is authorized for this account and the amount is within the limit Allows the debit The counterparty is not on your list Flags the debit The counterparty is on your list but not authorized for this account Flags the debit The amount is over the counterparty's limit Flags the debit Note : An ACH Company ID is the identifier for the counterparty pulling money from your account. It can contain letters and numbers, for example SHOPIFYPMT . Rho matches debits by Company ID rather than counterparty name, because it is the most reliable identifier. To get it, request it from the counterparty directly or find it on a past ACH debit from them. When Rho flags a debit, it holds the debit for 8 hours and notifies Account Owners and Admins . During that window, you can approve or reject it. If no one approves or rejects it within 8 hours, Rho applies your default action for flagged debits. Where you will see flagged debits Rho surfaces a flagged debit in three places: The notification on the home page A warning banner on the All Accounts page, with a "Go to approvals" link. The debit appears on the Approvals page. The Approvals needed tile on the All Accounts page shows how many are waiting on you. Review and approve or reject a flagged debit Open the Approvals page from the notification, the All Accounts banner, or the Approvals needed tile. Find the flagged ACH debit. Rho shows the amount, the counterparty, and how much time you have left to decide. Choose Approve or Reject. When you approve, you can also: Turn on Authorize counterparty for future debits to add the counterparty to your list, so their future debits are allowed automatically. Turn on Set a transaction limit to cap how much this counterparty can pull. Approving lets the current debit complete. Rejecting returns the debit to the sender. Set your default action for flagged debits Your default action decides what happens to a flagged debit if no one approves or rejects it within the 8-hour window. Go to Banking, then All Accounts, then the Authorizations tab. Next to Flagged debits , select the edit icon. Under Set flagged debit rule , choose Automatically approve or Automatically reject. Select Save . New accounts start on Automatically approve. Changing this rule requires MFA verification. Adding an ACH authorization Go to Banking, then All Accounts, then the Authorizations tab, and select Add authorization . Enter the counterparty. If it is not already saved, add it by name. Enter the counterparty's ACH Company ID. If the counterparty uses more than one Company ID, add each one. Under Authorized Rho accounts , select the checking accounts this counterparty can debit. To cap how much the counterparty can pull, turn on Transaction limit and enter an amount. If you leave it off, the counterparty can pull any amount from the selected accounts. Select Continue, review the details, and select Authorize. Complete identity verification to finish. You can find an ACH Company ID on a past ACH debit from that counterparty, or ask the counterparty for it. Note: Your default action decides what happens to debits from counterparties you have not authorized. If you set it to Automatically reject, any debit from an unlisted counterparty that you do not approve within 8 hours is returned. Add your known counterparties first so their debits are not held. If a debit is returned When a debit is rejected, either because you rejected it or because your default action returned it, Rho sends an email to Account Owners and Admins. The email includes the counterparty, the ACH Company ID, the account, the amount, the date, and the reason the debit was returned. Rho cannot bring back a debit that was already returned. Good to know Rho matches debits by ACH Company ID, not by counterparty name. A counterparty's name can appear differently across debits, so the Company ID decides the match. An ACH Company ID can contain letters and numbers. Rho cannot confirm the ID belongs to that counterparty until a matching debit arrives. One ACH Company ID can be used by more than one counterparty, because some counterparties pull money through the same payment processor. If you authorize a counterparty that uses a shared ID, other counterparties that use the same ID may also be allowed. Some counterparties use more than one ACH Company ID. To allow all of their debits, add every ID they use. Need help? If you have questions about setting up or managing auto-transfer rules, contact Rho Client Service at clientservice@rho.co or call 855-743-8746 .

To view your account information, such as your business details, and manage your linked bank accounts and payment settings, click on the Settings tab in the navigation bar. Settings page The settings page includes the following sections: Business Business Details - Here you can locate your contact information and mailing address. External Bank Accounts - Lists the external business and bank accounts linked to your Rho account. All external accounts are linked using Plaid, Mastercard Data Connect, and Stripe Financial Connections. For information about linking an external account, see How can I link a business account to my Rho account? Credit Information - Displays your Rho credit information and settings for Automatic Payments. To adjust your credit agreement, please contact your Account Manager Business Documents - Submit important documents related to your business account. Partner Requests - View and manage connections with your partners. Documents Payment Instructions Account Statements Security Two-Factor Authentication Card Restrictions Payment Approvals - This section shows the transfer threshold amount, the number of approvers required for transfers that exceed the threshold, and the designated approvers for your company. For information about editing your payment settings, see How can I require approval for specific transactions? SSO - Configure single sign-on settings for your account. Expense Settings Expense Rules Expense Approvals Reimbursements Policies Configuration Bill Pay Setup Vendor Messaging Custom Attributes Treasury Auto-Transfer Rules Treasury Reinvestments

To see details for a specific transaction, click on the transaction in the Banking Tab . The Transaction Details window will open on the right side of your screen, allowing you to view details about the transactions, add notes and receipts , and split transactions . The Transaction heading lists the amount of money involved in the transaction as well as the non-Rho account that sent or received the money. Additionally, the following details are provided when applicable: Transaction Details Attachment: Allows you to view or add an attachment to your transaction. For more information about adding an invoice, see How do I add an invoice or receipt to a transaction? Status: The status of the transaction will display one of the following: Awaiting Approval Cancelled Transaction Pending Transaction Queued Transaction Settled Transaction Additionally, the status history for the transaction is displayed, which lists the transaction statuses and the associated transaction dates. Created: The date when the transaction was first posted to the Rho Account. Closed On: The date when the transaction was settled. Account Number: Displays the last four digits of the account number for WIRE-DOM and ACH-US transactions. Click to reveal the entire account number. Routing Number: Displays the last four digits of the bank routing number for WIRE-DOM and ACH-US transactions. Click to reveal the entire account number. Type - The type of transaction that took place: ACH-US - A domestic transaction via ACH. CHECK - A physical check transaction generated by Rho. EXTERNAL - An external, non-RDC transaction to your Rho account. INTERNAL - An internal transaction from one Rho account to another. RDC - A remote deposit check capture transaction. WIRE-DOM - A domestic wire transaction. WIRE-INT - An international wire (SWIFT) and foreign exchange transaction. Transaction ID: The ID assigned to the transaction. Rho Attributes Department: The department assigned to the transaction. Users with admin privileges can add/update the assigned department by clicking the drop-down list and selecting the desired department. Label: The label assigned to the transaction. Users with admin privileges can add/update label(s) to the transaction by clicking the Add Label button and selecting the desired labels. Note: View or edit the note associated with the transaction. Memo: View any memo associated with the transaction. Download Transaction Details Click the Download button to download a PDF file containing the transaction details that you can print. Rho downloads the PDF file to the downloads folder for the browser. Related Topics How do I add an invoice or receipt to a transaction How do I split a transaction between multiple budgets?

The Rho Banking tab, under All Accounts , provides a consolidated view of your account activity and key fund movement statuses. It displays the following information for your Rho accounts: Balance: All funds currently available across your Rho accounts, including the portfolio balance of your Treasury account (does not include any pending transfers). Pending out : All outgoing funds that are currently in the Pending state. Approvals needed : All transactions that are awaiting approval before they can be initiated and move into a Pending state. Scheduled transactions : All transactions that have been set up to be sent on a future date. To view transactions for a specific account, select it from the list on the left-hand side. Once you select the desired account, the summary boxes at the top will provide visibility into the following: Available balance : The amount of money in your account that you can use today, does not include pending transfers. Current balance : The total amount of money in your account, including pending transfers. Pending out : The total amount of money that is currently in the process of leaving your account. Clicking on a single transaction opens the Transaction Details window. Transaction table columns The transaction tables display the following columns: Date: The calendar date when the transaction was posted to the Rho Business Account. Amount: The amount of money deposited or withdrawn from the account. Sender: The organization or account that is the source/payer for the transaction. Recipient: The organization or account that is the destination/vendor for the transaction. Type: The type of transaction that took place: ACH-US - A domestic transaction via ACH. CHECK - A physical check transaction generated by Rho. INTERNAL - An internal transaction from one Rho account to another. RDC - A remote deposit check capture transaction. WIRE-DOM - A domestic wire transaction. WIRE-INT - An international wire (SWIFT) and foreign exchange transaction. User: The Rho user or automated function that initiated the transaction. Department: The budget assigned to the transaction. Status: The status of the transaction: A - Awaiting Approval C - Canceled Transaction P - Pending Transaction Q - Queued Transaction R - Rejected Transaction S - Settled Transaction Related Topics Transaction Details What do I do if a transaction is not displayed?

You can easily view your accrued Rho cash rewards in your Rewards Account in your Rho Banking tab. With our Rewards account, you gain complete visibility into your available rewards balance, your cashback rate, and the rewards so far redeemed. You can also quickly redeem your rewards or manage your cashback rate directly in your Rewards Account. Rho Reward Accruals: Enjoy frictionless Cashback with Rho. No complicated points scheme, no convoluted redemption. Just cash rewards that are automatically yours when you make a repayment on your Rho Card. Earn cashback on card spend with your Rho Card. Accrued Cashback for the Rho Card with Monthly Terms is automatically deposited into your Rewards Account, typically 6 business days following full repayment of the statement balance. Accrued Cashback for the Rho Card with Daily Terms is automatically deposited into your Rewards Account, typically on the 6th business day of the month, for card spend during the preceding month. To redeem your cashback rewards, simply transfer a specified dollar amount or the full reward balance from your Rewards Account into your Primary Operating Account. Rewards are earned only on settled transactions. Please note: Late payments do not earn rewards for transactions during that statement period. However, your next statement transactions will earn rewards when you make that repayment on time. In the case of refunds, returns, disputes, fraud, or other transaction reversals, rewards will be deducted from the accrued rewards in the following periods to net out the difference.