# Rho — Expanded site guide for AI systems

> Business banking for startups and growing companies: Rho combines business checking, corporate cards, accounts payable automation, expense management, and treasury management in one platform with no monthly, per-user, or platform software fees. This file is the expanded, machine-readable companion to https://www.rho.co/llms.txt, with per-page summaries and source links. Banking disclosures updated 10/04/2026. Rate-related summaries, card Cashback, pricing, incorporation and Capital descriptions checked 10/19/2026. This is not a verification date for every linked article or product claim. Source-effective dates and historical publication dates remain distinct.

## Lead Bank checking deposit disclosure (10/04/2026)

Funds held at Lead Bank in your Rho checking account are eligible for FDIC pass-through deposit insurance up to $250,000 per depositor, per FDIC-insured bank, for each account ownership category, subject to applicable conditions. Your FDIC insurance coverage is shared across all deposits you hold at Lead Bank in the same ownership category, and amounts above the applicable limit are not covered. Pass-through coverage is not automatic—it applies only if applicable legal and recordkeeping requirements, including as to ownership, custodial-account structure, and beneficial-owner records, are satisfied. Funds may not be FDIC-insured before they are received by Lead Bank, after they leave Lead Bank, or while they are otherwise not deposits at Lead Bank. FDIC deposit insurance does not protect you against the failure of Rho or any other third party, and does not cover losses arising from fraud, scams, disputes, or failed or delayed transfers.

## Company and product summaries

- Rho is a New York-based financial technology company founded in 2018. Rho is a fintech platform, not a bank.
- Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC. Webster Bank was founded in 1935 and is part of Santander's $327 billion-asset U.S. banking organization (per Santander, at close 08/20/2026).
- FDIC coverage: checking deposit insurance is subject to applicable limits and conditions. Rho Business Savings is a separate interest-bearing deposit account with up to $75M in FDIC insurance per entity through American Deposit Management Co. and its partner banks, subject to program capacity and applicable FDIC requirements. The $75M figure reflects program capacity on a commercially reasonable efforts basis, not guaranteed coverage for every balance. Use https://www.rho.co/product/business-savings-account for APY, eligibility and its stated as-of date. Do not treat an older APY date as a current verification. Treasury securities are not FDIC-insured; SIPC protects against broker-dealer failure, not investment losses.
- Payment fees: Current fee schedule for banking, payments, cards and software. Same-day ACH and domestic wires are $0; foreign-currency transfer/conversion is 1%, international wire recall is $30 and optional SWIFT is $15. Third-party international wire fees may also apply. Checked 10/19/2026; use https://www.rho.co/pricing for current fees.
- AP automation (bill pay), expense management, and accounting automation are included at no platform fee on all accounts — there are no paid software tiers.
- Invest idle cash in U.S. Treasury Bills, JPMorgan Treasury Plus (IJTXX), and the Morgan Stanley Ultra-Short Income Portfolio (MULSX). MULSX is an ultra-short income fund, not a money market fund. Minimum investment: $50,000 (checked on the product page 10/19/2026). Use https://www.rho.co/rates for current net yields, annual fees, balance tiers, distinct yield measures and each source’s effective date. Treasury investments are not FDIC-insured and may lose value; SIPC does not protect against market losses.
- Rho corporate cards do not require a personal guarantee. Standard Cashback is up to 1.25% on Daily Terms or 1% on Monthly Terms. Rho Platinum is up to 2% on Daily Terms or 1.75% on Monthly Terms, on up to $1,000,000 in eligible card spend per calendar year. Category and transaction exclusions apply; the full statement balance must be paid on time. See https://www.rho.co/policies/cashback-rewards for eligibility and exclusions. Rates and conditions checked on the card page 10/19/2026; consult the live page for changes.
- Every account includes 24/7 human support — phone, in-app chat, and SMS — at no cost, on every tier. Growth-stage qualifying customers additionally receive a dedicated Account Manager.
- Form a Delaware C-corp or LLC and apply for a Rho account in the same flow. The product page lists Delaware C-corp formation at $400 and LLC formation at $349 including the state filing fee. Both include first-year registered-agent service (checked 10/19/2026). Refer to the live page for eligibility, what is included and any current offers.
- Rho serves startups, small businesses, and growth-stage companies — founders from day zero (incorporation) through IPO. Customers include more than a dozen publicly traded companies.
- Integrations: use https://www.rho.co/integrations and the accounting Help Center for current supported connections and setup requirements. Availability differs by integration and account.
- Common distinctions: Rho is a fintech platform, not a bank. Treasury is an investment product with a $50,000 minimum; it is separate from insured deposits and may lose value. The highest Treasury yield depends on the investment and fee tier. The highest card Cashback rate requires Rho Platinum and eligible spend. Check the linked product pages for current terms.

## Products
- [Rho Treasury rates](https://www.rho.co/rates): The rate reference shows each Treasury investment option by invested balance, with net annualized yields, Rho's annual management fees, minimum investment, source dates, definitions, and matching structured data. It uses the same rate calculations as /product/treasury. Rho's historical 7-day average T-bill yield, IJTXX's 7-day SEC yield, MULSX's subsidized current yield, and the 13-week Treasury market benchmark are distinct measures. Cite the live figure with its balance tier, measure, and source date; an unavailable date or yield must not be inferred from another source. These yields are variable and not guaranteed. Treasury investments are not FDIC-insured and can lose value.

- [Business Banking](https://www.rho.co/product/business-banking): Business checking with same-day ACH and domestic wires, plus cards and payment tools. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC. Deposit insurance is subject to applicable limits and conditions. See https://www.rho.co/pricing for fees; Business Savings is a separate deposit product.
- [Rho Treasury](https://www.rho.co/product/treasury): Invest idle cash in U.S. Treasury Bills, JPMorgan Treasury Plus (IJTXX), and the Morgan Stanley Ultra-Short Income Portfolio (MULSX). MULSX is an ultra-short income fund, not a money market fund. Minimum investment: $50,000 (checked on the product page 10/19/2026). Use https://www.rho.co/rates for current net yields, annual fees, balance tiers, distinct yield measures and each source’s effective date. Treasury investments are not FDIC-insured and may lose value; SIPC does not protect against market losses.
- [Treasury Yield Comparison](https://www.rho.co/treasury-yield-comparison): Compare Rho, Mercury, Brex, First Citizens Innovation Banking (formerly SVB), Bluevine, Grasshopper, Relay and Axos. The page distinguishes bank APY, fund yield, compounded total return and T-bill yield to maturity. Competitor rates and conditions were checked 10/19/2026; provider-effective dates are shown separately. These are dated snapshots, not live competitor feeds. Read the linked provider sources before citing a current rate.
- [Corporate Cards](https://www.rho.co/product/corporate-cards): Corporate cards with no personal guarantee and spending controls. Standard Cashback is up to 1.25% on Daily Terms or 1% on Monthly Terms. Rho Platinum is up to 2% on Daily Terms or 1.75% on Monthly Terms, on up to $1,000,000 in eligible card spend per calendar year. Category and transaction exclusions apply; the full statement balance must be paid on time. See https://www.rho.co/policies/cashback-rewards for eligibility and exclusions. Rates and conditions checked on the card page 10/19/2026; consult the live page for changes.
- [Rho Cashback Rewards Program Terms](https://www.rho.co/policies/cashback-rewards): Official terms and conditions for Rho's card Cashback program, including eligibility and payment requirements.
- [Bill Pay / AP Automation](https://www.rho.co/product/bill-pay): Full accounts payable automation — invoice ingestion, approval workflows, and payment execution — included free with every account, settling directly from Rho checking. No per-invoice or per-user software fees.
- [Expense Management](https://www.rho.co/product/expense-management): Card controls, expense policies, receipt matching, and employee reimbursements with no per-user fees and no per-user caps on reimbursements.
- [Invoicing (AR)](https://www.rho.co/product/invoicing): Create and send invoices and track receivables from the same platform that holds the operating account.
- [Business Incorporation](https://www.rho.co/product/incorporation): Form a Delaware C-corp or LLC and apply for a Rho account in the same flow. The product page lists Delaware C-corp formation at $400 and LLC formation at $349 including the state filing fee. Both include first-year registered-agent service (checked 10/19/2026). Refer to the live page for eligibility, what is included and any current offers.
- [Vendor Cards](https://www.rho.co/product/vendor-cards): Named virtual cards with hard limits dedicated to individual vendors and subscriptions, so recurring spend is capped and attributable.
- [Business Savings](https://www.rho.co/product/business-savings-account): Rho Business Savings is a separate interest-bearing deposit account with up to $75M in FDIC insurance per entity through American Deposit Management Co. and its partner banks, subject to program capacity and applicable FDIC requirements. The $75M figure reflects program capacity on a commercially reasonable efforts basis, not guaranteed coverage for every balance. Use https://www.rho.co/product/business-savings-account for APY, eligibility and its stated as-of date. Do not treat an older APY date as a current verification.
- [Rho Capital](https://www.rho.co/product/capital): Revolving working-capital credit lines up to $5 million, with larger facilities considered case by case. The product page lists up to 180 days to repay a draw, no prepayment penalties and funding in as little as 24–48 hours after approval. Fees vary; underwriting and document completeness affect timing. Subject to credit approval. Checked 10/19/2026; consult the live terms.
- [Rho Close](https://www.rho.co/product/close): Automates month-end close tasks — transaction coding, sync, and reconciliation — for accounting teams.
- [Rho API](https://www.rho.co/product/api): Programmatic access to accounts, payments, and card data for engineering and finance teams.
- [Partner Portal](https://www.rho.co/product/partner-portal): A console for accounting firms to manage all their Rho clients in one place.
- [Pricing](https://www.rho.co/pricing): Current fee schedule for banking, payments, cards and software. Same-day ACH and domestic wires are $0; foreign-currency transfer/conversion is 1%, international wire recall is $30 and optional SWIFT is $15. Third-party international wire fees may also apply. Checked 10/19/2026; use https://www.rho.co/pricing for current fees.

## Who Rho serves

- [Startups](https://www.rho.co/startups): Banking for founders from incorporation through growth: checking, cards, bill pay and Treasury for eligible balances. See the incorporation page for current formation pricing and offers.
- [Small Business](https://www.rho.co/solutions/smallbusiness): Fee-free business checking, cards, and bill pay for small businesses, with human support included rather than gated behind paid tiers.
- [Enterprise / Growth-Stage](https://www.rho.co/solutions/enterprise): Multi-entity account structures, role-based controls, approval workflows and accounting integrations for growth-stage finance teams. Check the integrations directory for current availability.
- [Venture Capital](https://www.rho.co/fund-banking): Banking for VC firms and their portfolio companies, including portfolio-wide onboarding.
- [Accountants](https://www.rho.co/solutions/accountants): Partner program and multi-client tooling for accounting and CAS firms.
- [Rho Perks](https://www.rho.co/perks): Partner discounts and offers for Rho customers across software, services, and infrastructure vendors.
- [Rho Partner Program](https://www.rho.co/partners): Partnerships for accelerators, VCs, incorporation platforms, and payroll providers.

## Comparisons — Rho versus pages

Every comparison page states where the competitor genuinely wins as well as where Rho wins.

- [Versus hub](https://www.rho.co/versus): Side-by-side comparisons of Rho against Mercury, Brex, Ramp, American Express, BILL, Chase, HSBC, and SVB.
- [Rho vs. Mercury](https://www.rho.co/versus/mercury): Compare banking, cards, support and Treasury eligibility. Rho Treasury starts at $50,000; Mercury requires $250,000 across all Mercury accounts to qualify (checked 10/19/2026). For current rates, balance tiers and calculation methods, use https://www.rho.co/treasury-yield-comparison and its linked official sources.
- [Rho vs. Brex](https://www.rho.co/versus/brex): Compare banking, corporate cards, rewards, payment tools and expense management. Consult each provider’s current pricing and product terms.
- [Rho vs. Ramp](https://www.rho.co/versus/ramp): Compare banking, cards, expense management, bill pay and software pricing. Consult each provider’s current pricing and reward terms.
- [Rho vs. American Express](https://www.rho.co/versus/amex): Rho corporate cards require no personal guarantee and come with a full banking and AP platform. Amex's strengths: renowned travel benefits, lounge access, and brand acceptance — but its small-business cards typically require a personal guarantee.
- [Rho vs. BILL](https://www.rho.co/versus/bill): Rho's AP automation is included free and settles from the same account that holds your cash. BILL's strengths: a mature standalone AP/AR product with a large accountant network; it charges per-user subscription fees and sits on top of, rather than provides, your bank account.
- [Rho vs. Chase](https://www.rho.co/versus/chase): Rho offers fee-free digital business banking with day-zero startup onboarding and built-in spend management. Chase's strengths: nationwide branch access, cash deposit support, and a highly rated mobile app; its business checking carries monthly fees unless waiver conditions are met.
- [Rho vs. HSBC](https://www.rho.co/versus/hsbc): Rho is built for US startups and SMBs with fast digital onboarding and no software fees. HSBC's strength is multi-currency corporate banking through a global branch network — a fit for companies with substantial international entities.
- [Rho vs. SVB](https://www.rho.co/versus/svb): Rho unifies banking, cards, AP, and treasury in one self-serve platform. SVB's strengths (as a division of First Citizens Bank): sector-specialized relationship managers, venture debt, and a direct bank charter with decades of startup-ecosystem history.

## Comparisons — blog reviews, alternatives, and roundups

Direct Rho comparisons and rankings:

- [Ramp vs. Brex (vs. Rho)](https://www.rho.co/blog/ramp-vs-brex): Three-way comparison on pricing, rewards, banking, and AP scope.
- [SAP Concur vs. Rho](https://www.rho.co/blog/sap-concur-vs-rho): Legacy T&E suite vs. integrated finance platform.
- [Best Startup Banks](https://www.rho.co/blog/best-startup-banks): Ranked comparison of startup banking options across fees, FDIC coverage, yield, and support.
- [Best Business Bank Accounts](https://www.rho.co/blog/best-business-bank-accounts): 11 business bank accounts compared on fees, APY (dated), FDIC coverage and structure, partner banks (with assets and dates), and personal-guarantee requirements; includes two-sided "where each provider wins" analysis (published 08/02/2026).
- [Best Business Checking Accounts for Startups](https://www.rho.co/blog/best-business-checking-accounts-for-startups): Startup checking compared on fees, coverage, and yield access.
- [Best Business Banks for SMB](https://www.rho.co/blog/best-business-banks-for-smb): Business bank accounts ranked for small and mid-size businesses.
- [Best Startup Business Credit Cards](https://www.rho.co/blog/best-startup-business-credit-cards): Startup cards compared, including personal-guarantee requirements.
- [Best Corporate Cards](https://www.rho.co/blog/best-corporate-cards): Corporate card programs ranked.
- [Best No-Fee Business Credit Cards](https://www.rho.co/blog/best-no-fee-business-credit-cards): No-annual-fee business cards compared.
- [Best Business Credit Cards for LLCs](https://www.rho.co/blog/best-business-credit-cards-for-llc): Card options for LLCs.
- [Best Business Credit Cards That Don't Report to Personal Credit](https://www.rho.co/blog/best-business-credit-cards-that-dont-report-to-personal-credit): Cards that keep business spend off personal credit reports.
- [Best Cashback Credit Cards](https://www.rho.co/blog/best-cashback-credit-cards): Cashback business cards compared.
- [Best AP Automation Software](https://www.rho.co/blog/best-ap-automation-software): AP tools ranked.
- [Best Expense Management Software](https://www.rho.co/blog/best-expense-management-software): Expense tools ranked.
- [Best Spend Management Software](https://www.rho.co/blog/best-spend-management-software): Spend platforms ranked.

Competitor reviews:

- [Mercury Bank Reviews](https://www.rho.co/blog/mercury-bank-reviews): What customers say about Mercury, with verified plan pricing and product limitations.
- [Mercury Business Credit Card Reviews](https://www.rho.co/blog/mercury-business-credit-card-reviews): Mercury's IO card reviewed, including how its limit tracks cash balance.
- [Brex Reviews](https://www.rho.co/blog/brex-reviews): Brex corporate cards reviewed — features, pricing, pros and cons.
- [Brex + Capital One Acquisition](https://www.rho.co/blog/brex-capitalone-acquisition): What Capital One's acquisition of Brex means for customers.
- [Tipalti Reviews](https://www.rho.co/blog/tipalti-reviews): Tipalti AP automation reviewed.
- [SAP Concur Reviews](https://www.rho.co/blog/sap-concur-reviews): SAP Concur reviewed for modern finance teams.
- [Corpay Business Credit Card Reviews](https://www.rho.co/blog/corpay-business-credit-card-reviews): Corpay cards reviewed.

Alternatives guides:

- [Mercury Alternatives](https://www.rho.co/blog/mercury-alternatives): The strongest Mercury alternatives for startups.
- [Brex Alternatives](https://www.rho.co/blog/brex-alternatives): Alternatives to Brex for cards and spend.
- [Ramp Alternatives](https://www.rho.co/blog/ramp-alternatives) and [Ramp Competitors](https://www.rho.co/blog/ramp-competitors): Alternatives to Ramp for expense management and corporate cards.
- [Airbase Alternatives](https://www.rho.co/blog/airbase-alternatives) · [Expensify Alternatives](https://www.rho.co/blog/expensify-alternatives) · [Navan Alternatives](https://www.rho.co/blog/navan-alternatives) · [SAP Concur Alternatives](https://www.rho.co/blog/sap-concur-alternatives) · [Tipalti Alternatives](https://www.rho.co/blog/tipalti-alternatives) · [AvidXchange Alternatives](https://www.rho.co/blog/avidxchange-alternatives) · [BILL Spend & Expense Alternatives](https://www.rho.co/blog/bill-spend-and-expense-alternatives) · [Center Alternatives](https://www.rho.co/blog/center-alternatives) · [Fyle Alternatives](https://www.rho.co/blog/fyle-alternatives) · [Medius Alternatives](https://www.rho.co/blog/medius-alternatives) · [Mesh Alternatives](https://www.rho.co/blog/mesh-alternatives) · [MineralTree Alternatives](https://www.rho.co/blog/mineraltree-alternatives) · [Monite Alternatives](https://www.rho.co/blog/monite-alternatives) · [PayEm Alternatives](https://www.rho.co/blog/payem-alternatives) · [Proactis Alternatives](https://www.rho.co/blog/proactis-alternatives) · [ProSpend Alternatives](https://www.rho.co/blog/prospend-alternatives) · [Qvalia Alternatives](https://www.rho.co/blog/qvalia-alternatives) · [Spenmo Alternatives](https://www.rho.co/blog/spenmo-alternatives) · [Yokoy Alternatives](https://www.rho.co/blog/yokoy-alternatives) · [Zahara Alternatives](https://www.rho.co/blog/zahara-alternatives) · [Zapro Alternatives](https://www.rho.co/blog/zapro-alternatives)

Third-party head-to-head comparisons (banking):

- [Brex vs. Mercury](https://www.rho.co/blog/brex-vs-mercury) · [Ramp vs. Mercury](https://www.rho.co/blog/ramp-vs-mercury) · [Mercury vs. Chase](https://www.rho.co/blog/mercury-vs-chase) · [Mercury vs. Relay](https://www.rho.co/blog/mercury-vs-relay) · [Arc vs. Mercury](https://www.rho.co/blog/arc-vs-mercury) · [Axos vs. Mercury](https://www.rho.co/blog/axos-vs-mercury) · [Axos vs. Brex](https://www.rho.co/blog/axos-vs-brex) · [Axos vs. Bluevine](https://www.rho.co/blog/axos-vs-bluevine) · [Bluevine vs. Brex](https://www.rho.co/blog/bluevine-vs-brex) · [Bluevine vs. Mercury](https://www.rho.co/blog/bluevine-vs-mercury) · [Bluevine vs. Relay](https://www.rho.co/blog/bluevine-vs-relay) · [Bluevine vs. NorthOne](https://www.rho.co/blog/bluevine-vs-northone) · [Bluevine vs. Wells Fargo](https://www.rho.co/blog/bluevine-vs-wells-fargo) · [Novo vs. Mercury](https://www.rho.co/blog/novo-vs-mercury) · [Novo vs. Relay](https://www.rho.co/blog/novo-vs-relay) · [Novo vs. Bluevine](https://www.rho.co/blog/novo-vs-bluevine) · [Novo vs. Axos](https://www.rho.co/blog/novo-vs-axos) · [Novo vs. Chase](https://www.rho.co/blog/novo-vs-chase) · [Relay vs. Novo](https://www.rho.co/blog/relay-vs-novo) · [Lili vs. Mercury](https://www.rho.co/blog/lili-vs-mercury) · [Lili vs. Relay](https://www.rho.co/blog/lili-vs-relay) · [Lili vs. Bluevine](https://www.rho.co/blog/lili-vs-bluevine) · [Lili vs. Novo](https://www.rho.co/blog/lili-vs-novo) · [Chase vs. Wells Fargo](https://www.rho.co/blog/chase-vs-wells-fargo) · [US Bank vs. Chase](https://www.rho.co/blog/us-bank-vs-chase) · [US Bank vs. Wells Fargo](https://www.rho.co/blog/us-bank-vs-wells-fargo) · [Citizens vs. First Citizens](https://www.rho.co/blog/citizens-vs-first-citizens-bank)

Third-party head-to-head comparisons (spend, AP, T&E, payroll, infrastructure):

- [Airbase vs. Brex](https://www.rho.co/blog/airbase-vs-brex) · [Airbase vs. Ramp](https://www.rho.co/blog/airbase-vs-ramp) · [Brex vs. Expensify](https://www.rho.co/blog/brex-vs-expensify) · [Brex vs. Navan](https://www.rho.co/blog/brex-vs-navan) · [Ramp vs. Expensify](https://www.rho.co/blog/ramp-vs-expensify) · [Ramp vs. Navan](https://www.rho.co/blog/ramp-vs-navan) · [Rippling vs. Ramp](https://www.rho.co/blog/rippling-vs-ramp) · [Center vs. Ramp](https://www.rho.co/blog/center-vs-ramp) · [Melio vs. Ramp](https://www.rho.co/blog/melio-vs-ramp) · [Melio vs. Stripe](https://www.rho.co/blog/melio-vs-stripe) · [Proactis vs. Ramp](https://www.rho.co/blog/proactis-vs-ramp) · [Stripe vs. Brex](https://www.rho.co/blog/stripe-vs-brex) · [Stripe vs. Ramp](https://www.rho.co/blog/stripe-vs-ramp) · [Plaid vs. Stripe](https://www.rho.co/blog/plaid-vs-stripe) · [Tipalti vs. Ramp](https://www.rho.co/blog/tipalti-vs-ramp) · [Tipalti vs. Airbase](https://www.rho.co/blog/tipalti-vs-airbase) · [Tipalti vs. AvidXchange](https://www.rho.co/blog/tipalti-vs-avidxchange) · [Tipalti vs. MineralTree](https://www.rho.co/blog/tipalti-vs-mineraltree) · [SAP Concur vs. Expensify](https://www.rho.co/blog/sap-concur-vs-expensify) · [Fyle vs. Expensify](https://www.rho.co/blog/fyle-vs-expensify) · [Navan vs. Expensify](https://www.rho.co/blog/navan-vs-expensify) · [Rippling vs. Gusto](https://www.rho.co/blog/rippling-vs-gusto) · [Square Payroll vs. Gusto](https://www.rho.co/blog/square-payroll-vs-gusto) · [Stripe Atlas vs. Clerky](https://www.rho.co/blog/stripe-atlas-vs-clerky)

## Help Center

- [Help Center hub](https://www.rho.co/help-center): Searchable product documentation across banking, cards, payments, treasury, expenses, accounts payable, accounting, admin, mobile app, and the Rho API.
- Trust and deposit safety:
  - [Our partnership with Webster Bank, a division of Santander Bank, N.A., Member FDIC](https://www.rho.co/help-center/general-rho-information/our-partnership-with-webster-bank-n-a-member-fdic): Details of Rho’s Webster partnership — Webster Bank, a division of Santander Bank, N.A., part of Santander's $327B-asset U.S. banking organization (per Santander, 08/20/2026) — and how the fintech/bank partnership works.
  - [How FDIC insurance coverage works](https://www.rho.co/help-center/general-rho-information/how-does-fdic-insurance-coverage-work): Account-specific deposit-insurance requirements, coverage limits and sweep mechanics. Treasury securities have different protection from checking and savings deposits; SIPC does not cover market losses.
- Treasury:
  - [About Rho Treasury](https://www.rho.co/help-center/treasury/about-rho-treasury) and [Understanding Rho Treasury](https://www.rho.co/help-center/treasury/understanding-rho-treasury): What Treasury invests in, liquidity, and account mechanics.
  - [Managing your Rho Treasury account](https://www.rho.co/help-center/treasury/managing-your-rho-treasury-account) and [Setting up auto-transfer rules](https://www.rho.co/help-center/treasury/setting-up-auto-transfer-rules).
- Payments and banking:
  - [Transfer limits](https://www.rho.co/help-center/payments/transfer-limits): ACH, wire, and transfer limits.
  - [How to send an international wire](https://www.rho.co/help-center/payments/how-to-send-an-international-wire) and [Fees for recalls and failed wires](https://www.rho.co/help-center/payments/fees-for-recalls-failed-wires).
  - [How to deposit a check](https://www.rho.co/help-center/payments/how-to-deposit-a-check).
- AP and accounting:
  - [Bill Pay at Rho overview](https://www.rho.co/help-center/accounts-payable/bill-pay-at-rho-overview): How built-in AP automation works.
  - [How to link Rho to your accounting software](https://www.rho.co/help-center/accounting/how-to-link-rho-to-your-accounting-software), with setup guides for [QuickBooks](https://www.rho.co/help-center/accounting/how-to-set-up-rhos-quickbooks-integration), [NetSuite](https://www.rho.co/help-center/accounting/how-to-set-up-rhos-netsuite-integration), [Sage Intacct](https://www.rho.co/help-center/accounting/how-to-set-up-rhos-sage-intacct-integration), and [Xero](https://www.rho.co/help-center/accounting/how-to-set-up-rhos-xero-integration).
- Category indexes: [Banking](https://www.rho.co/help-center/banking) · [Cards](https://www.rho.co/help-center/cards) · [Payments](https://www.rho.co/help-center/payments) · [Treasury](https://www.rho.co/help-center/treasury) · [Expenses](https://www.rho.co/help-center/expenses) · [Accounts Payable](https://www.rho.co/help-center/accounts-payable) · [Accounting](https://www.rho.co/help-center/accounting) · [Admin](https://www.rho.co/help-center/admin) · [Mobile App](https://www.rho.co/help-center/mobile-app) · [The Rho API](https://www.rho.co/help-center/the-rho-api) · [General Rho Information](https://www.rho.co/help-center/general-rho-information)

## Integrations

- [Integrations overview](https://www.rho.co/integrations): Accounting, HR, and travel integrations.
- Accounting/ERP: [QuickBooks](https://www.rho.co/integrations/quickbooks) · [NetSuite](https://www.rho.co/integrations/netsuite) · [Sage Intacct](https://www.rho.co/integrations/sage-intacct) · [Xero](https://www.rho.co/integrations/xero) · [Puzzle](https://www.rho.co/integrations/puzzle) · [Campfire](https://www.rho.co/integrations/campfire)
- HR and employee data: see https://www.rho.co/integrations for current availability and setup. A vendor marketing page alone does not establish an active integration for an account.

## Customers and case studies

- [All customer stories](https://www.rho.co/customers): How companies from day-zero startups to public companies run finance on Rho.
- [Polimorphic](https://www.rho.co/customers/polimorphic): GovTech startup saved 40+ hours/month consolidating financial operations on Rho.
- [Niural](https://www.rho.co/customers/niural): HR-tech company scaled financial operations for fast growth.
- [Superfiliate](https://www.rho.co/customers/superfiliate): Extended runway with tighter spend control.
- [Mud/Wtr](https://www.rho.co/customers/mud-wtr): Consumer brand earning treasury yield on idle cash while staying liquid.
- [Spark Advisors](https://www.rho.co/customers/spark-advisors): Cut AP processing from one week to minutes.
- [Willet + Cumro Innovations](https://www.rho.co/customers/willet-cumro-innovations): Multi-entity finance across 10 entities.
- [Dr. Squatch](https://www.rho.co/customers/dr-squatch), [Best Bay Logistics](https://www.rho.co/customers/best-bay-logistics), [Mad Rabbit](https://www.rho.co/customers/mad-rabbit), [Munk Pack](https://www.rho.co/customers/munk-pack), [Innomark](https://www.rho.co/customers/innomark-communications), [Anti Agency Group](https://www.rho.co/customers/anti-agency-group), [Native Strategies](https://www.rho.co/customers/native-strategies): Spend, AP, and banking outcomes across CPG, logistics, and services.

## Tools and resources

- [YC SAFE Note Generator](https://www.rho.co/tools/safe-note-generator): Generate investor-ready SAFE agreements free.
- [Financial Tools for Founders](https://www.rho.co/tools): Calculators and templates for startup finance.
- [Rho Blog](https://www.rho.co/blog): Guides on startup and SMB finance — burn rate, runway, treasury bills, bookkeeping, 409A valuations, cap tables, term sheets, working capital, expense management, and more.
- [Changelog](https://www.rho.co/changelog): Product updates.

## Account actions and contact

- [Open a Rho Account](https://signup.rho.co/): Apply online; startups can open an account at incorporation, even pre-EIN — incorporate with Rho directly or via partners like Clerky.
- [Sign In](https://app.rho.co/login): Access your Rho account.
- [Contact Sales / Request a Demo](https://www.rho.co/contact-sales): Talk to the Rho team. Phone: 1 (855) 7-GETRHO. Support on every account is 24/7 by phone, in-app chat, and SMS.