How Ruby Works

Ruby helps you keep an eye on financial activity without taking away independence.


Ruby uses view-only data from your loved one’s existing financial accounts so that you can watch over what’s happening and make sure their finances are protected.
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Bank-level security | 256-bit SSL encryption

Create a Circle.

Get started in minutes

Create a collaborative space for you and your family to access and organize your loved one’s financial details. You can get started online in minutes.

Connect accounts

With your loved one’s login information, connect the checking, savings, and credit card accounts that you’d like to keep an eye on. Ruby uses bank-level security with 256-bit SSL encryption and read-only access.

Month-to-date overviews

Ruby creates a Monthly Summary of financial activity for the month so far, as well as reports for the previous month so you can truly understand checking, savings, and credit card activity across multiple accounts.

Weekly Snapshots

Ruby provides weekly high-level snapshots of checking, savings, and credit card account activity right to your inbox. Review activity in seconds and spot any unusual activity that needs a closer look.


Set up custom alerts for signs that might signal a problem — balances, budgets, missed deposits, high spending, and more. Alerts span all your loved one’s connected accounts and are delivered right to your mobile phone.

*Coming early 2020

Get organized with the Ruby Vault.

Download the checklist

Ruby provides a handy checklist to help you know what information might be helpful to have on hand when caring for a loved one.

Everything in one place

Upload your loved one’s important documents and information – will, power of attorney, accountant contact, etc. – that you might need to access. The Ruby Vault is protected by bank-level security from First Horizon Bank.

Easy access

Through your online Ruby account, you can access all the information in your Ruby Vault anytime, anywhere.

Ruby is here to help.

Sign up today and get three months free, no credit card required. After your trial, continue for just $4.99 per month.

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Bank-level security | 256-bit SSL encryption

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