About Ruby’s Security Practices

We know how important your data is to you. Likewise, security is our top concern and a core part of our value.


Ruby was started by First Horizon National Corporation, a 155-year-old FDIC-insured bank. Ruby’s technology systems are managed with similar security standards as First Horizon — in fact, we share many of the same processes, procedures, and personnel for managing risk.

First Horizon is insured through the Federal Deposit Insurance Corporation (FDIC), an independent government agency. For the FDIC to insure deposits at First Horizon, the bank is required to maintain and prove the safety and soundness of its operations and technology — including Ruby.

Your Ruby account information is stored with 256-bit encryption, 100% private, and viewable only to authorized members of your Circle. Not even our own Customer Care team can see the details of your Circle’s transactions and account information without your permission.

Ruby uses Yodlee to securely connect to more than 15,000 financial institutions across the U.S. During the setup process, you are asked to enter your online banking credentials. These credentials are never shared with Ruby or stored on our servers in any way — they are sent through Yodlee to your bank or credit card provider, who then authorizes an encrypted token to Ruby which provides read-only access to transaction data. Ruby cannot move money or make any changes to your account in any way, and you can revoke our read-only access token by unlinking your account at any time.

Should you have any questions about Ruby’s security practices, please contact us. We’re happy to provide more detail.