1
Open Your Expense Reimbursement Account
Complete the existing ReCapture application and underwriting process so your household can be configured for Prime.
90-Day Paid MiddleBanking Challenge
Think You’re Great at Budgeting? Put It to the Test.
ReCapture Financial is inviting a limited number of households that believe they are good at budgeting to take the 90-Day MiddleBanking™ Challenge. Use ReCapture Prime for 90 days and compare it with the spreadsheet, budgeting app, or household system you use today—without being asked to cut your normal expenses. See which approach leaves your household more organized, requires less day-to-day effort, and puts more money at the end of your month.
90-Day Side-by-Side Challenge
Use MiddleBanking™ for 90 days and compare the experience with the budgeting system you already trust.
No Forced Expense Cutting
The challenge is to manage the household expenses you already have through a more organized system—not to create an artificial result by stripping your life down.
Up to $1,500 in Participation Payments
Complete the required 90-day Prime process and participation milestones provided to accepted households.
The MiddleBanking™ Challenge
Is MiddleBanking™ more effective than the budget you use now?
A spreadsheet can show where your money is supposed to go. A budgeting app can help you categorize what already happened. MiddleBanking™ is designed to go further by organizing, managing, and paying participating household bills and expenses through one web-based bill-pay concierge relationship.
During the 90-day paid beta, your household will have the opportunity to compare ReCapture Prime with the budgeting method you already know.
The challenge is simple: without being asked to cut your normal household
expenses, determine whether MiddleBanking™ leaves you with a more organized
process and more money at the end of your month.
Your Current System
Begin with the spreadsheet, budgeting app, notebook, calendar, or personal
routine you currently use to manage income, due dates, bills, and spending.
The MiddleBanking™ Experience
ReCapture Prime converts your approved household expenses into one
structured weekly funding plan, then organizes and manages the payment
process through your account.
Compare the Real Household Experience
Consider how much time and attention each system requires, how clearly
upcoming obligations are organized, and how much money remains available
after the month’s household expenses are handled.
Easier After Setup
Budgeting often requires the household to keep updating, remembering,
categorizing, and moving money. Once ReCapture Prime is configured,
MiddleBanking™ is designed to make the ongoing process easier to follow
and more engaging to use.
What You’ll Experience During the 90 Days
You will use the ReCapture Prime process as a real participating household. The objective is to follow the approved MiddleBanking™ routine naturally and determine how it compares with the budgeting method you used before entering the beta.
2
Use the Weekly MiddleBanking™ Process
Follow the approved weekly funding plan, complete required acknowledgements, and use the platform as instructed.
3
Use the Prime Household Experience
Use the dashboard, account tools, communications, and support process as part of your normal household routine.
4
Compare It With Your Current Budget
Observe whether MiddleBanking™ is easier to maintain, more organized, and more effective at leaving money available after monthly expenses than your prior system.
5
Remain Consistent for 90 Days
Complete the full participation period and the required activities according to the beta tester terms.
6
Help Shape ReCapture Prime
Your participation will help strengthen onboarding, communications, account visibility, and the overall household experience.
Who We’re Looking For
This opportunity is designed for responsible households that already take budgeting, due dates, and recurring expenses seriously.
Head of Household Participation
The participating head of household must actively complete the required onboarding, weekly funding, acknowledgements, and account activities.
Age 25 or Older
Applicants must be at least 25 years old at the time of application.
Steady Household Income
Full-time employed and retired households are accepted. Self-employed applicants must also receive W-2 income.
$4,000+ in Monthly Household Spending
The household should manage at least $4,000 in recurring household and personal bills and expenses each month.
Good Budgeting Habits
This is for households that believe they are organized, consistent, and good at managing monthly expenses.
Total Participation Payments
Up to $1,500
Paid during the 90-day beta period according to the participation schedule and completion requirements provided to accepted households.
These Are Participation Payments
The payments are compensation for completing the required 90-day beta activities, remaining active throughout the participation period, and following the approved ReCapture Prime process.
They are separate from any reimbursement calculation or ReCapture Prime benefit. The participation schedule, required milestones, and payment conditions will be provided before an accepted household begins.
Acceptance is not automatic. ReCapture Financial will review each application, confirm household requirements, and select participants based on the needs of the current testing group.
What Happens After the 90 Days?
Completing the beta does not require you to leave ReCapture. Beta graduates can decide whether they want to continue participating in ReCapture Prime under the regular account and program terms.
Complete the Beta
Finish the required 90-day activities, submit your final feedback, and receive any remaining participation payment due under the beta terms.
Continue With Prime
Households that choose to remain can continue through ReCapture Prime under the normal 90% / 10% / 1.25% participation structure and current account terms.
Frequently Asked Questions
What is the Paid Beta Tester Program?
It is a 90-day paid participation opportunity for selected households to use ReCapture Prime and compare MiddleBanking™ with the spreadsheet, app, notebook, or budgeting routine they currently use.
What is the MiddleBanking™ Challenge?
The challenge is to use ReCapture Prime for 90 days without being asked to cut your normal household expenses, then compare the organization, effort, and end-of-month results with the budgeting system you used before entering the beta.
Do I need to look for software bugs?
No. Participants should use ReCapture Prime naturally as part of their household routine. This is not a technical bug-hunting assignment.
How much can a participant earn?
Accepted households can earn up to $1,500 in participation payments by completing the required activities and the full 90-day participation period according to the beta tester terms.
Are the payments reimbursements?
No. Beta payments are participation payments for completing the required 90-day activities and participation milestones. They are separate from ReCapture Prime reimbursements and benefits.
Do I have to change banks?
No. Participants can continue using their existing checking account to fund the approved weekly plan connected to their ReCapture account.
Who can apply?
Applicants must be age 25 or older, have steady household income, manage at least $4,000 in monthly household and personal spending, and be willing to complete the full testing process. Retired households may apply. Self-employed applicants must also receive W-2 income.
Does applying guarantee acceptance?
No. ReCapture Financial will review applications and select a limited number of households based on the requirements and needs of the current testing group.
What will I need to do during the beta?
You will complete onboarding, follow the approved weekly process, use the dashboard and account tools, respond to required communications, remain consistent, and provide useful feedback.
Can I remain in ReCapture Prime after the beta?
Yes. After completing the 90-day beta, participating households can decide whether they want to continue in ReCapture Prime under the regular account and program terms.
Where do I apply?
Use the Apply button on this page. It will take you to the ReCapture application and automatically identify your application as a Paid Beta Tester application.
Ready to Put Your Budgeting System Against MiddleBanking™?
Apply for the 90-Day Paid Beta and see whether ReCapture Prime can make household bill management easier, more organized, and more effective than the budgeting process you use today.
Apply for the Paid Beta Tester ProgramPaid Beta Tester Disclosure: The Paid Beta Tester Program is a limited participation opportunity and is not employment, a sweepstakes, a loan, an investment, or a guarantee of acceptance or payment. Participation payments are earned only according to the written beta tester terms, required activities, milestones, and completion conditions provided to accepted households. ReCapture Financial may limit enrollment, close enrollment, or modify future beta groups. ReCapture Financial is not a bank. An Expense Reimbursement Account is a private ReCapture Financial program account and is not a bank deposit account, retirement account, investment account, insurance product, government-sponsored account, or tax-advantaged account.