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 Beta Tester Program
Think You’re Great at Budgeting? Put It to the Test.
ReCapture Financial is inviting a limited number of households to help us test the ReCapture Prime MiddleBanking™ experience. Participate for 90 days, follow the required activities, share meaningful feedback, and earn up to $1,500 in participation payments.
90-Day Participation
Complete onboarding, follow the weekly process, use the platform, and provide useful feedback.
Limited Household Enrollment
This is a focused testing group designed to help ReCapture strengthen the Prime experience.
Participation Payments
Earn up to $1,500 for completing the required testing activities during the full program period.
What You’ll Be Helping Us Test
You will use the same ReCapture Prime process being prepared for broader household participation. Your experience and feedback will help us confirm that the platform is clear, consistent, and ready.
2
Use the Weekly MiddleBanking™ Process
Follow the approved weekly funding plan, complete required acknowledgements, and use the platform as instructed.
3
Review the Member Experience
Use the dashboard, account tools, communications, and support process as a real participating household.
4
Share Meaningful Feedback
Tell us what is clear, what is confusing, what works well, and what would make the experience stronger.
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 steps and provide feedback.
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 beta testing activities, remaining active during the testing period, and providing useful feedback about the ReCapture Prime experience.
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, follow the required MiddleBanking™ process, test the member experience, and provide meaningful feedback.
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 testing activities and providing feedback. 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 Skills to the Test?
Apply to join the 90-Day Paid Beta Tester Program and help ReCapture Financial strengthen the future of MiddleBanking™.
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.