Your Security
Your money and personal information are protected by multiple layers of bank-grade security and industry-leading safeguards.
CouplesCash uses the same security standards as major banks and financial institutions. Your funds are FDIC insured and your data is encrypted with military-grade protection.
FDIC Insurance Protection
Your money is safe and protected through our banking partner, Evolve Bank & Trust, Member FDIC.
1
Individual Coverage: $250,000
Each partner's portion of the joint account is insured up to $250,000 by the FDIC.
2
Joint Account Coverage: $500,000
As a joint account, your total coverage is $500,000 per couple - double the individual limit.
3
Automatic Protection
FDIC insurance is automatic and free. No additional fees or applications required.
What FDIC insurance covers: Your deposits are protected even if Evolve Bank & Trust were to fail. The FDIC would either transfer your account to another bank or pay you directly, up to the insured amount.
Data Encryption & Security
We protect your sensitive information with multiple layers of encryption and security controls:
256-bit AES Encryption
All your data is encrypted with the same standard used by banks and government agencies
TLS 1.3 in Transit
Your data is protected while traveling between your device and our servers
Zero-Knowledge Security
We can't see your login credentials - only you have access
Secure Cloud Storage
Data stored in SOC 2 certified AWS infrastructure with restricted access
Account Protection Features
Multi-Factor Authentication
- SMS text message verification
- Email confirmation for sensitive actions
- Biometric login (fingerprint, Face ID)
- Device registration and recognition
Real-Time Monitoring
- 24/7 fraud detection algorithms
- Instant transaction notifications
- Suspicious activity alerts
- Automatic card freezing for unusual patterns
Card Security
- EMV chip technology for in-person transactions
- Tokenization for online and mobile payments
- Instant card freeze/unfreeze in the app
- Transaction location verification
Compliance & Certifications
FDIC Insured
Up to $500,000 per couple
SOC 2 Type II
Certified security controls
PCI DSS Compliant
Card data protection
GLBA Compliant
Financial privacy protection
What We Do to Protect You
Technical Safeguards
- Penetration Testing: Regular security audits by third-party experts
- Vulnerability Scanning: Continuous monitoring for security weaknesses
- Access Controls: Strict employee access limits with audit trails
- Data Minimization: We only collect data necessary for our services
- Secure Development: Security built into our code from day one
Operational Security
- Background Checks: All employees undergo thorough screening
- Security Training: Regular education on latest threats and best practices
- Incident Response: Prepared plans for any security events
- Business Continuity: Backup systems ensure service availability
We Will Never Ask For Your Login Information
CouplesCash will never call, email, or text you asking for passwords, PINs, or other sensitive information. If you receive such a request, it's not from us - please contact support immediately.
How You Can Stay Secure
Security Best Practices
- Strong Password: Use a unique, complex password just for CouplesCash
- Enable Biometrics: Use fingerprint or Face ID when available
- Keep Apps Updated: Install updates promptly for security patches
- Secure WiFi Only: Avoid banking on public WiFi networks
- Check Statements: Review transactions regularly for unauthorized activity
- Report Issues Fast: Contact us immediately if something seems wrong
- Log Out When Done: Don't stay logged in on shared devices
- Trust Your Instincts: If something feels suspicious, it probably is
Reporting Security Issues
If you discover a security vulnerability or have concerns about account safety:
- For Account Issues: Call 1-888-COUPLES immediately
- For Security Vulnerabilities: Email [email protected]
- For Fraud or Suspicious Activity: Use the app's report feature or call our 24/7 line
What Happens When You Report an Issue
- We'll immediately secure your account if needed
- Our security team investigates within 24 hours
- We'll keep you updated throughout the process
- Any fraudulent charges will be reversed quickly
- We'll help you prevent future incidents
Privacy & Data Protection
Your privacy is just as important as your security:
- No Data Selling: We never sell your personal information to third parties
- Minimal Data Collection: We only collect what's necessary for our services
- Data Retention: Information is kept only as long as required by law
- Your Control: Request your data or account deletion anytime
Read our full Privacy Policy for complete details on how we handle your information.
Questions about security? Our security team is here to help. Contact us at [email protected] or 1-888-COUPLES for any concerns about keeping your account safe.
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