Type your monthly cash flow, your balance range, and your current business bank. Get a freeze-risk score for every provider, the morning-of runbook if your account locks, a named backup account at a second institution, and a one-page memo for your bookkeeper.
Freeze-risk score across every major business bank and neobank, a morning-of runbook for the day an account locks, a named backup account at a second institution with the cash split, and a one-page memo for your partner and bookkeeper.
Bring a friend who'd use this. Each signup pulls the launch closer.
$4.99 lifetime · or $99 / firm SaaS · no charge today
Built by someone who already shipped 30+ tools
For a sense of what shipped looks like: relly.permissionlabs.com ↗
Know which bank won't freeze your cash, and what to do the morning one tries.
Click any card to jump to its deep dive below.
Built for these decisions.
If any of these are your question, this is the tool.
Which bank actually answers the phone if our account locks?
→ The score ranks providers by funds-release record and published phone support, names the two with a written closure-reason policy, and flags the ones with no cash deposit and email-only support. You see the short list in one glance, not forty browser tabs.
Which setup survives a sudden risk review without stopping payroll?
→ The plan splits operating cash across a primary and a backup at a different institution, with the payroll float held at the bank least likely to freeze on a chargeback spike. A review on one account never touches the other.
What do I do this morning before I lose access?
→ The runbook lists the documents to send back today, the backup account to move this week's payroll into, and the escalation path in order. You act on a checklist instead of refreshing the login screen and hoping.
Can I hand each client one plan instead of redoing the research every time?
→ The firm tier keeps a provider library and prints a per-client memo with the named primary, the backup, and the cash split. One workflow covers every client instead of a fresh research afternoon per account.
All your operating cash in one account, at a bank with no phone number, and no plan for the morning it locks.
You opened the business account in twenty minutes and never thought about it again. Then the r/smallbusiness thread crossed your feed. An owner woke up to a balance of $107,453 held by the bank, the account closed without notice, payroll due Friday, and no phone number to call. The replies poured in. Mine closed at five months into a twelve-month plan. Mine went to email-only and then to silence. Mine got a restriction banner at login and never a reason. You checked your own dashboard. The cash that makes payroll runs and the cash that pays the vendors all sits in one account at one provider that does not publish a phone number. You opened three tabs. NerdWallet ranks the accounts by sign-up bonus. The Reddit thread says move to Relay, then the next reply says Relay froze them too. The neobank's own page says you are covered, in the same paragraph that says cash deposits are not supported. You closed the tabs. The cash is still in one place. The question was never which account has the best rate. The question is which bank will not freeze your operating cash and ghost you, and what you do the morning one does.
Four pieces, one tool.
Each piece ships in the first build for waitlist members. SaaS upgrades layer on top.
Freeze-risk score engine
Type your monthly cash flow, balance range, industry, and current provider. The engine scores every major business bank and neobank on five axes: closure-policy transparency, whether they publish a phone number, funds-release record from public complaint patterns, cash deposit support, and the FDIC sweep cap. The output is one score per provider on a single page, sorted by reliability. The listicle ranks by sign-up bonus. This ranks by whether your cash comes back when they close you.
- Cursor Pro$20/mo
- Claude Pro$20/mo
- GPT Plus$20/mo
- Midjourney Standard$30/mo
- GitHub Copilot$10/mo
- Perplexity Pro$20/mo
- ElevenLabs Creatortrial$22/mo
- Replicate$25/mo
Morning-of runbook
Output is a checklist you can act on, not general advice. The day your account shows a restriction banner, the runbook tells you which documents the bank usually asks for, the order to send them, the backup account to route this week's payroll into, and the escalation contact past the support queue. Each step has a one-line reason so your bookkeeper can run it without you. The plan does not stop at open another account.
Backup account split
The split engine reads your cash flow and names a primary plus a backup at a different institution, with the dollar amount to keep at each. Payroll float at the most reliable provider, working cash at the primary, a buffer at the backup that a single review cannot reach. Single-bank advice cannot protect you from a single-bank freeze. This is built around that one fact.
One-page memo and checklist
Every plan prints a one-page memo for your partner and a one-page checklist for your bookkeeper. The memo names the primary bank, the backup bank, the cash split, and the move order. The checklist is the runbook in print form. Hand it over and the question what is the plan never comes up again. The answer is the header.
- Trust signals (of 12)you · 5peer · 11
- Cliche-tell hitsyou · 6peer · 0
- Social proof above foldyou · 0peer · 4
- Real testimonial photosyou · 0peer · 6
Today's tools don't do this.
A frozen operating account stops payroll, bounces vendor payments, and leaves you on an email queue with no phone number for days. In the public complaints a balance over $100K sat held with no release date. Even a clean review costs an owner ten to twenty hours of document scrambling and a payroll run moved by hand. The plan and the backup cost $4.99 once. The freeze with no backup costs a payroll cycle, a vendor relationship, and a week of nights.
Web tool. Type your monthly cash flow, balance range, industry, and current bank. Get a freeze-risk score for every major business bank and neobank, a morning-of runbook for the day an account locks, a named backup account at a second institution with the cash split, and a one-page memo for your partner and bookkeeper. Works in any browser on desktop and phone.
Provider library updates as new complaint patterns land, a firm tier with per-client memos for bookkeepers and fractional CFOs, alerts when a provider you rely on shows a new freeze pattern, and a printable switch packet with the account-opening checklist per recommended bank.
We do not open the account for you, move your money, or guarantee a bank will not freeze you. This is not legal or financial advice. The plan names the providers, the split, and the steps. You open the accounts and move the cash.
Which price would get you on the waitlist?
No charge today. The click tells me which tier is real demand. Early access price ≠ launch price.
Want this built?
Drop your email. No charge, no spam. You're saying "yes, I'd actually use this." That's the signal I'm looking for.
Hi, I'm Hyunyoung.
Solo builder · Choppy Toast
This page is a quick vibe-coded probe to test demand and gather feature requests. The actual product, when it ships, will be a polished, hand-built tool, not this scaffold.
For a sense of what "polished and shipped" looks like, here's another product I built: relly.permissionlabs.com.
Honest answers.
Then the page stays live with no expiry. The faster an owner staring at the same freeze story joins, the faster I build it. Send it to the founder who keeps payroll on one neobank. That is the engine.
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5 more on the waitlist and I build this.
No charge today. Drop your email, lock in the early-access price, and you hear first when it ships.
Built by a real person. No silent vaporware.