HB Direct vs Ratifi

With Heritage Direct, safely and securely access accounts anytime, anywhere. With our business mobile app, customers can: • Initiate and approve payments • View balances • View account activity • Transfer funds • Make mobile deposits

You just got handed a car deal. The payment looks fine. Is it? Snap a photo of the quote — or the contract — and Ratifi reads every number, checks the dealer's math against itself, and tells you in plain English what the deal really costs and exactly what to negotiate. Before you sign. Your first analysis is free. No subscription required. WHAT RATIFI ANALYZES • Dealer quotes and worksheets — before you're at the table • Vehicle purchase agreements • Vehicle leases WHAT YOU GET • A verdict, not just a score — is this deal fair, and why • True monthly cost and total cost over the life of the deal • Every figure cross-checked against your document's own math — see which numbers came straight off the page and which we calculated • Your rate compared against current market averages • Your price checked against real listings for the same vehicle • Line-by-line fee analysis — doc fees, add-ons, taxes • A negotiation checklist with specific dollar amounts • AI chat for follow-up questions TRY THE DEAL BEFORE YOU TAKE IT Open "What if the terms changed?" and move the levers — term, money down, rate — and watch the payment respond. Walk in knowing what 60 months at 5.9% actually does to your wallet. FROM QUOTE TO SIGNATURE Analyzed a quote? When the final contract arrives, Ratifi compares them line by line and flags anything that changed. The number that quietly moved between the worksheet and the paperwork is the one that costs you. HOW IT WORKS 1. Photo or PDF of your quote or contract 2. Ratifi reads every field and verifies the math 3. Get your verdict, costs, and negotiation plan in about a minute Spot a misread number? Tap it, fix it, and the entire analysis recomputes. Ratifi is an analysis tool, not legal or financial advice.