LIQUIDITY SOLUTIONS
Keep cash protected, accessible and working.
Preserve principal and simplify reporting.
From daily liquidity to multimillion-dollar coverage and term yields, choose the mix that fits your treasury policy and liquidity risk management tolerances—with consolidated visibility and a single relationship.
SAFETY
Expand FDIC insurance—managed through one relationship and consolidated visibility.
ACCESS
Keep operating cash accessible with automated sweeps and set-and-forget target balances.
PERFORMANCE
Put idle funds to work with interest-bearing accounts and fixed-term CD yields.
IntraFi Cash Service (ICS®)
Safeguard large liquid balances and earn interest—managed through a single relationship.
- Multimillion-dollar FDIC insurance coverage through a network of banks.
- Full liquidity on balances placed via the program.
- Online visibility.
CDARS®
Lock in term yields with multi-bank FDIC insurance and one statement.
- Multimillion-dollar FDIC insurance coverage via network placements.
- Select 4-, 13-, 26- or 52-week maturities; ladder for flexibility.
- Consolidated reporting from us.
Money Market Sweep
Automate investment of excess balances into government or Treasury money market mutual funds—then auto-replenish your operating account as needed.
- End-of-day sweeps based on a target balance you set.
- Focus on capital preservation and liquidity with U.S. government- or Treasury-backed funds.
- View balances and dividends in Business Online.
Business Deposit Accounts
Keep it straightforward—choose daily-access interest or fixed-term yield.
- Money Market Account – Earn tiered interest while keeping daily access to funds.
- Certificates of Deposit (CDs) – Lock in a fixed rate for a defined term.
FREQUENTLY ASKED QUESTIONS
Liquidity solutions are banking tools designed to ensure your business keeps cash protected, accessible and working. The primary benefit is the ability to structure your reserves to meet operating needs while preserving principal and maximizing interest performance. This includes simplifying reporting and consolidating visibility across various accounts and investments.
Our liquidity risk management solutions focus on two key areas: safety and accessibility. We help manage risk by:
Expanding Protection: Using programs like IntraFi Cash Service (ICS®) and CDARS® to expand FDIC insurance coverage across multimillion-dollar balances through a single banking relationship.
- Maintaining Access: Using tools like the Money Market Sweep to automatically manage target balances, ensuring operating cash is always available while excess funds are safely invested.
ICS is a cash management tool designed for businesses with large liquid balances who need multimillion-dollar FDIC insurance coverage. It works by placing funds into deposit accounts at a network of banks while providing you with a single banking relationship, one statement and complete liquidity on your principal.
A Money Market Sweep is an automation feature that manages your daily operating balance to ensure performance and access. At the end of each day, it automatically:
Sweeps any excess funds above a set target balance into a government or Treasury money market mutual fund to earn yield.
- Auto-replenishes your operating account from the fund when the target balance is low, ensuring you always have the necessary operating cash.
CDARS® (Certificate of Deposit Account Registry Service) allows you to lock in fixed-term yields with the safety of expanded FDIC insurance coverage. It works by placing large CD balances across a network of banks, ensuring your entire principal is covered. You can select terms (e.g., 4-, 13-, 26-, or 52-week maturities) and ladder them for flexibility, all while receiving consolidated reporting.
Liquidity Solutions are a core component of your broader corporate liquidity management solution. They work in tandem with Payables and Receivables to complete your working capital cycle. By ensuring your capital is protected and generating performance, Liquidity Solutions create the strong financial base needed to support the efficient transaction flow managed by the rest of our Global Treasury Management products.