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Turn Deposits Into a Strategic Advantage.
Deposit solutions to support growth and liquidity, offer access to expanded deposit insurance coverage, and provide greater flexibility in how you manage funds.
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The 21st Century ROAD to Housing Act Creates a New Framework for Reciprocal Deposits.
Learn How Your Institution Can Benefit by Leveraging our Reciprocal Deposit Reform Calculator.
DDM®
Demand Deposit Marketplace® Program
A configurable deposit solution with send, receive, and reciprocal options to help manage liquidity and funding needs while providing access to expanded deposit insurance.
CDMX®
Certificate of Deposit Marketplace Exchange℠ Program
A CD solution offering fixed rates and flexible maturity options with access to expanded deposit insurance coverage.
RTID®
R&T Insured Deposit Program
A tailored, send-only cash sweep program providing access to expanded deposit insurance coverage through our network of participating receive-only banks.
Funding
Deposit Funding for Financial Institutions
A diverse source of funding through our established network of participating financial institutions.
Click here for R&T’s list of receiving institutions in the DDM, CDMX, and RTID programs. R&T is not an FDIC or NCUA-insured institution. FDIC deposit insurance only covers the failure of an FDIC-insured institution. NCUA deposit insurance only covers the failure of an NCUA-insured institution. Certain conditions must be satisfied for “pass-through” deposit insurance coverage to apply.
Who We Are
Configurable Solutions.
Hands-On Expertise.
Proven Scale.
R&T delivers the right balance of capacity, competitive economics, and capabilities, backed by configurable solutions and hands-on expertise, to address complex deposit and funding challenges.
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Access up to $70M in Expanded Deposit Insurance Coverage
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$174.1B+ Assets Under Administration as of 6/30/2026
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350+ Participating Banks and Financial Institutions
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11M+ Customer Accounts
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Seamless Integration with Most Core Processors and Trust Accounting Platforms
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Private Label Capability
Who We Serve
Attract Valuable Customers and Grow Deposit Funding.
Banks / Depository Institutions
Attract and retain large deposits while providing access to expanded deposit insurance. Strengthen balance sheet management with greater control over deposit mix, liquidity, and funding.
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Trust Companies
Work with the leader in trust deposit solutions to provide access to expanded deposit insurance, daily liquidity, and competitive rates while aligning with fiduciary responsibilities.
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BaaS / Sponsor Banks
Support partner-driven deposit growth while managing concentration risk and balance sheet capacity. Gain greater flexibility to respond to changing deposit flows and evolving market conditions.
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FinTechs
Scale your platform through sponsor-bank partnerships that provide your customers with access to expanded deposit insurance coverage and the capacity to support rapid deposit growth.
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Broker Dealers
Protect your customers' funds by providing access to expanded deposit insurance coverage in a cash sweep program configured to your firm's specific needs.
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From Our Clients
News & Insights
More New & InsightsNews
What the Recent FDIC Report Means for Modern Cash Management
The banking turmoil of spring 2023 is often discussed through the lens of uninsured deposits. That framing is important, but it is incomplete. The Federal Deposit Insurance Corporation’s (FDIC) May […]
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The Trust Dividend in Partner Banking
In February 2026, R&T Deposit Solutions surveyed 200 senior Banking-as-a-Service (BaaS), or sponsor banking and FinTech executives, asking how they compete for deposits. Three in four said access to expanded […]
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What the FDIC’s Latest Study Says About Deposit Stability
A recent FDIC study1 shows that three banks each lost nearly half their deposits in three business days. Over the past three years, the FDIC analyzed exactly why, and in […]
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