The Reliable & Trusted Network for Deposit & Funding Solutions

Our Solutions

DDM®

Demand Deposit Marketplace® Program

A configurable cash management solution providing access to expanded deposit insurance coverage with send, receive, and reciprocal options.

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CDMX^SM

Certificate of Deposit Marketplace Exchange^SM Program

A CD solution offering fixed rates and flexible maturity options with access to expanded deposit insurance coverage.

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RTID®

R&T Insured Deposits Program

A tailored, send-only cash sweep program providing access to expanded deposit insurance coverage through our network of participating receive-only banks.

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Funding

Deposit Solutions for Financial Institutions

A diverse source of funding through our established network of participating financial institutions.

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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

Established Network. Collaborative Approach. Expert Team.

We empower financial institutions to grow by providing access to expanded deposit insurance and additional funding through our trusted, established network.

Access up to $60M in Expanded Deposit Insurance Coverage
$179B+ Assets Under Administration as of 12/31/2025
350+ Participating Banks and Financial Institutions
11M+ Customer Accounts
Seamless Integration with Most Core Processors and Trust Accounting Platforms
Private Label Capability

Why R&T

Who We Serve

Attract Valuable Customers and Grow Deposit Funding.

Depository Institutions

Protect and grow your customer base by offering access to expanded deposit insurance coverage. Optimize your balance sheet with additional funding sources.

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BaaS Banks

Strengthen your BaaS and embedded finance offerings with scalable deposit infrastructure. Support FinTech growth while enhancing balance sheet flexibility, liquidity management, and program resiliency.

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FinTechs

Scale your platform through sponsor-bank partnerships that enable access to expanded deposit insurance coverage. Maintain control of the customer experience while supporting liquidity, growth, and operational simplicity.

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Trust Companies

Protect your customers’ funds by providing access to expanded deposit insurance coverage, maintaining daily liquidity, and offering competitive rates.

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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

The sweep deposit program provides a diverse source of funding with flexibility around target balances to address our evolving funding needs over the years.
Senior Vice President, Wholesale Funding & Liquidity
National Bank
R&T has been a reliable and trusted partner. The programs they administer help us manage our liquidity levels so we can focus on sustainable loans. Additionally, our customers benefit from access to millions of dollars in FDIC insurance and peace of mind, knowing their deposits receive access to deposit insurance well above what we could offer our customers without the power of the program’s network of receiving banks.
Chief Executive Officer
Florida Bank
We take advantage of R&T's white label benefit and flexibility to customize our products to align with our brand.
EVP & Chief Banking Officer
New Jersey Bank