Liquidity Management Solutions Made Simple

R&T helps banks grow, retain and manage deposits with a flexible, automated daily cash sweep and balance sheet management tool. Banks can strategically manage their liquidity position on any given day with a send, receive or reciprocal option.

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Premier Sponsor: Bankers Helping Bankers

How It Works

The Demand Deposit Marketplace® (DDM®) program from R&T provides your bank a frictionless way to offer access to millions in expanded FDIC insurance coverage while managing your balance sheet – by allocating deposits across our extensive network of banks.

  • Offer customers access to millions in expanded FDIC insurance coverage 
  • Access alternative sources of funding
  • Manage your balance sheet liquidity levels
  • Easy set up, integrates with bank platforms
  • Private labeling available

Program Options

With up to four types of deposit relationships available, the DDM program offers the flexibility to increase or decrease the amount of deposits on your balance sheet at any time.

Send-Only

Send excess deposits off your balance sheet

  • Access to millions in FDIC insurance

  • Daily liquidity

  • Competitive rates

  • Mitigate carrying costs, reduce balance sheet

Receive-Only

Take additional deposits on your balance sheet

  • Diversify funding sources

  • Fund loan demand

  • Strengthen balance sheet

  • Supplement/establish contingency funding plan

Reciprocal Deposits

Exchange deposits (dollar for dollar)

  • Access to millions in FDIC insurance

  • No net change to deposit levels

  • Maintain daily liquidity

  • Bank sets the rate

Reciprocal Plus/Minus

Exchange deposits (any desired ratio)

  • Access to millions in FDIC insurance

  • Increase/decrease deposit levels

  • Bank determines reciprocity amount

  • Supplement/establish contingency funding plan

Trusted by financial institutions since 1974.

Program Advantages

Cash balances in your customers’ accounts are sent daily into the DDM program. The DDM program then allocates these balances to deposit accounts at FDIC-insured banks in increments below $250k so that your customers' balances are FDIC-insured up to the program limit.

Participating banks with affiliated trust departments can benefit by adding another source of stable funding with favorable regulatory treatment.

The sweep deposit program provides a stable 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

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Let us help you manage your liquidity position.