R&T Names Jason Cave as Strategic Advisor for Regulatory and External Relations

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Funding Solutions for Depository Institutions

Access Competitively Priced and Flexible Deposit Funding

Diversify your deposit base with the Demand Deposit Marketplace® (DDM®) and R&T Insured Deposits (RTID®) programs, which offer a stable and predictable source of funding.

Program Advantages

  • Enhance your Contingency Funding Plan
  • Diversify funding sources and singular counterparty risk
  • Manage concentration risk with a multitude of pricing and term structures
  • Stable diversified source of funds
  • Raise funds without impacting customer rates
  • No collateral required
  • Balance sheet management tool

The Demand Deposit Marketplace - DDM

DDM is an automated daily cash sweep program that helps depository institutions achieve their funding needs by providing access to stable deposits through a network of financial institutions. DDM allows depository institutions to better compete in a changing market environment by taking advantage of a multitude of pricing indices and term structures.

R&T Insured Deposits - RTID

RTID is a deposit sourcing program that enables banks to grow and diversify their deposit base with third-party/wholesale funding. It is sponsored by broker-dealers, clearing firms, and registered investment advisors, which enables them to offer their clients higher levels of FDIC insurance. RTID pools investors’ cash balances, and sweeps deposits into accounts established with program banks. These are stable balances that require no service transaction support by your bank.

How it Works

DDM Receive Only Program


In the DDM “Receive Only” program, financial institutions’ customer funds are placed into deposit accounts across a network of participating banks (up to $250,000 per bank) to provide access to expanded FDIC insurance on those funds.

RTID Program


In the RTID program, similar to the DDM Receive Only program, the broker-dealer’s customer funds are placed into deposit accounts across a network of participating banks (up to $250k per bank) to provide access to expanded FDIC insurance on those funds. The level of FDIC insurance available under a broker-dealer’s specific program depends on the number of banks participating in that program.

In both scenarios, the receive bank opens a single omnibus account, if entering into both RTID and DDM, two single omnibus accounts would be required for benefit of respective customers.

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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