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News & Insights

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The Next Generation of Partner Banking: Regulatory Shifts, Market Growth & the Future of Deposits

Webinar Replay Partner banking is entering a new era. Banks are evolving from traditional service providers into agile platforms, integrating fintech capabilities, managing risk more dynamically, and using deposit networks […]

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Insured Trust Deposits: Strategies for Trust Organizations in a Lower-Rate Market

The FDIC’s Quarterly Banking Profile for Q2 2025 dropped on August 26th and shows a continued trend in deposit behavior. Insured balances rose for the fourth consecutive quarter, up $110.5 […]

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Navigating Liquidity & Risk: Deposit Optimization Strategies for Trust & Wealth Clients

Webinar Replay In today’s volatile rate environment and evolving regulatory landscape, trust companies and wealth managers are increasingly focused on optimizing liquidity, managing risk, and enhancing client service. Watch the […]

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Keeping Deposits Local: What H.R. 3234 Means for Community Banks

Regulatory focus on deposit stability has intensified since the banking crisis of 2023, which revealed how quickly uninsured deposits can flee due to concerns about counterparty risk, causing financial institutions […]

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How to Access Expanded FDIC Insurance Coverage

Financial institutions face a persistent challenge in today’s competitive deposit market: how to attract and retain customers with substantial cash balances when FDIC insurance covers only $250,000 per depositor, per […]

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Unlocking Liquidity: Transitioning from Collateral to Reciprocal Deposits

How Smaller Banks Can Capitalize on a Big Opportunity

In today’s volatile environment, liquidity, capital efficiency, and customer retention are more important than ever. For banks, particularly community and regional institutions, reciprocal deposits represent a powerful tool to enhance […]

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Maximizing Balance Sheet Efficiency with the Demand Deposit Marketplace® (DDM®) Program

Managing balance sheet efficiency while delivering exceptional value to customers is a constant challenge for financial institutions. The Demand Deposit Marketplace® (DDM®) program offers a strategic and scalable approach to […]

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Insights

What Is the Basel III Endgame? What to Know

What the Final Basel III Rules Could Mean for Growth, Risk, and Liquidity

Banks across the United States are already facing a more stringent regulatory environment. For many, the pressure to maintain strong capital positions has intensified in recent years, driven by shifts […]

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Insights

What Are Cash Sweep Programs? Benefits for Financial Institutions and Their Customers

Businesses and individuals continuously seek ways to optimize the utility of cash reserves. Cash sweep programs offer both financial institutions and their customers a strategic solution by automatically transferring excess […]

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Melissa Kaiser
Director, Marketing

  • 1-212-830-5242
  • mkaiser@rnt.com

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R&T Deposit Networks, LLC, R&T Deposit Marketplace, LLC, R&T Deposit Solutions, LLC and R&T Deposit Programs, LLC (each d/b/a R&T Deposit Solutions), each a Delaware limited liability company, (together, “R&T”) provide administrative, recordkeeping, and/or other services to banks, credit unions, trust companies, wealth management firms, broker-dealers and other institutions with respect to deposit placement and sweep programs, including the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange℠ (CDMX℠) and R&T Insured Deposits℠ (RTID®) programs, as well as other services. An affiliate of R&T, Stable Custody Group II LLC (“Stable”), acts as agent of participating sending institutions under the DDM and CDMX programs.  R&T and Stable, together, “we”, “us” or “our”.  All of our services are provided subject to the terms and conditions of the written agreements and/or agency appointments between us and our clients with respect to those services, and we provide no representations or warranties, express or implied, except as expressly set forth in those written agreements and/or appointments. Click here for our legal and other disclosures. We are not an FDIC or NCUA-insured institution. FDIC insurance only covers the failure of an FDIC-insured institution. NCUA insurance only covers the failure of an NCUA-insured institution.  Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Click here for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the DDM, CDMX, and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers).  While the DDM, CDMX, and RTID programs provide access to an expanded level of FDIC or NCUA deposit insurance coverage on funds placed into the programs (subject to program terms and applicable laws, regulations and guidance, including pass-through insurance coverage requirements), the DDM, CDMX and RTID programs, themselves, as well as our other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits, and may lose value. We are not an affiliate of an FDIC or NCUA-insured institution, we are not an office, division, or sub-division of the FDIC or NCUA, and we are not associated with the FDIC or NCUA or office, division, or sub-division thereof. For more information about us, please visit our website at https://www.rnt.com.  The primary objective of the DDM, CDMX, and RTID programs is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements, higher rates of returns or profits). R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM®, DepositView® and RTID® are registered marks of R&T Deposit Networks, LLC. CDMX℠, R&T Fusion℠ and Fusion by R&T℠ are pending marks of R&T Deposit Networks, LLC. IDEA℠ and Certificate of Deposit Marketplace Exchange℠ are unregistered service marks of R&T Deposit Networks, LLC.

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