Balance Sheet Optimization - R&T Deposit Solutions

Stronger Balance Sheets Start with R&T Hero

At R&T Deposit Solutions, we specialize in helping banks, trust companies, fintechs, wealth managers, broker-dealers and other financial institutions unlock the full potential of their deposit strategy.

For more than 50 years, we have partnered with institutions across the country to provide innovative, technology-enabled solutions that support safety, liquidity, and growth. We prioritize what matters most to our clients: protecting customer funds, optimizing balance sheets, and creating new opportunities for revenue and relationship growth.

One of the greatest benefits of working with R&T is our ability to offer configurable solutions and work closely with each client to address their unique challenges.

From providing access to expanded FDIC insurance coverage, to unlocking new funding sources, to delivering seamless integration with existing systems, we tailor every engagement to our clients’ needs. We are a trusted partner in an evolving financial landscape.

Frequently Asked Questions

Who is R&T Deposit Solutions?

R&T is a leading provider of technology-enabled deposit and liquidity management solutions, trusted by over  350 financial institutions nationwide. With more than 50 years of expertise, we deliver scalable and innovative programs that help banks and trust companies grow, optimize their balance sheets, and strengthen client relationships.

“Partnering with R&T has enabled us to attract and serve larger clients. Their mix of banking, financial, and technology expertise has helped advance automation and shape our deposit strategy. We’ll continue to rely on their insights as rate cycles change in an increasingly competitive deposit environment.”

Maksim Sheyn

Executive Vice President, Chief Banking Officer

Alma Bank

How will R&T help us optimize our balance sheet?

The programs administered by R&T provide flexibility to add or reduce deposits on the balance sheet at any time. Send-only solutions allow the movement of excess deposits off balance sheet while enabling access to expanded deposit insurance. Receive-only solutions can provide a stable, diversified source of funding without the necessity to post collateral. Reciprocal options allow for balance exchanges, reduce uninsured deposits, and improve liquidity ratios.

What makes R&T’s network “right-sized”?

R&T maintains a broad network of participating institutions, enabling access to expanded deposit insurance coverage up to $60 million per customer identifier¹ and potentially more coverage in the case of multiple account ownership categories.² This network provides reliable capacity that matches client needs without excessive complexity, and diversification that reduces concentration and counterparty risk.

How do the programs support access to expanded deposit insurance?

Through the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange^SM(CDMX^SM), and R&T Insured Deposits (RTID®) programs, administered by R&T Deposit Solutions, customer funds are seamlessly spread across multiple receiving institutions in increments of up to $250,000 per customer identifier (e.g., TIN) per receiving institution. This structure provides access to expanded FDIC insurance coverage on deposits.

How do interest rates payable on deposits through the Demand Deposit Marketplace (DDM) program compare to money market funds or other alternatives?

While the primary objective of the DDM program 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), the interest rates paid on deposits through the DDM program are typically at least comparable to money market funds³, with the added advantage of providing access to expanded FDIC insurance coverage.

How seamless is the implementation process?

The programs administered by R&T are designed to integrate with your existing systems. R&T provides dedicated implementation and account management teams, integration with most major bank core processors and trust accounting platforms, back-office providers and custodians, and user-friendly portals for reporting, transactions, and customer visibility.

“R&T has been a fantastic partner for us — bringing market-leading expertise, unwavering availability, and the flexibility to adapt to our evolving needs. Their team consistently goes above and beyond to help us achieve our goals, providing steadfast support amid changing markets and flexibility as our institution continues to grow and expand. R&T is a trusted partner and a valued part of our success.”

Matthew Remo

Treasurer & Head of Corporate Finance

Peapack Private Bank & Trust

How does R&T ensure client and end-customer transparency?

R&T makes available modern client- and customer-facing portals: CAP (Client Access Portal) for institutions and DepositView® for end customers.  CAP provides institutions with access to reports, rate setting, opt-outs, and transaction management. DepositView provides customers with access to view balances, where their deposits are being held, and the ability to manage opt-outs and view customer statements, building trust and enhancing the  customer experience.

What differentiates R&T’s team from other providers?

Our strength lies in our expert, client-focused team and tech-forward solutions. With proven experience supporting banks, trust companies, fintechs, broker-dealers, and wealth managers, we take a collaborative approach, tailoring solutions to your institution’s unique requirements and growth objectives.

What types of institutions typically work with R&T?

R&T serves a wide range of clients, including financial institutions seeking balance sheet optimization and customer deposit protection; trust companies with fiduciary obligations wanting to offer access to expanded insured deposit solutions; fintechs that need to grow and retain deposits in proportion to their balance sheet size while seamlessly sending excess funds into the network for access to deposit insurance coverage; broker-dealers and wealth managers looking for FDIC-insured alternatives to money market funds; fintechs that need insured liquidity to support customer deposits; and corporates, municipalities, and high-net-worth customers needing large-dollar, expanded insured cash management solutions.

Why choose R&T over competitors?

R&T balances scale with service. Our expertise spans decades of evolving markets and regulations. Our network is designed to provide both coverage and flexibility. Our technology platforms and API integrations streamline operations. Most importantly, we deliver proven results, helping institutions diversify funding, reduce uninsured deposits, and deliver strong customer experiences.

¹ Customer identifier means a taxpayer identification number (TIN) or unique identifier.

² Under the DDM program, customer funds are allocated to participating receiving institutions in increments of up to $250K per customer identifier (e.g., TIN), per account ownership category, per receiving institution.

³ While interest rates obtained on funds placed at receiving institutions under the DDM program may, under certain circumstances, outperform cash alternatives, such as money market funds, the primary objective of the DDM program is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements or higher rates of returns or profits).

Stronger Balance Sheets Start with R&T