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What the Recent FDIC Report Means for Modern Cash Management
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Video

Women in Leadership, Kimberley Liao

The next segment in our Women in Leadership video series features Kimberley Liao, Executive Vice President, Head of Regulatory Relations & Affairs at R&T Deposit Solutions. Kimberley shares how resilience, strategic thinking, and confidence shape […]
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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 in market risk, deposit […]

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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 cash into interest-bearing or insured […]

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Video

Women in Leadership, Mieko Shibata

We’re proud to share the third installment of R&T’s Women in Leadership video series—spotlighting the remarkable women shaping our future. In this feature, Mieko Shibata, EVP and Chief Information Officer, offers a powerful reflection on […]
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Fact Sheet

Transitioning from Collateral to Reciprocal Deposits

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Insights

Navigating a New Normal: How Banks Can Thrive Amid Regulatory Change

As a new administration reshapes the regulatory landscape, the banking sector faces a critical period of change across supervision, compliance, and risk. These shifts come at a time when many in the industry feel that […]

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Insights

Featured in Agenda Opinion – “Laying the Data Foundation for the Future”

By: Mieko Shibata, EVP & Chief Information Officer at R&T Deposit Solutions

Data is at the heart of digital transformation and the foundation of modern business. It drives decisions,
powers operations and fuels innovation.

However, […]

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News

R&T Deposit Solutions Announces Appointment of Michelle Neal to Board of Managers

New York, NY – May 1, 2025  – R&T Deposit Solutions, a leading provider of insured deposit and liquidity management solutions, today announced the appointment of Michelle Neal to its Board of Managers. Ms. Neal […]

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Insights

What are Reciprocal Deposits?

Understanding the Benefits for Financial Institutions

In the ever-evolving landscape of banking and financial services, institutions continually seek innovative solutions to attract and retain deposits while managing their liquidity efficiently. One such innovative tool that institutions are increasingly turning to is […]

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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. 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®, CDMX®, and RTID® are registered marks of R&T Deposit Networks, LLC. IDEA℠ , Certificate of Deposit Marketplace Exchange℠ , R&T Insured Deposits℠ and R&T Connect℠ are unregistered service marks of R&T Deposit Networks, LLC.

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