Depository Institutions

Protect & Grow Deposits. Strengthen Balance Sheets.

Grow your existing customer relationships and attract more high-value deposits with our innovative cash sweep programs. Strategically manage your institution’s balance sheet liquidity and deposit funding needs, and offer your customers access to expanded deposit insurance coverage on their funds.

Optimize Your Balance Sheet

Access a diversified, cost-effective source of wholesale deposit funding with our innovative cash sweep programs with send-only, receive-only and reciprocal options. Source the funding you  need to manage your balance sheet through our simple,  easy-to-use solution.

Offer Access to Expanded Deposit Insurance Coverage

Through our cash sweep solutions, your customers can access expanded deposit insurance coverage on their funds through a network of participating receiving institutions, with MMDA or DDAs for daily deposits or through CDs with flexible maturity options.

Who We Serve

National banks
Regional banks
Community banks
Global U.S. banks
Digital/BaaS banks
Credit Unions

A Full Spectrum of Liquidity Solutions

The DDM® Program

The Demand Deposit Marketplace® (DDM®) program is a configurable cash management solution providing access to expanded deposit insurance coverage with send, receive, and reciprocal options.

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The CDMX^SM Program

The Certificate of Deposit Marketplace Exchange^SM program is a CD solution offering fixed rates and flexible maturity options with access to expanded deposit insurance coverage.

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The RTID® Program

The R&T Insured Deposits (RTID®) program is a configurable, send-only cash sweep program providing access to expanded deposit insurance coverage through our network of participating receive-only banks.

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“R&T has been a reliable and trusted partner. The programs they administer help us manage our liquidity levels so we can focus on sustainable loans. Additionally, our customers benefit from access to millions of dollars in FDIC insurance and peace of mind, knowing their deposits receive access to deposit insurance well above what we could offer our customers without the power of the program’s network of receiving banks.”

Chief Executive Officer
Florida Bank