Depository Institutions
National banks | Regional banks | Community banks | Credit Unions | Digital / BaaS banks | Global U.S. banks
What We Provide:
- Cost effective, stable deposit funding from multiple programs
- Access to expanded FDIC insurance coverage for customer deposits
- Fixed CD rates and flexible maturity options
Demand Deposit Marketplace® (DDM®) Program
A flexible cash management solution to provide your customers access to expanded FDIC insurance coverage on their deposits, with send-only, receive-only and reciprocal options for bank participation.
-
Additional Source of Funds: Retain higher levels of insured, reciprocal deposits and access to stable wholesale funding.
-
Flexible: Increase or decrease deposit amounts on your balance sheet at any time.
-
Customizable: Send, receive or reciprocate customer deposits based on your needs.
R&T Insured Deposits (RTID®) Program
A diversified, cost-effective source of wholesale deposit funding.
-
Diversified: Receive deposits sourced from a wide range of programs, including some of the largest broker-dealers, clearing firms and other financial institutions.
-
Simple to Manage: A single point of contact, and the ability to set a single funding target managed across both the RTID and Demand Deposit Marketplace (DDM) programs.
-
Flexible Design: We’ll build a customized program to meet your bank’s specific needs based on its target balance for deposits and preferable source of funds.
Certificate of Deposit Marketplace Exchange℠ (CDMX℠) Program
Provide your customers with access to expanded deposit insurance coverage through CDs with fixed rates and flexible maturity options.
-
Increased Term Deposits: Increase deposits to match your maturity targets.
-
Flexible, Cost-effective Funding: Manage and source cost effective term funding from a single platform.
-
Additional Fee Income: A new opportunity to add incremental revenue.
-
Broad Customer Base: Available to individuals, businesses, and municipalities.
-
Convenient Management: Online portal for easy transaction handling and reporting.
R&T has been a reliable and trusted partner. Their programs help us manage our liquidity levels so we can focus on sustainable loans. Additionally, our clients benefit with access to millions of dollars in FDIC insurance and peace of mind, knowing their full deposit is secure.
Chief Executive Officer
Florida Bank
Get In Touch.
We’re Here to Help You Reach Your Business Goals.