Hand Holding Card that says 'deposit management'

Say hello to smarter cash.

Return. Safety. Liquidity.
Is it possible to have it all? YES. We offer innovative cash solutions to match unique cash investment policy requirements, without giving up return.

Check out this side-by-side comparison:

 
FDIC Insured1
Collateralized2
Excess Deposit Bond2
Best Rate3
Principal Protection
Safest
Extremely Safe
Very Safe
Safe
Liquidity
Twice weekly
Twice weekly
Daily
Daily
Keep My Bank
Yes
Yes
Yes
Yes
Current Rates
Rate Lock Option
Yes
Yes
Yes
Yes
Term Option4
(Up to 60 months)
Yes
Yes
Yes
Yes
Any Restrictions
None
Public & Municipal Depositors Only
None
None
Description
With FDIC coverage up to $75MM, this is safer than putting your cash in just one bank.
Backed by securities or a letter of credit this deposit will get a little more bang for your buck, with only a fraction of additional risk. (Real talk, nothing is considered safer than the federal government according to traditional finance).
Covered by insurance underwritten by a strong insurer you can feel good about your cash safety + earn a competitive return.
With this option we’ll get you the absolute BEST rate in our national network of banks. This might mean less diversification and no additional coverage over $250,000.
 
  1. 1. American Money Market Account (AMMA)
  2. 2. American Secured Deposit Account (ASDA)
  3. 3. American Excess Deposit Account (AEDA)
  4. 4. American Term Deposit Account (ATDA)

 
FDIC Insured1

Principal Protection

Safest

Liquidity

Twice Weekly

Keep My Bank

Yes

Rate Lock Option

Yes

Term Option4

Yes

Any Restrictions

None

Description

With FDIC coverage up to $75MM, this is safer than putting your cash in just one bank.

  1. American Money Market Account (AMMA)
  2. American Secured Deposit Account (ASDA)
  3. American Excess Deposit Account (AEDA)
  4. American Term Deposit Account (ATDA)

1.

Open An Account

We know you’re busy, so we try to keep this as quick and painless as possible. Love your existing bank? So do we! Keep your existing bank relationship and just think of us as a new financial tool.

2.

Deposit Funds

Use our online portal to access your account and transfer funds via ACH or wire from your existing bank.

3.

Get One Statement

While we might deposit your cash into lots of banks in our network you’ll see everything in one place through our online Portal and on one statement.

 

Ready to get started?

Don’t worry, we’ve kept it pretty short & sweet.

Still curious? We’ve got answers to all your questions.