Treasury Professionals

Treasury Professionals

Overview

Federally Insured Cash Account (FICA)

FICA consists of a series of digitally linked federally insured deposit accounts.
U.S. Treasury and government money market funds invest in Repo and longer maturity securities that expose them to Repo default (counterparty risk) and changes in market values (duration risk). FICA is not exposed to these risks - 100% of our holdings are federally insured deposits.

Absolute Safety

FICA deposits are i) backed by the full faith and credit of the U.S. Government ii) not exposed to Repo market.

Convenient Liquidity

FICA provides access to your cash when you need it with next day liquidity and no redemption gates.

Competitive Yield

FICA strives to provide higher yields than treasury/government money market funds.

Institutional Cash Account (ICA®)

ICA® provides treasurers access to highly rated and money fund eligible banks via a single, convenient account. Developed in response to the changing regulatory environment that has forced many banks to seek new sources of funding, ICA® enables you to have funds with only those banks that meet your investment policy requirements.

Download ICA Fact Sheet

Bulk Insured Deposit Services (BIDS)

We provide asset/liability consulting to non-depository administrators seeking to optimize interest income on their large cash balances and FDIC insurance. Our administrator clients, including HSAs, hold funds on behalf of thousands of individuals that in the aggregate generate large balances. Large balances are complicated to manage and finding the appropriate bank and negotiating terms is challenging. By serving as an asset/liability consultant to the administrator, StoneCastle Cash Management helps to match the funding needs of potential depository banks with the treasury management needs of the administrator.

BIDs programs generally have a term range of 1-7 years, and are tailored to meet our administrator clients’ needs. We advise a number of the largest administrators in the U.S.

FICA Impact

FICA Impact is one of the first cash solutions designed to address individuals' and organizations’ growing needs for impact solutions. FICA Impact seeks to safely generate a competitive yield on cash balances while maintaining high levels of FDIC insurance and leveraging the community banking system to drive small business lending and community reinvestment in all 50 states.

Download FICA Impact Fact Sheet