The Smarter Way

to Use Your Existing Bank

Increase the rate and FDIC insurance of your demand deposits without disrupting your banking relationship.

Best Practice is to keep at least 2 - 3 months of operating expenses in demand deposits at your bank.

Demand Deposits

Checking

1 month of operating expenses for expected payables

Checking or Savings

2 months for the unexpected

Marketable Securities

Short-Term Investments (e.g., LGIPs, MMFs, T-Bills)

In practice, every organization keeps a cushion in their demand deposit balance.

Your cushion is life a life jacket on a boat: rarely needed - but should the unexpected happen, it's indispensable.

Organization's Liquidity

LGIPs are not to be used as life jackets

LGIPs are not to

be used as life jackets

Florida LGIPs

U.S. Govt. Guaranteed
100% FDIC Insured Deposits

Example
Holdings

Bank Deposits:
Uncollateralized CDs from foreign banks (e.g., Sumitomo Mitsui Trust Bank)

Bank Commercial Paper:
Uncollateralized Obligations from foreign banks (e.g., MUFG Bank)

Repo:
Overnight loans to international broker dealers (e.g., Mizuho Securities)

Securitizations:
Lorem ipsum, Lorem ipsum, Lorem ipsum, Lorem ipsum.

Example: Florida PRIME (holdings as of March 2025)

Some things may look alike but are very different

Some things may look alike

but are actually very different

Example: Florida PRIME (holdings as of March 2025)

The Problem

Deposit cushions are necessary but large banks pay low rates on demand deposits.

The Solution

We help organizations get a higher rate on their demand deposit cushion.

FDIQ offers a unique combination of

High Rate

100% Demand Deposits

$100M of FDIC Insurance

...all with no disruption to your existing banking relationship.