Cash solutions to manage your cash, your way
Whether putting money to work or putting money aside, Inter Consultant knows the way you manage cash impacts your day-to-day life and your long-term plans. We offer products and solutions tailored to your unique needs.
When it comes to cash, it helps to consider two common needs: everyday spending and savings. Review the features and benefits of each to determine the solution best tailored to your needs. Work with your financial advisor to find the right mix based on liquidity, safety and return requirements.
Everyday
Spending
Key Features
- Mobile check deposit & mobile wallet
- Online bill pay
- Free debit card, unlimited check writing, direct deposit
- Use of any ATM, with fees reimbursed
- 24-hour support and fraud monitoring
- Optional SMS text alerts
Savings
& Strategic
Key Features
- Certificates of Deposit
- Money market funds
- Short-term fixed income options
- High-yield savings program
| Savings & Strategic Cash Solutions | ||||
|---|---|---|---|---|
| Inter Consultant Bank Enhanced Savings Program1 | Certificates of Deposit (CDs)2 | Money Market Funds3 | Short Term Fixed Income4 | |
| Description | Savings solution combining a competitive rate and a high level of combined FDIC insurance, linked to your brokerage account for easy access. | Consider including FDIC-insured CDs in your account to earn income while helping achieve principal preservation goals. | Money market mutual funds invest in short-term fixed income securities and pass returns on to shareholders. They generally seek to provide stable asset values, next-day liquidity and a range of options to suit your needs. | Range of investment choices including but not limited to brokered FDIC-insured CDs, Treasuries, short-term corporate and municipal bonds that provide various yields and maturities. |
| Offered through | Inter Consultant Bank | Inter Consultant and Inter Consultant Bank | Inter Consultant | — |
| Current interest rate/Annual Percentage | Contact your financial advisor for current rates. | Contact your financial advisor for current rates. | SIPC and Excess SIPC | Varies based on investments |
| FDIC insurance or SIPC protection | Bank deposits are protected by a network of banks, each providing up to $250,000 in FDIC insurance, allowing for combined FDIC insurance of up to $50 million1. | Standard FDIC of $250,000 per issuer, per depositor2. | SIPC and Excess SIPC | Varies based upon investments |
| Features and other information | Variable rate superior to standard checking/savings without bank account fees or holding periods. | Inter Consultant Bank and brokered CDs offer a range of maturities to match objectives. Brokered CDs can be liquidated in the secondary market prior to maturity at prevailing prices. | Offers low expenses, attractive yield and next-day access to funds. Wide variety of strategies including government, retail prime and tax-exempt funds. | Individual bonds allow for a tailored plan using specific strategies to meet goals and support long-term needs. |
| Learn more | Learn more | Learn more | Learn more | |
| Everyday Spending Solutions | |||
|---|---|---|---|
| Capital Access cash management account5 | Cash Sweep Programs | ||
| Inter Consultant Bank Deposit Program (ICBDP)6 | Client Interest Program (CIP)7 | ||
| Description | Cash management account for handling day-to-day finances – like a checking account. | Programs that diversify cash holdings across multiple banks, with same-day liquidity. | Pays interest on cash awaiting investment; cash may be held in high-quality U.S. Treasury securities or qualifying instruments. |
| Offered through | Inter Consultant | Inter Consultant | Inter Consultant |
| Current interest rate/Annual Percentage rate | Rates determined by selected Cash Sweep option — see Cash Sweep rates. | 0.20% – 2.75% (illustrative) | SIPC and excess SIPC |
| FDIC insurance or SIPC protection | Coverage determined by selected Cash Sweep option. | “Sweeps” funds to multiple banks; each bank provides FDIC insurance up to $250,000 allowing combined FDIC insurance up to $3 million6. | SIPC and excess SIPC |
| Features and other information |
Access to ATMs worldwide, Mobile Check Deposit, Mobile Wallet, Mobile Bill Pay; 24/7 fraud monitoring, text alerts, free checks and debit card. Retirement accounts use Inter Consultant Bank with check writing. |
Cash is deposited into interest-bearing accounts at up to 12 banks. | Remaining cash may be used in company business operations when applicable. |
| Learn more | Learn more | Learn more | |
Important disclosures
Enhanced Savings Program (ESP) — Offer is subject to availability. Terms and conditions apply. Interest rate may change after the account is opened. Qualifying cash may vary and is generally defined as net new money brought to Inter Consultant. Program is online-only; clients must have an email address on file to enroll. ESP relies on the services of third-party deposit networks to place deposits at FDIC-insured institutions. Inter Consultant is not affiliated with those institutions.
CDs — Certificates of Deposit are FDIC insured up to $250,000 per depositor, per insured bank. Products, rates, terms and conditions are subject to change. Brokered CDs may be sold prior to maturity in the secondary market at prevailing prices.
Money Market Funds — You could lose money by investing in money market funds. An investment in the fund is not insured or guaranteed by the FDIC or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. Read the prospectus carefully before investing.
Short-Term Fixed Income — Interest on municipal bonds is generally exempt from federal income tax, but may be subject to the alternative minimum tax or state/local taxes. Market conditions may affect price and liquidity.
Margin & Capital Access — The daily withdrawal limit is based on account balances and aggregate loan value (subject to approval). A margin account may not be suitable for all investors and involves a high degree of risk. Market conditions can magnify potential for loss. See sec.gov/investor/pubs/margin.htm for more information.
Inter Consultant Bank Deposit Program (ICBDP) — Adds FDIC insurance coverage, up to applicable limits, at the insured institutions participating in the program. Deposits are automatically “swept” to interest-bearing accounts at multiple banks. Contact your advisor for details on FDIC coverage.
Securities are: not bank deposits; not insured by the FDIC or any other government agency; not guaranteed by Inter Consultant; and may lose value. Diversification does not guarantee a profit or protect against loss.
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