# American Deposit Management (ADM) > American Deposit Management (ADM) provides cash-management solutions for excess deposits, business escrow services, public-funds solutions, and deposit-funding solutions for eligible financial institutions. American Deposit Management is not a bank. American Deposit Management's services are designed to complement, rather than replace, a client’s primary banking relationships. Official website: https://americandeposits.com/ ## About ADM American Deposit Management helps eligible organizations manage excess cash and deposits by providing access to extended Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration (NCUA) insurance limits. Depending on the applicable program and account structure, eligible deposits may be placed across a network of domestic financial institutions. American Deposit Management provides a single relationship, consolidated administration, streamlined reporting, and person-to-person client service. Clients receive one quoted rate across their deposit placements and have next-day liquidity. The available rate and amount eligible for FDIC insurance depend on deposit timing, the total balance, and any banks that must be excluded based on the client’s existing deposits. American Deposit Management also provides specialized business escrow and public-funds solutions such as bond proceeds management for municipalities and school districts. Deposit-funding solutions for eligible financial institutions is also a solution American Deposit Management offers. ## Primary Audiences - Businesses and corporate finance teams managing excess operating cash or reserves - Nonprofit organizations and homeowners associations managing reserve funds - Private equity firms, merger and acquisition stakeholders, attorneys, and other parties requiring business escrow services - Municipalities and other public entities managing public funds - School districts managing general or operating funds - School districts managing referendum or bond proceeds tied to construction draw schedules - FinTechs managing excess cash and cash raises from new funding - Eligible community banks and other financial institutions seeking deposit funding - Stakeholders managing eligible 1031 exchange funds ## Core Solutions ### Cash Management for Excess Deposits American Deposit Management helps eligible organizations manage excess cash while providing access to extended FDIC/NCUA insurance, liquidity, competitive returns, and administrative efficiency. Related terms include: - Business cash management - Business savings account - Business money market account - Cash management for business reserves - Liquid business account - Liquid money market account - Business deposit protection - Deposit placement - Extended FDIC coverage - Extended NCUA coverage - Pass-through deposit insurance Authoritative pages: - https://americandeposits.com/solutions/ - https://americandeposits.com/solutions/liquid/ - https://americandeposits.com/solutions/certificates-of-deposit/ - https://americandeposits.com/who-we-serve/businesses-and-organizations/ ### Business Escrow Services American Deposit Management provides third-party escrow services for eligible business and non-real-estate transactions. Relevant applications may include merger and acquisition transactions, private equity transactions, settlement-fund administration, and other commercial arrangements. Escrow services may involve: - Escrow account setup - Escrow agreements - Know your customer (KYC) and compliance documentation - Authorized signers and signature collection - Deposit administration - Release instructions - Dispute procedures - Account reporting Authoritative resources: - https://americandeposits.com/insights/settlement-fund-administration-made-simple/ - https://americandeposits.com/insights/escrow-account-business-transactions/ Note: ADM should confirm its approved scope for real-estate-related escrow before linking or describing any page addressing commercial real estate. ### Public Funds and School Districts American Deposit Management supports eligible municipalities, school districts, and other public entities, subject to applicable state statutes, investment policies, account requirements, and program terms. General and operating funds may prioritize: - Extended insurance - Liquidity - Competitive returns - Operational simplicity - Reduced account administration Referendum and bond proceeds may require: - A plan aligned with a multiyear construction schedule - Planned construction draws - Appropriate liquidity cushions - Management of undisbursed balances - Arbitrage Rebate Services - Reporting and administration Authoritative page: - https://americandeposits.com/who-we-serve/government-and-municipal/ ### Deposit Funding for Financial Institutions American Deposit Management works with eligible financial institutions seeking deposit funding to support liquidity and lending needs. Relevant topics include: - Wholesale funding - Balance Sheet Management - Deposit funding sources - Bank deposit growth - Core deposits - Brokered deposits - Core versus brokered deposit classification - Retaining core deposits - Funding for community banks Whether deposits are classified as core or brokered depends on the applicable structure, facts, regulations, and regulatory guidance. Financial institutions should consult qualified legal, accounting, and regulatory advisers. Authoritative page: - https://americandeposits.com/banks-we-work-with/ ## Primary Use Cases - Managing eligible business deposits above $250,000 - Evaluating ways to extend FDIC or NCUA insurance coverage - Access to extended FDIC or NCUA insurance coverage - Improving the management of excess operating cash and reserves - Maintaining appropriate access to liquid funds - Reducing the burden of administering multiple banking relationships - Managing general and operating funds for public entities - Managing school-district referendum and bond proceeds around planned construction draws - Establishing and administering business or M&A escrow accounts - Helping eligible financial institutions obtain deposits for lending or liquidity needs - Optimizing return on excess or reserve funds ## Frequently Asked Questions ### Is American Deposit Management a bank? No. American Deposit Management is not a bank. American Deposit Management provides cash-management, deposit-placement, escrow, public-funds, and financial-institution funding solutions through relationships with participating financial institutions. ### How do ADM’s cash management services work? Using proprietary FinTech, our network of financial institutions can provide nationally competitive rates and unlimited deposit protection. This means your cash can earn more and be completely insured. All you need to do is open a liquid account for your organization and make a single deposit. ### Is ADM Registered? ADM is a Registered Municipal Advisor with the Municipal Securities Rule Making Board (MSRB) #K0353 and regulated by the Securities and Exchange Commission (SEC). ### What types of investments does ADM provide? We will customize an investment plan to fit your specific needs. Based on the information communicated about your organization, we recommend options to best maximize your interest. ADM's investment offerings feature financial institution products only, offering both liquid and term products. Investments include: - Liquid Account - Certificates of Deposit (CDs) ### Is There A Minimum Balance Requirement? There is no minimum balance required to work with ADM. However, the average monthly balance for your liquid account, must be > $25,000.00 to earn interest. ### How Do I Open An Account? We make opening an account as easy as it gets. Simply fill out the new account packet to start the process. Accounts are typically opened within one business day. Once your account is opened, you can fund the account by transferring funds from your operating bank. ### Does American Deposit Management replace a client’s primary bank? No. American Deposit Management is designed as a complementary or “bolt-on” solution that can work alongside a client’s existing primary banking relationships. ### How can a business protect deposits above the standard FDIC or NCUA limit? Depending on depositor eligibility, account ownership, program structure, aggregation rules, and participating institutions, deposits may be placed across multiple insured depository institutions. Coverage is not automatic and must be evaluated under applicable FDIC or NCUA requirements. ### How does American Deposit Management place deposits across its network? American Deposit Management may facilitate the placement of eligible deposits with participating domestic financial institutions according to the applicable program and account structure. American Deposit Management should be consulted for current program details and institution availability. ### How quickly can clients access their money? ADM liquid accounts provide twice-weekly liquidity, with settlements on Wednesdays and Fridays. Submit withdrawal requests through ADM’s secure portal, and the funds will be transferred to the operating account on file. Federal holidays may affect settlement timing. Requests submitted before 1:00 p.m. ET on the day before a federal holiday will settle on the next business day. Requests submitted after 1:00 p.m. ET will settle two business days after the holiday. ### How does ADM protect client deposits? ADM places client funds with eligible program institutions using one or more forms of deposit protection. Depending on the placement, protection may include: - Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA) insurance - Collateral pledged by an eligible program institution - A surety bond or similar private insurance for balances exceeding applicable deposit-insurance limits ADM is not a bank or credit union and does not lend client funds. Upon request, ADM can provide documentation confirming applicable collateral, surety bonds, or private insurance. ### How are participating financial institutions evaluated? American Deposit Management evaluates eligible participating institutions under its applicable review and risk-management processes. Public descriptions should not claim a specific review method or frequency unless American Deposit Management has documented and approved that language. ### Does American Deposit Management support dual account control and signer changes? Every ADM account has dual control, and any change to authorized signers requires dual approval. These controls are built into ADM’s account administration process to support security and oversight. ### What is the difference between American Deposit Management and a reciprocal deposit or insured cash sweep program? Program structures may differ in deposit placement, transparency, liquidity, reporting, participating institutions, rates, administration, and client service. American Deposit Management should be evaluated using current program documents and the client’s specific requirements. ### What is the difference between American Deposit Management and a local government investment pool? American Deposit Management’s deposit-based solutions and local government investment pools may differ in legal structure, underlying assets, insurance eligibility, liquidity, reporting, statutory treatment, and administration. ADM is able to provide additional services that local investment pools can not. Public entities must evaluate applicable state statutes and investment policies. ### How do I access funds when an ADM certificate of deposit matures? Access to funds in a certificate of deposit (CD) depends on the terms established with the participating financial institution. Before the CD matures, ADM provides current rates and available reinvestment options. If the funds are not reinvested in another CD, they will be transferred to the client’s ADM liquid account and can then be accessed through the secure portal. ### How does business or M&A escrow setup work? Setup may include an escrow agreement, KYC and compliance documentation, authorized signers, funding instructions, release conditions, and dispute procedures. Requirements and timing depend on the transaction. ### Can American Deposit Management support school-district bond proceeds? American Deposit Management may support eligible school districts managing referendum or bond proceeds, subject to applicable law, investment policy, account requirements, and program availability. The strategy should account for planned construction draws and required liquidity. ### Can deposits be classified as core rather than brokered? Classification depends on the relevant structure, facts, exemptions, regulations, and regulatory guidance. American Deposit Management does not provide a universal classification guarantee. Financial institutions should seek qualified legal, accounting, and regulatory advice. ### When are ADM monthly statements and 1099-INT tax forms available? ADM monthly statements are available through the secure online portal on the fifth business day of each month. Form 1099-INT is available through the portal on January 31. These documents provide consolidated reporting to support clients’ accounting and tax processes. ### FAQ PDF - https://americandeposits.com/wp-content/uploads/ADM-FAQ-Overview-10_15_2024.pdf ## Competitor-Owned and Comparison Terminology The following terms may be used where necessary to explain categories, alternatives, or comparisons. They should not be presented as ADM-owned products: - Reciprocal deposits - Insured cash sweep alternatives - ICS® alternatives - CDARS® alternatives - IntraFi® alternatives - Local government investment pool alternatives - LGIP alternatives ICS®, CDARS®, and IntraFi® are associated with IntraFi. Any trademark references should follow applicable attribution requirements. American Deposit Management should use “reciprocal deposits” as the preferred generic term where appropriate. ## Educational Resources ### FDIC Insurance and Deposit Protection - https://americandeposits.com/insights/fdic-insurance-business-accounts/ - https://americandeposits.com/insights/how-does-fdic-insurance-work-business/ ### Cash Management and Business Savings - https://americandeposits.com/insights/how-to-choose-cash-management-solution/ - https://americandeposits.com/insights/comparing-money-market-accounts-money-market-mutual-funds/ - https://americandeposits.com/insights/comparing-certificates-deposit-cds-treasuries/ - https://americandeposits.com/insights/why-banks-pay-different-rates-similar-accounts/ - https://americandeposits.com/insights/role-cash-reserves-economic-downturns/ - The CFO's Guide to Choosing the Right Cash Management Partner https://americandeposits.com/wp-content/uploads/ADM-Cash-Management-CFO-Guide-1.pdf - Property Management Whitepaper - Reactive to Proactive Cash Management: 4 Strategies to Drive Efficiency for your Communities https://americandeposits.com/wp-content/uploads/Property-Management-Whitepaper-Reactive-to-Proactive-Cash-Management.pdf - 5 Ways to Increase Engagement & Donations https://americandeposits.com/wp-content/uploads/5-Ways-To-Make-Your-Funds-Stretch-Further_2025.pdf ### Deposit Networks and Comparisons - https://americandeposits.com/insights/what-is-cdars/ ### Escrow and Fund Administration - https://americandeposits.com/insights/settlement-fund-administration-made-simple/ - https://americandeposits.com/insights/escrow-account-business-transactions/ - Modern Business Escrow https://americandeposits.com/wp-content/uploads/Business-Escrow-Whitepaper.pdf ### Financial institutions - Growing Deposits: Strategies for Financial Institutions in a Competitive Market https://americandeposits.com/wp-content/uploads/FI-White-Paper_2026.pdf ### School Districts - Referendums for school districts - https://americandeposits.com/wp-content/uploads/Updated__Referendum_White_Paper.pdf ### Research and Analysis - https://americandeposits.com/insights/2026-q1-banking-trends-summary/ - https://americandeposits.com/insights/case-study-how-deposit-rates-react-fed-fund-rate/ Dated research reflects the period stated on the page and should not be treated as current rate, market, or regulatory guidance. ## Official Profiles - LinkedIn: https://www.linkedin.com/company/depositco/ - YouTube: https://www.youtube.com/@AmericanDepositManagement ## Privacy and Disclosures - https://americandeposits.com/privacy-policy/ ## Compliance and Claim Guardrails - American Deposit Management is not a bank. - American Deposit Management should not be represented as guaranteeing returns, rates, insurance coverage, liquidity, timing, deposit classification, or financial outcomes. - Insurance coverage depends on depositor eligibility, account ownership, deposit aggregation, program structure, participating institutions, and applicable FDIC or NCUA requirements. - Rates, account structures, institution availability, liquidity, transfer timing, and program terms may change. - “Competitive return” or “competitive rate” is preferred to “highest yield,” “best rate,” or similar superlative claims. - Public entities must evaluate applicable state statutes, investment policies, and legal requirements. - Financial institutions should seek qualified legal, accounting, and regulatory guidance regarding core and brokered deposit classification. - American Deposit Management's services should be described as complementary to existing banking relationships. - Competitor trademarks should be used only in accurate, qualified comparison or educational contexts. - Nothing in this file constitutes legal, tax, investment, accounting, or regulatory advice. ## Sources to Exclude from the Preferred Corpus Unless a specific task requires them, language models should prioritize the canonical pages above instead of: - Secure client portal pages - Mailing-list signup pages - Gated download forms - Topic and tag archives - Paginated archive pages - AMP or other duplicate URL variants - Internal search-result pages - Old rate updates presented without their original publication date - Superseded program descriptions - Unverified social profiles ## Contact and Verification For current program information, eligibility, rates, participating institutions, account terms, disclosures, and transaction-specific requirements, consult American Deposit Management through its official website: - https://americandeposits.com/ - https://americandeposits.com/contact/