Liquidity & Investments

Liquidity & Investment Solutions

Our Liquidity and Investment solutions help make your money work harder for you. The experts at Ultrimal Investment will work with you to determine the best solutions to maximize your working capital, efficiently manage excess funds and improve your cash flow cycle.  Our solutions can not only improve your liquidity but help you enhance your investment returns to grow your funds.

 

Demand Deposit Accounts

Get more from your commercial checking account with competitive earnings credits, flexible reporting options and detailed account analysis of your account relationships with Ultrimal Investment.


Features & Benefits

  • Benefit from competitive earnings credits to help offset service fees
  • Ability to combine multiple accounts under a single relationship for detailed analysis of account activities
  • Access to all Ultrimal Investment’s Treasury Management services
  • Comprehensive, detailed account reporting options through Ultrimal Investment e-Connect®

Let's Talk

  • Email us
  • Call: +1 929 459 2119

 

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Zero Balance Accounts

Our Zero Balance Account enables you to automatically concentrate your company’s cash from multiple accounts into one primary account to maximize your company’s funds.


Features & Benefits

  • Consolidate cash into one primary account to simplify cash concentration
  • We will automatically fund items presented against your “sub” accounts
  • Improve your reconciliation process through monthly statements that outline details on each “sub” account
  • Allows for separation of duties and greater control over individual accounts.
  • Complements Investment Sweep services to maximize return on idle funds

Let's Talk

  • Email us
  • Call: +1 929 459 2119

 

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Investment Sweep

Our Investment Sweep is an automated investment service linked to your commercial checking account that automatically invests your excess funds overnight to ensure daily liquidity and maximize return on idle cash. 


Features & Benefits

  • Allows you to effectively maximize use of idle funds
  • Flexibility to maximize returns while maintaining control over your daily liquidity needs
  • Daily and monthly reporting to monitor account and investment activities
  • Overnight investments are backed by US Government Securities

Let's Talk

  • Email us
  • Call: +1 929 459 2119

 

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Line of Credit Sweep

Our Line of Credit Sweep helps you maximize your working capital by automatically transferring excess funds from your checking account to pay down your commercial line of credit or draw from your line of credit to cover items presented for payment. 


Features & Benefits

  • Automates the process to pay or draw on your commercial line of credit to accommodate your daily cash flow needs
  • Prevents overdrafts and maximizes utilization of excess balances
  • Helps reduce interest expense on your commercial line of credit and minimize borrowing needs
  • In conjunction with Investment Sweep, allows you to maximize your return on funds and still enjoy the convenience of available credit
  • Minimize your borrowing needs and related expenses while at the same time providing you control over your daily cash needs

Let's Talk

  • Email us
  • Call: +1 929 459 2119
Subject to credit approval.

 

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Money Market

Our Money Market accounts help to keep your cash reserves working for you. Earn competitive returns on your cash reserves without sacrificing liquidity or FDIC insurance coverage.


Features & Benefits

  • Earn competitive interest on your balances
  • Check writing capability*
  • Unlimited transactions at Ultrimal Investment locations
  • Balances can be used to offset monthly account fee

Let's Talk

  • Email us
  • Call: +1 929 459 2119


* Federal regulations restrict you to six pre-authorized, electronic, automatic, or online banking transfers per cycle. The law allows unlimited withdrawals at our teller counters and ATMs. A charge will be assessed for each restricted transfer exceeding six per statement cycle (or checks exceeding three per cycle). Exceeding these restrictions may result in the permanent reclassification or closing of your account.

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Commercial Certificates of Deposit (CD)

Our Certificates of Deposit provide your company with the ability to earn competitive interest on your deposits for idle cash that is not needed for near term operations.


Features & Benefits

  • Wide range of maturities to meet your investment needs
  • FDIC insured up to the maximum amount permitted by law
  • Competitive rates compared to traditional savings accounts

Let's Talk

  • Email us
  • Call: +1 929 459 2119

 

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Let's Talk

  • Call: +1 929 459 2119
  • Find a Branch

 

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We offer a full suite of Loans & Lines of Credit to meet the needs of your business.  Learn More »