If your business needs to manage multimillion-dollar deposits or maximize FDIC coverage, Legend Bank can help. We evaluate your cash position and recommend practical placement strategies like ICS^® the IntraFi Cash Service^® and CDARS^® that expand protection while keeping the relationship local.

Automate fund transfers and optimize liquidity with Zero Balance and Target Balance Accounts. Whether you’re managing multiple locations or departments, these accounts seamlessly integrate into your deposit strategy to help you maintain precise control over your cash, reduce idle balances, and eliminate manual transfers.

Optimize your banking relationship by turning balances into benefits. With detailed monthly statements and earnings credit calculations, you’ll gain full visibility into your banking activity and offset service fees with the balances you already maintain. It’s a smart way to manage cash flow, especially for high activity or complex account needs.

Make the most of every dollar by automatically transferring excess funds between operating, payroll, and interest-bearing accounts. Sweeps ensure your money is always working for you, maintaining liquidity, reducing the risk of overdrafts, and earning higher interest rates.

A well-crafted deposit strategy is more than just a way to manage funds, it’s a roadmap for long-term financial success. We’ll work with you to design a strategy that helps you optimize liquidity, navigate rate sensitivity, reduce risk, align cash management with growth goals, and balance your priorities with bank performance.