Better Cash Management
Market Savings uses a new approach to savings and investment technology to help corporations and individuals optimize their cash management without sacrificing security or access.
FDIC-Insured³ Savings
Market-Driven Yield.
Deposit Security.
Full Liquidity.
Market Savings delivers everything you value in your current bank account—safety and instant access—with one important difference: each month you earn market investments instead of traditional interest. Same access, same security—just higher yield potential through market-driven returns.¹
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Market-Powered Returns
Instead of interest, you receive monthly investment allocations that track real market performance—giving you the potential for higher returns than traditional savings accounts.
FDIC Protection
Your principal deposit remains fully insured by the Federal Deposit Insurance Corporation³ — it never gets invested and is never subject to market risk.
Instant Liquidity
Access your money anytime with same-day transfers—no waiting periods or withdrawal restrictions.
How it works
Step 1
Your funds are held in an FDIC-insured bank account³. Put cash in, pull cash out as needed.
Step 2
Each month, you receive investment allocations in your selected portfolio based on your prior month’s cash balance.
Step 3
Track everything—cash balance and investment performance—through your Market Savings dashboard.
Choose Your Investment Strategy
Select the portfolio that aligns with your risk tolerance and investment objectives.
S&P 500 Risk-Controlled Portfolio
The S&P 500 Risk-Controlled portfolio follows the S&P 500 Index, and adjusts the level of exposure upward or downward daily to maintain a stable level of volatility.
Nasdaq 100 Risk-Controlled Portfolio
The Nasdaq 100 Risk-Controlled portfolio follows the Nasdaq 100 Index, and adjusts the level of exposure upward or downward daily to maintain a stable level of volatility.
Save US Macro Portfolio
The US Macro portfolio seeks to generate returns by allocating across asset classes using macroeconomic variables such as interest rates, inflation and the US dollar. This portfolio focuses on the US equity and bond markets, along with commodities.
Save ESG Portfolio
The ESG portfolio utilizes a sophisticated, rules-based investment approach that seeks to maximize the consistency of returns while allocating across a range of asset classes and regions. ESG-focused ETFs are selected where possible, while certain assets are excluded.
Higher Return Potential,
Same Security, Full Access
Investment growth potential meets FDIC³ safety and instant liquidity.