Liquidity Management Solutions
Get more money out of every dollar you make
Optimize your cash with liquidity management
It's your cash—put it to good use. Liquidity management solutions simplify your daily cash processes through automation. Use your available cash to reduce debt, transfer funds into investments and improve your financial efficiency.
Move funds into specified investments and earn more on checking accounts.
Business sweep accounts
Invest available funds automaticallyD and earn interest.
Liquidity management planning
Get custom solutions with a team of dedicated liquidity management specialists.
Make your money work harder
A full range of products
We offer commercial liquidity management solutions that allow you to automatically invest available cash balances to maximize your capital with minimal effort.
Generate returns, automatically
Excess funds from your business checking account can be used to generate returns on predetermined, short-term investments overnight. Or use available cash to automatically pay down a line of credit. The balances are then transferred back to the original account in the morning.
Maximize your interest income
Sweep fundsD from your checking account into an overnight investment vehicle. After credits and debits have been processed and target balance requirements are met, the remaining collected balances are invested in one of these predetermined investment instruments in $1,000 increments.
Deposit money from anywhere
Earn more from your business
Manage your company
People often ask us
Liquidity refers to cash that's available for immediate use. Liquidity management is a collection of services that helps businesses measure their financial performance and streamline their overhead to make purchases and investments, pay down lines of credit, balance their spreadsheets and maximize capital.
Liquidity management services help your business allocate funds and access capital when you need it. Types of services include:
Business Credit Line Sweep helps to reduce debt by automatically investing your available cash balances, offsetting charges and paying interest costs on business lines of credit.
Business Investment Sweep automates fund transfers from your business checking account into investments every day.
Zero Balance Accounts maximize financial efficiency by concentrating balances to and from a master account. It eliminates manual transfers, helps to prevent overdrafts and automates investments.
Normal bank approval applies.
Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.
First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, Equal Housing Lender; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.
Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.
See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.