Maximize Your Company’s Cash and Capital with M&T Bank's Liquidity Management
INVESTMENT & LIQUIDITY MANAGEMENT
Our Liquidity Management solutions analyze the ending balances of your commercial checking account and work in harmony to keep your operations fluid and your investments growing.
Automated Investment Sweep{{d420*}}
Make your excess balances work for you and invest in opportunities that align with your liquidity needs.
Money Rate Sweep — M&T Money Rate Sweep{{d1228*}} service links your commercial checking account with an interest-bearing US Dollar deposit account{{d1227*}}. Every business day M&T will post all deposits, checks and other debits and credits to your organization’s checking account{{d323*}}, and excess funds will be automatically invested in an interest-bearing account at M&T Bank
Wilmington Trust U.S. Money Market Fund Sweep — This is an automated overnight investment sweep that invests in a diversified portfolio of direct obligations of the U.S. Government and U.S. Treasury, such as Treasury bills and notes, and repurchase agreements secured by these obligations.
M&T IntraFi Cash Service — Cash management solution to expand FDIC insurance. Earn a competitive interest rate while ensuring your money is insured past the standard of $250,000.
Automated Loan Sweep
Loan Sweep automatically transfers excess funds to pay down line of credit balances or automatically advances funds from a line of credit to meet cash flow needs.
Maximize Efficiency — eliminate borrowing guesswork.
Automatic Advances and Pay Downs – your cash flow is seamlessly managed.
Minimize Interest Payments – borrow only what is needed each day.
Zero Balance Accounts{{d436*}}
Zero Balance Account services automatically transfer funds that exceed a predetermined amount from child accounts into a parent account, and vice versa, ensuring funds are available where and when they are needed.
Efficient Funds Management
Automatically pool or distribute funds across accounts.
Simplified Account Reconciliation
Ease the management of multiple accounts with automated transfers.
M&T Bank is your single point of contact for a network of financial institutions offering access to millions in FDIC insurance coverage and the liquidity your business needs.
Frequently Asked Questions
Sweep information is in the Investment Sweeps section or the Insured Cash Sweep section of Previous Day Account Summary in Treasury Center as well as on their monthly sweep statement
M&T lntraFi Cash Service customers can also see their sweep balances and where their funds are allocated in lntraFi's Depositor Control Panel portal (DCP).
For Money Rate Sweep, and Financial Institutions Sweep, interest is earned and posted daily.
For M&T lntraFi Cash Service, Wilmington Trust Funds and Allocation Investment Sweep, interest/dividend is earned daily and posted monthly.
The interest rates for sweeps are determined through several factors: The Fed Funds rate, competitive influences, and account balances for tiered products.
A signed Client Election Form or an email from a TM Signer is required to update their investment sweep selections, including target balance and maximum investment cap.
Ready to Get Started?
Start a conversation with one of our dedicated team members today to discuss your service needs and learn how you can unlock greater accuracy and efficiency with M&T Bank's personalized solutions. Call 1-800-724-2240 (Monday-Friday 8am-6pm ET) to speak with us or complete the form.
