Liquidity Solutions

Get more money out of every dollar you make

Optimize your cash with liquidity management solutions

It's your cash—put it to good use. A liquidity management account simplifies your daily cash processes through automation. Use your available cash to reduce debt, transfer funds into investments and improve your financial efficiency.

Automatic investment

Move funds into specified investments and earn more on checking accounts.

Business sweep accounts

Invest available funds automaticallyD and earn interest.

Liquidity planning

Get customized options with a team dedicated to finding the best liquidity services for you.

Find out more about liquidity management

Liquidity Solutions Benefits
Make your money work harder

Use a broad range of products

We offer commercial liquidity management products 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 the next morning.

Maximize your interest income

Sweep funds 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.

Liquidity Solutions FAQ
People often ask us

Liquidity refers to cash that's available for immediate use. Liquidity solutions are a collection of services that help businesses measure their financial performance and streamline their overhead. These services help businesses make purchases and investments, pay down lines of credit, balance their spreadsheets and maximize capital.

Liquidity management services are liquidity solutions that help your business allocate funds and access capital when you need it. Types of services include:

Capital Manager helps to reduce debt by automatically transferring excess funds to pay down lines of credit or pay interest charges on 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. This eliminates manual transfers, helps to prevent overdrafts and automates investments.

You'll want to make sure the line of credit provides sufficient access to funds when necessary while managing potential costs and restrictions.

Key factors to evaluate include:

  • Credit limit availability
  • Interest rates and fees
  • Repayment terms
  • Convenant restrictions
  • Access speed
  • Lender reputation
  • Cash flow forecasting accuracy
  • Alignment with business needs

Liquidity services help identify areas where liquidity can be managed more efficiently by identifying potential liquidity gaps and allowing proactive adjustments to optimize cash usage. Ultimately, these services ensure sufficient funds are available to meet obligations and seize opportunities.

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Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth® (FCW) is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC and an Equal Housing Lender icon: sys-ehl, and First Citizens Delaware Trust Company.

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