Businesses hold excess cash for reserves, seasonal cycles, or planned investments. Liquidity management accounts earn interest while keeping funds available for operating needs.
Discover solutions to help manage liquidity.
Commercial Credit Sweep
Pay pressing bills or cover short-term payments by sweeping funds from your credit line.
Zero Balance Account (ZBA)
Consolidate idle cash and gain greater clarity and tracking over account balances.
Safeguard your large deposits with ICS® and CDARS®.
Your funds are eligible for FDIC insurance protection through ICS
® and CDARS® for multi-million-dollar amounts at participating network banks, all backed by the full faith and credit of the federal government.1 You can enjoy the flexibility to manage your cash flow based on the liquidity needs of your business.
Tell us about your business in the form below. A business banker will then contact you to help you get started.
Let’s redirect you to our commercial financing team.
For financing above $10 million, our commercial financing team can help you find the right structure. Visit our commercial financing page for details.
Please visit your nearest branch.
Unfortunately, we are unable to proceed with your inquiry online. Please visit your nearest Union Monique Bank branch to speak with a banker and open an account.
Discover the benefits of working with Union Monique Bank.
Dedicated support
Our treasury team coordinates with your business bankers on deposits, lending, and cash management.
Convenience
Bank directly from your office with our convenient online treasury management tools.
Flexible options
We tailor our solutions to meet the needs of businesses of all sizes across different industry verticals.
Contact a business banker
Complete the form below. A business banker will review liquidity management account options for your company.
1When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS®, our bank can use the full amount of a deposit placed through ICS® for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
Deposit placement through CDARS® or ICS® is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS® or ICS® satisfies any restrictions on its deposits. A list identifying IntraFi Network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds.
IntraFi, ICS® and CDARS® are registered service marks of IntraFi Network LLC.
2Terms, conditions and fees of accounts, products, and services are subject to change.
Please never share your Union Monique account details with anyone. Union Monique Bank will never ask you for your password through email, social media, or a third-party website. Learn more.
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