Maximize Your Company’s Cash and Capital with M&T Bank's Liquidity Solutions
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{{d434*}}
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{{d1169*}} — 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{{d1123*}} — Cash management solution to expand FDIC insurance. Earn a competitive interest rate while ensuring your money is insured past the standard of $250,000. Learn more >
Automated Loan Sweep{{d420*}}
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
Stale Date Protection – avoid outdated check fraud with automatic rejection of old checks.
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 Insured 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 Insured Cash Service, Wilmington Trust Money Market Fund Sweeps, interest/dividend is earned daily and posted monthly.
The interest rate differs depending on the type of sweep service you select. Money Rate Sweep and M&T IntraFi Insured Cash Service rates are tiered based on the balance in the sweep account. Wilmington Trust Money Market Fund Sweep rates are not tiered and change daily. Speak to a Treasury Management Consultant for details.
Yes, during implementation you will specify a target balance. After all deposits, checks and other debits and credits post to your account, available funds above the target balance and less than the maximum investment amount will automatically sweep.
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.
