FICA® consists of a series of electronically linked federally insured deposit accounts. Deposits in FICA® are liquid, earning same-day credit on purchases and providing next-day liquidity on redemptions with no transaction fees or redemption gates. Backed by the full faith and credit of the U.S. government, deposits in FICA® have no price volatility, credit, counterparty or market risk. FICA® seeks to provide a competitive yield spread over treasury and government money market funds and direct government securities.

FICA® For Impact is one of the first cash solutions designed to address individuals and organizations’ growing need for impact solutions. FICA® For Impact seeks to safely generate a competitive yield on cash balances while maintaining high levels of FDIC insurance and leveraging the community banking system to drive small business lending and community reinvestment in all 50 states.

ICA® provides treasurers access to highly rated and money fund eligible banks via a single, convenient account. Developed in response to the changing regulatory environment that has forced many banks to seek a new source of funding, ICA® enables you to have funds with only those banks which meet your investment policy requirements.

We provide asset/liability consulting to a number of non-depository administrators seeking pass through FDIC insurance for large cash balances resulting from many underlying client accounts. By serving as an asset/liability consultant to the administrator, StoneCastle Cash Management helps to match the funding needs of potential depository banks with the treasury management needs of the administrator.  In addition, we conduct credit analysis and perform other diligence and advisory tasks on potential depository banks on behalf of our clients.