Fortifying a castle
takes more than
a single stone–
or even a handful.

Same for your clients’ cash.

That’s what differentiates KEEP. It has sturdy walls made up of more than 1,000 insured depository institutions that have secured client deposits for more than 15 years.

With one account…

Your clients are safeguarded by an impervious wall built from a network of more than 1,000 insured depository institutions. Each institution acting as a strong, protective stone, creating a formidable barrier that offers unmatched security and principal protection, even for your wealthiest relationships.

We Offer Support for Multiple Client Accounts*

How KEEP
Works

Step 1:

Application

Online applications are secure, quick, and easy. You can even prefill it for your clients (especially your best clients).

Step 2:

Account Opening and Deposit

As agent, StoneCastle submits your client’s application through our direct integration with the program custodian for account opening. Once approved, your client’s custody account is immediately ready for deposit by wire or ACH.

Step 3:

Allocation

The program custodian receives your client’s deposit and StoneCastle provides instructions
to allocate client deposits across KEEP by StoneCastle’s network of 1,000+ insured
depository institutions.

Step 4:

Access & Transparency

Daily to-the-penny transparency and reconciliation of individual client deposits in each insured depository institution are available on the client portal.

Step 5:

Liquidity

Flexible withdrawal options, including overnight liquidity to a linked bank or
investment account. 

Gain Access…

To one of the most robust federally insured programs in the advisory space

You and your clients’ benefit from institutional expertise with a keen focus on safety, tailored for the unique needs of individual clients.

Click to see how each benefits!

  • 24/7 online access to dashboard of all client accounts
  • Seamless integration with portfolio/data aggregators bring client cash into view/statements
  • Discretionary transaction capability
  • Fulfill fiduciary responsibility in potentially increasing rate while decreasing client risk
  • Turnkey marketing and client service support
  • Simple online account application
  • Account seamlessly linked to their bank or brokerage/advisory accounts so they can move money as often as they like
  • Will receive one 1099 from the program custodian
  • 24/7 online access to account information and transaction capability
  • Remain anonymous to program institutions

Integrated Platforms

KEEPing everything connected

Don’t see your platform?

We KEEP you connected through these integrated platforms

  • Addepar, Inc.
  • Advent Software
  • Advisor360, LLC
  • AdvisorEngine
  • Advisors Assistant
  • Advyzon
  • Albridge Solutions, an affiliate of Pershing LLC
  • AppCrown, LLC
  • Arcons Technology, Inc.
  • Artisan Software, Inc.
  • AssetBook, Inc.
  • ASC Brokersoft
  • BDEqualizer Corp.
  • Black Diamond Performance Reporting
  • Bridge Financial Technology
  • Broadridge Financial Solutions
  • Broker Dealer Solutions, Inc.
  • Broker Portfolio Systems Inc.
  • CircleBlack, Inc.
  • Cross Point Solutions Inc.
  • Dynamic Wealth Advisors
  • EAI Information Systems
  • Ebix, Inc.
  • Envestnet Asset Management
  • Financial Database Services, Inc.
  • FinFolio, Inc.
  • First Rate, Inc.
  • Fiserv, Inc
  • Foxtrot Software
  • Fund Manager - Advisor
  • Fusion Advisor
  • Fusion Capital Management
  • GeoWealth
  • Inscomm Software, Inc.
  • Interactive Advisory Software, Inc.
  • Intra-Agent Services
  • Investigo Corporation
  • Investor Force Inc. InvestorForce Performance Repo
  • jaccomo
  • Kosmos Software Services
  • Morningstar, Inc.
  • Mountech Software LLC
  • North American Software, Inc.
  • NO SWEAT Software
  • Open Finance LLC
  • Orion
  • Overdorf Systems Consultants, Inc
  • PortfolioPathway LLC
  • PortfolioShop, Inc.
  • Quadron Data Solutions, affiliate of Fetter Logic
  • Quest Financial Resources Inc.
  • Quovo Inc.
  • Sapphire Software Services, Inc.
  • Schwab Performance Technologies
  • SS&C Technologies Inc
  • Summit Wealth Systems Inc
  • SunGard
  • Techmate, Inc.
  • Terrapin Technologies, Inc.
  • TRX
  • Winsoft
  • XTIVA Financial Services

Frequently Asked Questions

  • It is available to all non-retirement accounts.

  • No, it is not. It is a custodial deposit account.

  • Deposits in KEEP are federally insured up to $100 million per tax ID.

  • 1,000+

  • The advantage of having 1,000+ insured depository institutions is rate stability and diversification. Network diversification becomes meaningful when the economy slows because a real percentage of banks reduce or stop funding. A quick way banks reduce their funding is by decreasing the price they are willing to pay for deposits.

    In programs with only a few insured depository institutions, if one or more of them reduce the price they are willing to pay or stop taking funding altogether, it can have immediate effect on rate to end clients and may even negatively affect the level of insurance on their cash. Having 1,000+ insured depository institutions that are geographically diverse across the country is better protected and has a built-in hedge against this scenario.

  • Yes. On the account application clients can specify which to exclude. This ensures no more than $250K will be deposited into any depository institution they may currently have deposits at.

  • Please discuss with your StoneCastle Regional Sales Manager.

  • Yes. KEEP Impact is an option within the KEEP platform. By choosing this option, clients automatically opt out of all insured depository institutions that don’t fit the impact criteria.

  • Yes. Please speak to your StoneCastle representative for more details.

  • Yes. KEEP integrates with all major data aggregators and portfolio software platforms.

  • Yes. You receive 100% turnkey marketing, sales, and client support to assist you in creating awareness and reaching clients with tested and proven messaging for emails, letters, and web content.

  • You will receive a link from your StoneCastle representative. To login simply enter your email address as your username. First time users, click “Establish a Password” and follow the steps.

  • A simple online application will be made available to your clients through a custom link. The application takes less than 5 minutes to complete and can be prefilled by the advisor. (Paper applications available upon request).

  • Through their online portal, clients can link KEEP to an external account via ACH or via Fed wire.

  • Yes, this can be established through the portal.

  • One. Clients will only receive a 1099 from the program custodian.

  • Interest is accrued daily and paid monthly.

  • Clients have 24/7 online access. Here they can look up balance information, see current and past statements, effect transactions, see how much of their deposits are being held at each insured depository institution at any time, etc.

  • Yes. You will have 24/7 access to the advisor dashboard on the keepcash.com portal, which details each of your clients that utilize KEEP and provides access to each (clients will grant you access when completing the simple application).

  • The KEEP rate is largely tied to the Federal Funds Rate and will generally move in line with Fed rate increases/decreases. Advisors are notified 1-2 business days ahead of any rate change to give you ample time to inform clients, modify communications, website, etc. Once the rate is changed, it will appear on client statements.

  • On your keepcash.com portal.