We want to make it as easy as possible for trust advisors to act in the best interest of their clients.
Our Insured Deposit Program (IDP) offers fiduciary advisors and their clients the opportunity to obtain extended FDIC insurance, same day liquidity without the risk of NAV volatility or gates and fees, and net yields that have consistently outperformed government and treasury money market funds. Our loan management system (LMS) provides the ability to automate the underwriting and monitoring of securities-based lines of credit.
When used in combination, the TBS IDP and LMS solutions deliver a stable source of deposit funding banks can use to fund securities-based lines of credit from affiliated bank trust departments and independent trust companies.
Fiduciary advisors and their clients have the opportunity to obtain extended FDIC insurance.
Pay 100% of the rate to all/select client types, or elect to retain a service fee in an amount of your choosing. You can further maximize your revenue options by tiering rates across clients via flat fees, a percentage of net rate, or any combination thereof.
The TBS Insured Deposit Program fully integrates with trust accounting platforms such as:
Offer clients the ability to obtain securities-based lines of credit at attractive rates using their securities as collateral.
Total Bank Solutions has decades of experience serving the needs of fiduciary advisors, combining deep industry experience with superior business processes and technology to enhance their offerings to provide differentiating value to clients, gain efficiency, and drive growth. From program setup and implementation to daily reports and account reconciliation, we can do it all.
Our solutions offer extensive back-office systems integration, standardized reporting and data exchange capabilities along with robust risk management.