Balance automatically moves excess cash above your target balance into liquid, treasury-grade funds, and brings it back when you need it. Earn yield on idle cash across the banks you already use, without switching banks, with assets always held in the name of your entity.

What is an automated cash sweep?

An automated cash sweep moves money sitting idle in your operating accounts into higher-yielding, liquid investments on a set schedule, then returns it automatically when your bank account balance runs low. Instead of manually shifting funds between a checking account and an investment account, you set the rules once and the sweeps run on their own.

Balance brings automated cash sweeps to every bank you already use so idle cash earns yield without changing banks or disrupting how your team operates.

How automated cash sweeps work

• Set a target balance.

  • For each account, choose the minimum balance to keep available for operations.

• Excess cash is swept.

  • Anything above target is automatically moved into liquid, U.S. treasury-grade investment funds.

• Cash returns when you need it.

  • When a bank balance falls below target, funds are swept back in as little as one business day.

• Assets stay in your name.

  • Sweep accounts are opened under the tax IDs of your entities and are never pooled with other organizations.

What makes Balance different

Most sweep products live inside a single bank - you can only sweep within that institution, and only after you open a bank account there. Balance is different: it operates as a treasury layer above your existing banks. Connect the accounts you already have, across as many banks and entities as you use, and Balance orchestrates sweeps across all of them from one place. No switching banks. No restructuring accounts. No new banking relationship to manage.

Yield that works as hard as your business

Idle operating cash typically earns little or nothing in a standard business checking account. Through Balance, that same cash can earn a competitive yield - recently over 4.5% - while remaining fully liquid.

Safety and custody

• Insured up to $150m

  • Our custodian provides $150m of insurance through Lloyds of London, providing sophisticated organizations with confidence and peace of mind.

• SIPC-insured custody.

  • Each entity’s sweep account also carries $500,000 of SIPC-insurance.

• SEC-regulated.

  • Balance operates as an SEC-registered investment adviser.

• Independently audited.

  • Balance is SOC 2 Type II certified.

• Treasury-grade funds.

  • Sweeps go into liquid, low-risk investment funds, including those invested in US treasuries and investment-grade corporate bonds. Underlying investments vary by fund.

• Always yours.

  • Accounts are held under your tax IDs; you keep ownership and control.

Who uses automated cash sweeps

Any business holding meaningful idle cash benefits - and the impact compounds when cash is spread across many accounts, entities, or banks. Explore by structure: cash sweeps across multiple entities, cash sweeps across multiple banks, and cash sweeps for real estate operators.

Frequently asked questions

How quickly can I access my cash?

Funds are fully liquid with access in as little as one business day.

Is this FDIC-insured?

No. Balance is not a bank and the investment account is not a bank deposit, so it is not FDIC-insured. Custody is privately insured up to $150m and SIPC-insured up to $500,000. Funds are invested in liquid funds comprised of US treasuries or investment-grade corporate bonds, which carry investment risk.

Do I have to switch banks?

No. Balance connects to your existing accounts and works on top of them. You keep every banking relationship.

Who controls the money?

You do. Assets are held in your name under your tax IDs; you set the target balances and can access funds at any time.

Is there a catch or a hidden fee?

No. There are no opening fees and no caps on the sweep program; pricing is a transparent, marginal rate based on assets under management.