Tru Collateralized Deposits Manager

Secure Large Deposits. Strengthen Depositor Confidence.

Retain deposits, serve regulated entities, and position your institution as a stable, long-term partner—Collateralization of Deposits is your solution.

Join our clients who are already capturing deposits and saving time with Tru Treasury

Attract Public Funds

Open the door to deposits from municipalities, schools districts, nonprofits, and more.

Extended Coverage

Provide security for funds above NCUA or FDIC limits—without asking your members to manage multiple relationships.

Build Trust, Win Loyalty

Offer peace of mind that sets you apart and creates space for deeper business relationships.

Confidence That Captures Capital

With Collateralized Deposits, businesses and institutions can safely exceed insurance limits—unlocking larger, long-term deposit relationships.

Grow Deposits. Compete at the Next Level.

Collateralized Deposits help you serve high-value clients, comply with public fund requirements, and win business.

Strengthen Your Liquidity Profile

High-quality, collateralized deposits are typically more stable and longer-term, improving your liquidity management and reducing reliance on short-term funding sources.

Enhance Public Perception and Trust

Offering secure, collateralized options signals financial strength, sound risk management, and readiness to serve sophisticated or risk-conscious businesses.

Unlocking High-Value Opportunities

Many government contracts, grants, and agency partnerships require a financial institution to be eligible to hold public funds. Offering collateralized deposits can make your institution more competitive in securing those opportunities.

How Collateralized Deposits Work

Collateralized Deposits are straightforward to implement—and powerful to offer. Here’s how the process works from setup to protection.

Step 1: Member Makes a Large Deposit

A business, government, or nonprofit member/client places a deposit with your institution that exceeds standard insurance limits.

Step 2: You Pledge Collateral to Protect It

Your institution pledges eligible securities—such as Treasuries or government-backed bonds—as collateral for the uninsured portion.

Step 3: Collateral is Held Safely and Independently

Collateral is held by a trusted third-party custodian (e.g. Federal Reserve or correspondent bank), ensuring full transparency and protection.

Step 4: Member Gains Peace of Mind

The deposit stays with your institution, the member’s funds are fully secured, and you build a stronger relationship without losing deposits to outside sweep networks.