Here are important summary points when considering the Demand Deposit Marketplace® (DDM) program as an alternative to money market mutual funds:

FDIC Insurance

  • Access to high levels of FDIC insurance through participating banks in the program that money market mutual funds and traditional bank DDA, MMDA and CDs do not offer.

Risk Mitigation

  • FDIC insurance reduces risks associated with money market mutual funds.


  • Daily liquidity with late cutoff times.


  • Potential yields and other benefits are competitive to other sweep options

Funding Source

  • Reliable, stable funding source that can be placed on your balance sheet, which is not possible with money market mutual funds.

System Integration

  • Fully integrated with most major Trust Accounting Systems.

Learn more about the Reich & Tang deposit, liquidity and funding solutions.

04 Key Takeaways