What is Embedded Treasury Management (EMT)?

Embedded treasury management is the bundling of a high-yield checking/savings account and treasury money storage offered to a consumer or business from a non-financial provider. The product consists of the following:
  • High-yield checking/savings account with excess FDIC protection through a partner bank network (in some cases as much as $50 million in FDIC insurance)
  •  A "spendable" Treasury Bill storage account that utilizes robo-advisory technology to automatically buy and sell T-Bills at a desired maturity and/or liquidate on demand for cash needs
  • - No minimum balance requirement
  • - Debit card access
The account functions similarly to a Brokerage Cash Management Account (diagram below).
Contact
(888) 212-9940
​​[email protected]
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Advisory services offered through Polaris Financial, LLC doing business as Credit Union Wealth Group. Polaris Financial, LLC is a SEC registered investment advisor. 6 Liberty Square #2663 Boston, MA 02109. All rights reserved. Brokerage services provided to clients of Polaris Financial, LLC by Altruist Financial LLC and/or Interactive Brokers Group, registered broker-dealers and members FINRA/SIPC. Past performance is no guarantee of future results. All securities involve risk and may result in loss. Nothing in this communication should be construed as a solicitation or offer, or recommendation, or advice to buy or sell securities or services. 
Investments in securities: Not FDIC Insured - Not NCUA Insured - No Bank Guarantee - May Lose Value. 
Credit Union Wealth Group has a partnership with credit unions to provide investment advisory services to their members. The credit unions are not investment clients of Credit Union Wealth Group but have a revenue sharing relationship that can create a conflict of interest.