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Investment & Liquidity Management

Solutions to track and achieve your liquidity and investment goals.

In today’s rate environment the benefits of active liquidity management are enhanced more than ever. Key’s liquidity management solutions are designed to help you efficiently manage your short-term cash balance.

Short-term cash balances can be managed in three ways

  • Operational cash is cash needed for day-to-day operations. These funds are generally held in investments that are very liquid and provide immediate access.
  • Reserve cash typically serves as a cushion for unforeseen events. The investment strategy for this is fairly conservative and the funds are usually held in a savings account.
  • Strategic cash is reserved for a particular purpose and period of time and is held in time deposits or liquid vehicles to achieve a higher yield. Our Relationship Managers work with you to determine the best combination of accounts to achieve your liquidity and investment goals.

Solutions

KeyBank offers a variety of services to help you manage your cash and investments:

  • Demand Deposit Accounts with earnings credit or interest
  • Interest on Excess Accounts
  • Escrow & Sub-Accounting Services
  • Zero Balance Accounts (ZBAs)
  • Cash Processing: Vault and Branch services
  • Sweep Accounts:
    • Automated Investment Sweep (AIS)
    • Commercial Interest Sweep
    • Credit Sweep
    • Automated Repurchase Agreement Sweep
  • Money Market Deposit Accounts
  • Certificates of Deposit

Mergers & Acquisitions

Leverage Our Investment Banking Expertise

Mergers & Acquisition

Consumer & Retail

Offering Specialized Expertise for Investments

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Investments are:

NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Without limiting the foregoing, shares of a Federated Money Market Fund are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by KeyBank or any affiliates or subsidiaries of KeyBank, and are subject to investment risk, including possible loss of the principal amount invested. Shares of the Federated Money Market Funds are not insured or guaranteed by the U.S. Government, any state government or any U.S. or state government or government-sponsored agency. Although the money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in money market funds.

These fees for services shall be in addition to, and will not reduce, Key’s compensation for other services to your account. Such fees for services will not be paid directly by your account, but will be paid to Key by the Non-Proprietary Mutual Funds company (i.e., Federated Investors, Inc. or its affiliates) or the Non-Proprietary Mutual Fund (i.e., the Federated Money Market Fund) itself. The compensation to be paid by Federated (or its affiliates) as such fees for services can be up to 0.10% (10 basis points) annually. The compensation paid by the Federated Money Market Fund out of fund assets can vary, is disclosed in the prospectus for the Federated Money Market Fund, and can be up to 0.25% (25 basis points) annually of the total amount of the account assets invested in the Federated Money Market Fund.

Federated Securities Corp. is the distributor of the Federated money market funds.

Banking products and services are offered by KeyBank N.A. Member FDIC and Equal Housing Lender. All credit products are subject to collateral and/or credit approval, terms, conditions, availability and subject to change. Key.com is a federally registered service mark of KeyCorp.

This material is presented for informational purposes only and should not be construed as individual tax or financial advice. KeyBank does not provide legal advice.

KeyBank is Member FDIC.

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