Cash Management Services

Do more with your money.  A D’Arcy Wealth Management account is not just for investing. You don’t have to worry about meeting a minimum account balance or monthly banking fees.


Invest in stocks, mutual funds, options, futures, forex, commodities, and bonds.


Earn market rate interest on your idle balances and earn extra income by lending your fully paid shares


Borrow against your account at 2.22% to 3.42% APR1, lower rates than credit cards, personal loans, and home equity lines of credit.2


Spend and borrow directly against your account with Debit Mastercard®. Use your card to make purchases and ATM withdrawals anywhere Debit Mastercard is accepted around the world.

Checking Account

No monthly checking fee and no minimum checking account balance. 


Use online bill pay to simplify expense management to pay almost any company or individual in the United States. Configure Bill Pay for one-time or recurring payments and schedule future payments.

Debit Card Features

Authorize transactions, pre-authorize large purchases, and lock or unlock your card right from your phone with two-factor security authentication.

Android Pay Apple Pay and Samsung Pay are available to clients using the Debit Mastercard. These mobile payment solutions let clients use a smartphone just as they would the debit card.

Click an icon to download the app.





Extended FDIC Insurance

We offer extended FDIC insurance for both principal and accrued interest through our Program Banks.

The total balance in all Retirement Accounts and the total balance in Non-Retirement Accounts are insured separately and are not aggregated together for purposes of insurance coverage calculations.

Our Cash Sweep Program

We automatically deposit money not invested in securities into the FDIC Insured Sweep Program. You have same or next-day access to your funds without penalties, unlike CDs. See current Cash Sweep interest rates

Using Cash in Your Portfolios

You can incorporate cash into your D’Arcy Wealth Management account portfolios. FDIC.CASH earns the same interest rate as it would in the sweep program but cannot be used to cover new purchases, checks or electronic funds transfers because it is held like a security.

Cash held in a portfolio can be given a weight just like any other security. For example, if you want to hold 10% in cash, simply buy the ticker FDIC.CASH and set the weight to 10%. See current FDIC.CASH Interest Rates

Higher-Yielding Cash Investment

FDIC.PLUS is designed for investors who want higher interest rates on larger amounts of cash, with complete safety of capital, and easy next-day access to funds. There is a $25,000 minimum investment to earn interest in this higher-yielding cash investment. Balances below $25,000 do not pay interest. FDIC.PLUS is held in Non-Portfolio Holdings. Learn more about FDIC.PLUS

Important Notes

  • Cash investments are commission-free.
  • Rates automatically adjust depending on the balance in the investment.
  • Cash rates and tiers can change at any time without notice, based on current market conditions.
  • Interest is calculated daily and posted to your accounts monthly.
  • All deposits or withdrawals from FDIC.CASH and FDIC.PLUS will appear in your portfolio holdings, statements, and confirms.
  • Deposits into FDIC.CASH or FDIC.PLUS made before 2 p.m. EST on a business day will generally begin accruing interest on the following business day. Deposits made after that time on a business day will generally begin accruing interest on the second business day.
  • Sweep, FDIC.CASH and FDIC.PLUS deposits are aggregated for FDIC insurance purposes and deposited in the same insured deposit cash account at Program Banks and Direct Banks under our extended FDIC Insured Deposit Program and governed by the terms of that Program. However, FDIC.PLUS deposits stand alone and are not aggregated with any other cash holdings in a customer account to determine rates or tiers.
  • Funds deposited through the FDIC.CASH and FDIC.PLUS mechanism are not available for check writing, withdrawal or ACH. Funds must be held in the automatic Sweep mechanism to be eligible for new purchases, check writing, withdrawal, and ACH. Consequently, you will need to sell FDIC.CASH or FDIC.PLUS to move the cash into the automatic Sweep mechanism the business day before those funds are needed to cover these items.
  • See the Terms and Conditions of the Customer Agreement relating to the Program for additional information.

Margin borrowing is only for sophisticated investors with high-risk tolerance.

You may lose more than your initial investment.

  1. Annual Percentage Rate (APR) on USD margin loan balances is calculated daily.  Interactive Brokers calculates the interest charged on margin loans using the applicable rates for each interest rate tier listed on their website. For additional information on margin loan rates, see
  2. USD credit interest is paid on balances over USD 10,000 in securities accounts with Net Asset Value exceeding USD 100,000. For more information, see

Margin loan rates and credit interest rates are subject to change without prior notice.

BY USING THE INTERACTIVE BROKERS DEBIT MASTERCARD YOU AGREE WITH THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. This card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank© 2014.

All interest and borrowing activity is through Interactive Brokers LLC. Please see your customer agreement with Interactive Brokers LLC for further details.

Card program marketed and administered by Interactive Brokers LLC, the Program Manager of the Interactive Brokers Debit Mastercard.