3.56% APY¹
Help clients earn more on everyday cash with competitive yields, daily liquidity, and a seamless digital experience.
Cash Management
Put client cash [[to work]]
Give clients a competitive, FDIC-insured cash solution without sending them outside your practice. Fispoke helps advisors transform idle cash into an intentional part of every financial plan.
CASH MANAGEMENT SOLUTIONS
High-Yield Savings [[built for advisors]]
- 3.56% APY¹
- No minimum balance to open
- No minimum balance to earn interest
- Start earning interest immediately
- Interest compounds daily
Extended FDIC Coverage
Protect larger cash balances through a network of participating banks while maintaining one simple client experience.
- Up to $28.25M in FDIC insurance2
- One account
- One statement
- Automatic cash allocation across participating banks
- Daily liquidity
Flexible account options
Designed to support clients across every stage of life with account types that fit their needs.
- Individual accounts
- Joint accounts
- Trust accounts
- Businessaccounts
- Easy digital account opening
- Complimentary ACH transfers
Build a Differentiated Practice
Offer your clients private banking and lending capabilities typically reserved for the largest firms—without adding operational complexity. Fispoke becomes an extension of your business, helping you deepen relationships, attract new clients, and deliver more value through every interaction.
What You Gain
- White-glove private banking and lending support
- High-yield savings, lending, and cash management solutions
- Branded marketing materials and client resources
- Dedicated specialists supporting you and your clients
Scale Without Building a Banking Department
As your firm grows, your clients expect more than investment management. Fispoke helps you expand your capabilities with banking and lending solutions backed by experienced professionals, allowing your team to grow efficiently while maintaining a personalized client experience.
Built for Growth
- Expand your service offering without increasing headcount
- Streamline client banking and lending workflows
- Strengthen client retention with integrated financial solutions
- Dedicated relationship management for advisors and clients
Enterprise Capabilities. Boutique Service.
Support every advisor across your firm with consistent access to private banking, lending, and cash management solutions. Fispoke delivers scalable infrastructure and concierge-level service that enhances your firm's client experience while reducing administrative burden.
Designed for Larger Teams
- Standardized banking and lending experience firm-wide
- Centralized servicing backed by dedicated specialists
- White-labeled advisor and client resources
- Flexible solutions for clients with complex financial needs
Get Started
Talk to our sales team and get to know the products we offer
Related Insights
From the [[Fispoke desk.]]
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Cash Management
High Yield Savings Accounts: The Swiss Army Knife for Strengthening Multigenerational Relationships
A simple savings account for your kids or grandkids could be the easiest way to keep your family's financial relationship — and better rates — in the family for generations.
November 19, 2025
FAQ
Frequently Asked [[Questions]]
Can't find what you're looking for? Our team is here to walk you through the platform end to end.
Fispoke combines competitive yields, digital account opening, and extended FDIC insurance through participating banks into a single advisor-centric experience designed for wealth management clients.
Eligible deposits are distributed across participating banks within the deposit network, allowing clients to access coverage beyond standard FDIC insurance limits while maintaining a single account relationship.
No. There is no minimum balance required to open an account, and interest accrues on all balances.
Yes. Clients can link external financial institutions and transfer funds through a simple digital experience designed for everyday liquidity.
Absolutely. Cash management becomes another planning tool, helping advisors manage liquidity, emergency reserves, tax strategies, and short-term goals alongside investment portfolios.
Yes. Fispoke's platform is designed to support your firm's brand while providing a seamless client experience from account opening through ongoing servicing.
Get Started
Simplify wealth management [[and banking today.]]
Book a 30-minute walkthrough. We'll show you the full platform, pricing structure, and your onboarding timeline.
Products
Cash Management
Help clients make the most of their cash with banking solutions that complement their investment strategy—all backed by dedicated, white-glove service.
- Competitive High-Yield Savings
- Advisor-branded banking experience
- Dedicated servicing team
Advisor Financing
Empower advisors to invest in the future of their firms with financing solutions built specifically for the wealth management industry. From acquisitions to succession planning, access capital with confidence.
- Practice Acquisitions
- Succession Planning
- Growth Capital
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Credit Cards
Strengthen your firm's brand with premium credit card solutions designed for advisors and their clients. Deliver everyday value while extending your firm's presence beyond the investment relationship.
- Advisor-Branded Cards
- Personal & Business Options
- Premium Rewards
Custom Credit
Some lending needs don't fit inside a traditional credit box. Our custom credit solutions are built for complex financial situations, providing flexible structures backed by experienced underwriting and relationship-driven service.
- Business Lending
- Commercial Real Estate
- Specialized Credit Solutions
Real Estate Lending
Support clients through every stage of homeownership with mortgage solutions designed for affluent borrowers. Whether purchasing, refinancing, or leveraging home equity, provide a seamless lending experience backed by dedicated specialists.
- Purchase Mortgages
- Refinancing
- Home Equity Loans & HELOCs
Securities-Backed Lending
Unlock liquidity without disrupting investment strategies. Clients can access capital using eligible portfolios as collateral while remaining invested and preserving long-term financial plans.
- Portfolio Line of Credit
- Flexible Access to Liquidity
- Competitive Lending Solutions
