Secure up to $75M in deposits
Your funds are spread across 400+ FDIC-insured banks via American Deposit Management for up to $75M in coverage.
Protect and grow your cash in one place.
Earn on idle cash with Rho Business Savings while protecting up to $75M in deposits. All from a single Rho account.
Maximize Protection. Earn Interest. Stay Liquid
Move funds when you need them
Seamless transfers between Checking and Savings to maximize your yield and maintain capital liquidity.
Earn a competitive yield on idle cash
Earn yield on idle cash while maintaining up to $75M in FDIC coverage on savings, with accessible funds movement between Checking, Savings, and Treasury.
Cash runs itself. You run the business
Manage Checking, Savings, and Treasury in one platform built for founders
Protect up to $75M in deposits across 400+ FDIC-insured banks
Earn competitive yield on idle cash with next-day liquidity
Move funds seamlessly between accounts—no manual transfers
Get real-time visibility into balances, coverage, and yield
Centralize reporting for founders and finance leads in one view
What changes when your cash protects itself
The before is a juggling act. The after is just... handled.
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With Rho
Your operating cash sits in one account and is protected up to $75M across 400+ FDIC-insured banks, earning yield in the background, and moving between Checking, Savings, and Treasury the moment you need it.
Without Rho
Five separate bank accounts to clear FDIC caps. A separate portal for yield. Three-day transfers when you need cash to land. A spreadsheet you maintain to track coverage that's never quite current.
FAQs
General
Yes. Savings account services and up to $75M in FDIC insurance are provided by American Deposit Management Co. and its partner banks. Rho is a financial technology company, not a bank or an FDIC-insured depository institution. The FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured bank that holds your deposits and is subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. For more information on deposit insurance, please visit the FDIC website.
Rho expands your FDIC coverage by partnering with The American Deposit Management Company (ADM). ADM places and manages your funds across a wide network of more than 400 FDIC and NCUA-insured institutions. Your balance is automatically distributed so no single allocation exceeds the $250K insurance limit at any institution.
You see one unified balance in Rho, while ADM handles the diversification in the background. This gives you seamless access to up to $75M in federal deposit insurance without opening or managing multiple accounts yourself.
Yes. Savings works alongside Rho Checking so you can move funds instantly, maintain clean cash visibility, and use one platform for banking, spending, bill pay, treasury, and accounting.
Up to $75M in FDIC insurance per entity. Your deposits are automatically spread across a network of more than 400 FDIC-insured banks, so each portion stays within the $250K limit. You get expanded protection without managing dozens of accounts yourself.
We’re ready
when you are.
