MRA High Yield Cash

“Money is a terrible master but an excellent servant.” P.T. Barnum


Open an account: Individual/JointOpen an account: Business

MRA High Yield Cash

Yield. Safety. Liquidity

No Minimums | No Fees | No Transaction Limits 

APY 0.50%*

The MRA High Yield Cash is an insured high-yield cash account offered through your financial advisor. From start to finish, you can enjoy an experience that delivers uncommon value and one that can bring forth the true potential of the money you have earned and saved.

Welcome to a better home for your cash.


Highest Insurance Levels

$25 million 

In FDIC Insurance per tax ID***

  • Competitive rate
  • What are you earning at the bank
  • Liquidity** | Why lock up cash in CDs?

One account can get you immediate access to a network of 800+ federally insured institutions to keep your money safe and insured—the same network being utilized by some of the most recognizable brands in the nation for the past 10 years.

What to Expect

  • Simple online access to account information 24/7 with unlimited transaction capability
  • Receive only one Form 1099 to keep tax reporting simple
  • You remain anonymous to the program custodian and all the banks in the network, so you won’t be solicited
  • Ability to select an impact option

How it works

Get Started

  • Click here to access our online application (business accounts are opened via paper application).

  • Take less than 5 minutes to complete the application where you can link your MRA High Yield Cash account to any number of bank, brokerage, or advisory accounts…and submit. That’s it!

  • Receive a confirmation and put your money safely to work for you in the following business day.


All information contained herein is for informational purposes and should not be construed as investment advice. It does not constitute an offer, solicitation or recommendation to purchase any security. Some information contained in this presentation has been obtained from sources believed to be reliable, but it cannot be guaranteed by StoneCastle or any of its affiliates.

StoneCastle Cash Management, LLC, (“StoneCastle”) is the program Administrator. StoneCastle is not a bank, nor does it offer bank deposits and its services are not guaranteed or insured by the FDIC, NCUA or any other governmental agency. StoneCastle Asset Management, StoneCastle is an investment advisers registered with the United States Securities and Exchange Commission (SEC). For more information regarding the firm, please see its Form ADV Part 1 and 2A on file with the SEC. Registration with the SEC does not imply a particular level of skill or training.

MRA High Yield Cash satisfies the FDIC’s requirements for agency pass-through deposit insurance coverage. Program banks in the MRA High Yield Cash network are FDIC-insured “banks” and “savings associations” as those terms are defined in the Federal Deposit Insurance Act. The FDIC Limit is $250,000 per depositor per bank. The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions up to $250,000.

MRA High Yield Cash is not a member of FDIC or NCUA, but the depository banks where your money is placed are FDIC and NCUA members. FDIC and NCUA are independent agencies of the U.S. government that protects the funds depositors place in FDIC and NCUA insured institutions. FDIC and NCUA deposit insurance is backed by the full faith and credit of the U.S. government. Funds may be submitted for deposit only after a depositor enters into a MRA High Yield Cash agreement. The Agreement contains important information and conditions regarding the depositing of funds.

* Yield is effective as of April 20, 2020 and is for a maximum deposit of $25 million. Balances in excess of $25 million will receive a blended rate. Current yield and maximum deposit insurance coverage is indicative for MRA High Yield Cash and may be lower or higher than what is stated due to changes in market or business conditions. Past performance does not guarantee future results. Please contact your financial advisor for the most current yield and maximum deposit insurance coverage.

** Liquidity is on a next business day basis. Same day purchase credit and next day liquidity redemptions are subject to a 3:00PM ET cut-off. Please read the MRA High Yield Cash Terms and Conditions for more complete information and the governing terms of the account (including liquidity, terms, etc.).

*** Balances held in client Custody Accounts may not receive FDIC and NCUA insurance. If you have any cash at any depository institution that is in the bank network then you may not receive full FDIC or NCUA insurance coverage on your deposits at those institutions.

MRA Advisory Group receives a placement fee by opening accounts through Stone Castle.