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 Savings 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.

Disclosures

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, LLC, (“StoneCastle”) is the program administrator of KEEP. StoneCastle, along with its affiliates, has more than 15 years of cash experience with some of the world’s most recognizable brands, including Fortune 500 companies, college and universities, endowments and foundations, family offices and public funds.

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

KEEP is the brand name for StoneCastle’s Federally Insured Cash Account (FICA), offered to depositors through advisor relationships. In certain documents, like the program’s Terms & Conditions, the FICA name will continue to be referenced intentionally for legal and programmatic clarity.

StoneCastle Network, LLC is the program administrator for KEEP, which is designed to satisfy the requirements of the Federal Deposit Insurance Corporation (“FDIC”) and the National Credit Union Administration (“NCUA”) for pass-through deposit insurance coverage. Subject to certain regulatory requirements, pass-through deposit insurance is available for funds deposited with KEEP participating banks, savings institutions, or credit unions insured by the FDIC or the National Credit Union Share Insurance Fund (“NCUSIF”) for up to the standard maximum deposit insurance amount (referred to as “SMDIA”), which is currently $250,000 per eligible depositor, per institution, for each ownership capacity or category. If you have funds placed in a separate depository account at a bank, savings institution, or credit union that also participates in KEEP, such funds may be subject to certain regulatory aggregation rules. Please visit Depository Institutions for a list of all insured depository institutions that are part of the deposit network of StoneCastle.

StoneCastle is not a bank, savings institution, or credit union and KEEP is not, itself, an FDIC-insured or NCUSIF-insured product. FDIC and NCUSIF insurance coverage does not protect a depositor against the failure of StoneCastle or its affiliates and subsidiaries. The FDIC and NCUA are independent agencies of the U.S. government that protect the funds depositors place in FDIC- and NCUSIF-insured depository institutions. FDIC and NCUSIF deposit insurance is backed by the full faith and credit of the U.S. government.

Funds may be submitted for deposit with KEEP only after a depositor enters into a written KEEP program agreement with StoneCastle. The KEEP program agreement contains important information and terms and conditions regarding the depositing of funds and the program services provided by StoneCastle, which are solely provided to customers subject to the terms and conditions of the KEEP program agreement. StoneCastle provides no representations or warranties, express or implied, except as expressly set forth in the KEEP program agreement. Minimum initial deposit subject to change. After initial deposit requirements have been met, deposit balances, as the result of withdrawals/transfers, may go below the required minimum initial deposit.

1 APY is effective as of and is earned on the first $1 million. Accounts with deposits between $1 million and $100 million will earn a blended rate. Please con-tact your financial advisor to determine blended rate. Current yield and maximum de-posit insurance coverage is indicative for KEEP and may be lower or higher than what is stated due to changes in market or business conditions. Please contact your finan-cial advisor for the most current yield and maximum deposit insurance cov erage as they may have changed since the date of this fact sheet. KEEP yield is the APY (annual percentage yield) based on APR (annual percentage rate) for the period indicated as reported by StoneCastle. The Annual Percentage Yield (APY) paid by program banks is subject to change at any time at the program banks’ discretion.

2 FDIC.gov, December 19, 2024. National rate is calculated based on the simple average of rates paid.

3 Liquidity is ordinarily available on a next business day basis. Same day deposit cred-it and next day liquidity withdrawals are subject to a 3:00 PM ET cut-off. Daily and monthly ACH withdrawal limits per account apply ($25,000 daily and $100,000 every 30 days). There is no daily or monthly limit on wire withdrawals. Please carefully read the current FICA Program Terms and Conditions for more complete information and the governing terms of the account. This can be found at stonecastle.keepcash.com.

4 Depository institutions is used as an inclusive term to collectively represent banks, savings institutions and credit unions. KEEP by StoneCastleSM is a service mark of StoneCastle Cash Management, LLC. FICA® is a registered trademark of StoneCastle Cash Management, LLC.

MRA Advisory Group receives a 0.05% placement fee by opening accounts through Stone Castle. Stated APY is net of those fees.