Maximize Idle Cash with Atomic Cash Sweep
Secure your clients' idle cash and help maximize their returns with Atomic Cash Sweep. Offer your clients a secure and high-yielding solution for their idle cash balances. Atomic Cash Sweep provides same-day liquidity, up to $2.5 million in FDIC insurance coverage, and industry-leading yields.

Unlike traditional savings accounts with limited FDIC coverage ($250,000 for individual accounts), the Atomic Cash Sweep program automatically distributes your clients' cash across multiple program banks to help ensure preservation, optimized returns and same day liquidity.
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Let Your Portfolio Work For You
Yield-Bearing Accounts
Give your clients access to no-fee, FDIC-insured yields comparable to money market funds. Rates fluctuate with market conditions and the effective funds rate, which helps ensure competitive returns.
Same Day Access
Same-day liquidity for сash sweep funds into the brokerage account (until 4:00pm eastern monday-friday).
Eligibility
Available to US and non-US individuals and corporate entities that open brokerage accounts through Atomic Brokerage LLC.
Program Banks
Webster Bank
Kennett Bank
Dayspring Bank
Eagle Bank
SSB Bank
First Bank - Missouri
Kish Bank
Third Coast Bank
Pacific National Bank
Farmers & Merchants Bank
Program bank list last updated on Apr 18, 2024.

Atomic Brokerage LLC Cash Sweep Program Terms & Conditions
Contact us today to learn more about this innovative brokerage offering.
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AtomicVest Inc. (“AtomicVest”) is a technology company that provides an integrated platform to companies who seek to work with Atomic Invest LLC (“Atomic Invest”), an SEC Registered Investment Adviser, or Atomic Brokerage LLC (“Atomic Brokerage”), a FINRA registered broker-dealer, both of which are subsidiaries of AtomicVest. AtomicVest is not involved in securities activities and is not registered with the SEC or FINRA.

With respect to Atomic Invest and Atomic Brokerage, investments in securities are: Not FDIC Insured - Not Bank Guaranteed - May Lose Value. Neither AtomicVest nor any of its affiliates is a bank. Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature. Before investing, consider your investment objectives and the fees and expenses charged. This website is intended to provide an overview of AtomicVest as well as the products and services offered by its affiliates, and is for general information purposes only. It is not intended to provide investment, accounting, tax, or legal advice. See the websites for Atomic Invest and Atomic Brokerage for more information.

Atomic Cash Sweep ("Cash Sweep") is a product offered by Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC , that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients' funds are deposited into an interest-bearing deposit account (“Deposit Account”) at one or more banks ("Program Banks"), where the funds earn a variable interest rate and are eligible for FDIC insurance coverage.

The annual percentage yield (APY) on the deposit balances in Cash Sweep is variable and subject to daily changes. Clients’ actual APY may be lower if they designate certain banks as ineligible to receive their deposits. The Program Bank list may change over time. For a current list of the Program Banks at any point in time, please refer to Atomic Brokerage’s website or contact Atomic Brokerage. Atomic Brokerage and third parties receive a fee for the Atomic Cash Sweep program.

If you participate in Cash Sweep, you authorize Atomic Brokerage LLC to allocate your funds among one or more Program Banks at its discretion. Deposits at each Program Bank are insured by the FDIC up to $250,000 per insurable capacity. In total, funds deposited into Cash Sweep are eligible for up to $2,500,000 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to 10 Program Banks). However, if clients exclude certain Program Banks, the amount of available FDIC insurance may be lower. Clients are responsible for monitoring the total amount of deposits that they have with each Program Bank, in order to determine the extent of FDIC deposit insurance coverage available to them. For more information on FDIC insurance, visit www.FDIC.gov.

Balances maintained in the Deposit Accounts at each Program Bank are FDIC insured but are not protected by SIPC. You should not expect cash deposited in an Atomic Brokerage account solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to support-brokerage@atomicvest.com to discuss your options.You may obtain further information about SIPC coverage, including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org.

For more details about Cash Sweep, see the full Atomic Brokerage LLC Cash Sweep Program Terms & Conditions. For more information about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, the Privacy Policy, and other disclosures. Check the background of Atomic Brokerage on FINRA’s BrokerCheck.

AtomicVest and its affiliates make no representations that materials on this site are appropriate for use in all locations, or that transactions, securities products, instruments, or services discussed on this website are available or appropriate for sale or use in all jurisdictions, or are suitable for all investors or counterparties. Those who access this website do so at their own initiative and are responsible for compliance with applicable local laws and regulations.

All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance.