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Receiving Institution Opt-Outs

The DDM Program allows Participating Institutions and their customers to exclude specific participating Receiving Institutions from their allocation profile. This ensures that funds are not deposited into Receiving Institutions where a Customer may already have funds on deposits which would otherwise reduce the Customer's ability to access deposit insurance on their funds under the DDM Program.

Opt-Out Logic

Scope

Customers can opt-out of any participating Receiving Institution at any time.

Proactive Exclusion

Opt-Outs can also be placed against institutions that are not currently in the DDM Program to account for future program expansions or mergers.

Global Opt-Outs

A Participating Institution may choose to opt all of its Customers out of a specific Receiving Institution (or multiple institutions) simultaneously.

Process and Maintenance

Weekly Updates

R&T maintains and updates the link to the current list of Receiving Institutions on a daily basis and includes this information in the weekly DDM Program Update Notice, distributed each Monday. This list should be referenced to confirm participating Receiving Institutions and to support the management of customer allocation preferences.

Submission

There are multiple ways to initiate an opt-out:

  • Clients can manage customer level opt-outs via the Client Access Portal (CAP) or by completing the DDM Receiving Institution – Opt-Out Request Form (attached as Exhibit A of Customer T&Cs) and emailing it to DDM Operations.

  • Additionally, end-customers can manage their own opt-outs via the DepositView Portal (if the client enables that option).

What's Next

Updated 18 days ago

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R&T Deposit Networks, LLC, R&T Deposit Marketplace, LLC, R&T Deposit Solutions, LLC and R&T Deposit Programs, LLC (each d/b/a R&T Deposit Solutions), each a Delaware limited liability company, (together, “R&T”) provide administrative, recordkeeping, and/or other services to banks, credit unions, trust companies, wealth management firms, broker-dealers and other institutions with respect to deposit placement and sweep programs, including the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange℠ (CDMX℠) and R&T Insured Deposits℠ (RTID®) programs, as well as other services. An affiliate of R&T, Stable Custody Group II LLC (“Stable”), acts as agent of participating sending institutions under the DDM and CDMX programs. R&T and Stable, together, “we”, “us” or “our”. All of our services are provided subject to the terms and conditions of the written agreements and/or agency appointments between us and our clients with respect to those services, and we provide no representations or warranties, express or implied, except as expressly set forth in those written agreements and/or appointments. Click here for our legal and other disclosures. We are not an FDIC or NCUA-insured institution. FDIC insurance only covers the failure of an FDIC-insured institution. NCUA insurance only covers the failure of an NCUA-insured institution. Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Click here for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the DDM, CDMX, and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers). While the DDM, CDMX, and RTID programs provide access to an expanded level of FDIC or NCUA deposit insurance coverage on funds placed into the programs (subject to program terms and applicable laws, regulations and guidance, including pass-through insurance coverage requirements), the DDM, CDMX and RTID programs, themselves, as well as our other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits, and may lose value. We are not an affiliate of an FDIC or NCUA-insured institution, we are not an office, division, or sub-division of the FDIC or NCUA, and we are not associated with the FDIC or NCUA or office, division, or sub-division thereof. The primary objective of the DDM, CDMX, and RTID programs is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements, higher rates of returns or profits). R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM®, DepositView®, CDMX®, and RTID® are registered marks, and R&T Direct℠ is a pending mark of R&T Deposit Networks, LLC. of R&T Deposit Networks, LLC. IDEA℠, Certificate of Deposit Marketplace Exchange℠, R&T Insured Deposits℠ are unregistered service marks of R&T Deposit Networks, LLC.

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