More access to your cash for today. More growth on your savings for tomorrow.
All your financial needs in one place.
ICM’s proprietary, API-driven technology links the CMA directly to specified investments, creating the only product in the world that essentially transforms securities into digital transaction currencies.
Our modern approach to CMAs also empowers you to choose the currency in which you want to save and transact, which can be different across investments.
By combining the liquidity of banking, the convenience of payments, and the high return of investing, we’re delivering more value for clients, advisors, and asset managers.
The CMA is funded just like any other bank account – via direct deposit, wire, or ACH transfer from another account. You can then allocate funds to the mobile banking account and varied brokerage subaccounts with no fees for transfers or investments.
You can then move funds seamlessly between banking and brokerage accounts at no charge, so it’s immediately available when it’s needed and earning more when it’s not.
1–3 Months
FDIC-INSURED BANK ACCOUNT
Daily retail purchases Utility bills Subscriptions or memberships Mortgage or rent3–12 Months
INVESTMENT ACCOUNT
Vacations Holidays New vehicles Home renovations12+ Months
INVESTMENT ACCOUNT
Education Retirement New home
Your money stays liquid and accessible, no matter where it's invested.
Earn more on your everyday cash.
Free online bill pay, a contactless debit card, and the ability to make purchases via Apple Pay or Google Pay.
No minimum balance requirement to maintain.
Access to 55,000 surcharge-free ATMs nationwide.
No overdraft fees, no monthly service fees, and no commissions associated with investing or trading.
Seamless transfers between accounts, person-to-person payments to family and friends—all at no charge.
Ability to receive direct deposit paychecks up to two days early.
A branded mobile app for 24/7 access to your account in the palm of your hand.
FREQUENTLY ASKED QUESTIONS
ICM’s CMA empowers you to enhance the way you manage your cash. Rather than leaving your money in no/low interest bank checking and savings accounts, the CMA enables you to optimize your returns on your cash. Multiple subaccounts provide flexibility to move money between investments.
Yes, but only in the investment accounts; all securities have a risk of loss. Funds held in your FDIC-insured bank account are guaranteed against loss.
Once enrolled, you can manage your money through a mobile app or desktop website. You can continue to add funds through direct deposit or bank transfers. You can make payments through bill pay or the investment debit card.
There is no limit. You can access your funds instantly and as many times as you like using the investment debit card.
You can’t enroll through ICM directly. Instead, you can connect with one of our wealth management, asset management, or community partner partners.
Scale your existing infrastructure by leveraging our unique and flexibly designed ICM PaaS technology. Our modern approach to cash management enables us to deliver a turnkey product to fit your platform and achieve your business goals. Components of our product can plug seamlessly into your business, thereby providing your clients with a fully integrated banking and brokerage experience and enhancing your overall value proposition.
Institutional Solutions for Individual Clients on a Global Scale
Interested in becoming a partner? We can deliver a fully branded product (debit card, mobile app, and desktop portal) that is fully customized and implemented within 75 days. We can also integrate into your existing frontend and infrastructure.
Let's work together on building a better financial future for all.