Turn idle deposits into earning assets
ReserveLink is an automated deposit reclassification system: it sweeps transaction account balances into non-transaction subaccounts every night, transforming idle, non-earning balances into investable funds — without risk and without any impact on your customers.
How it works
- Links to your existing DDA master file and evaluates every transaction master account daily
- A patented, dynamic account-level threshold processor speeds up or slows down sweeps per account based on activity cycles
- Runs after DDA posting and before general ledger — no modification to posting systems or existing G/L entries
- Stand-alone system with an independent master file and full subledger reporting for balancing
Lights-out operation
- Sweeps on average more than 90% of reservable account balances — automatically
- Analysis, funds sweeping and reporting run unattended, cutting manual work by staff
- Higher, more stable sweep percentages without incurring additional risk
- Complete transparency to customers — statements and interest are unaffected
Automated compliance management
ReserveLink maintains paired account structures matching Federal Reserve-defined requirements, tracks daily, weekly and monthly movements automatically, and limits sweep activity in line with federal sweep guidelines. Standard compliance reports cover both summary and detail levels, and threshold figures on reports let finance verify the system's calculations — simplifying audits.
Automatic interest accrual tracking and a checklist of legal and regulatory considerations, with recommendations for each, support a fully compliant deployment.
Survives core conversions, mergers and platform moves
ReserveLink is multiplatform and DDA-system portable: banks can migrate to or acquire new DDA systems with full confidence the solution accommodates the change. Ledger thresholds support multi-billion-dollar account balances, and 64-bit platform support enables migration off legacy hosts to virtual and cloud environments at lower operational cost.
Recent enhancements add cost-center-level transfer records, configurable report selection, separate overdraft-account tracking, and flagging of large static balances to optimize the overall sweep percentage.
Free up capital you already hold
Trusted by more than 200 financial institutions of all asset sizes. Bring us your deposit base — we'll show you the reclassification headroom.