yield on Balances
Your Cash is Sitting There, So Make it Work Harder
Most treasury teams haven’t challenged their deposit interest rates in years. The gap between what your cash earns and what it should earn is real — and measurable. Redbridge audits your yield structure, benchmarks it against the market, and arms you for the conversation with your banks to optimize your cash’s earnings power.
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Know What Your Cash Earns and Get the Yield You Deserve
Rates move constantly. Getting a clear read on where you stand versus the market is harder than it looks. Redbridge treats deposit yield as part of a complete cash management review. In recent engagements, combining yield with a bank fee review doubled the total financial benefit for clients. The two conversations make each other stronger.
Rate & Structure Audit
See how your banks’ rates compare with the market and with what peer companies receive.
Yield Negotiation
Redbridge structures and drives the negotiation with your banking partners.
Ongoing Monitoring
Continuous monitoring of balances and rates — to make sure negotiated terms stick and Fed rate moves flow through to the yield your company is earning.
Maximize Your Cash Earnings
Independent Yield Advisors Who Work Entirely on Your Behalf
Understand What Your Deposits Earn
Most Treasury Teams Accept the Rate on File and Almost None Have Checked If It Is Competitive
Deposit Yield Rate Mapping
Redbridge maps exactly what each bank pays on your operating and surplus balances, broken out by account type and by currency.
Earnings Credit Rate (ECR) Review
Banks set their own earnings credit rate and change it without notice. Redbridge checks whether your ECR matches the market and where a better rate could generate more fee offsets or free up cash.
Rate Gap Analysis
Redbridge quantifies the gap between what your current structure earns and what it could earn with the banks you already use today.
Benchmark And Have An Informed Conversation
Walk Into the Negotiation With the Market Data Already in Hand
Proprietary Rate Benchmarks
Redbridge’s global database covers deposit rates across banks, currencies, and corporate client profiles, so every engagement starts from real market knowledge.
Bank-by-Bank Assessment
Rate differences across banks are larger than most treasury teams expect. Redbridge pinpoints where the biggest gains sit and focuses your effort there first.
Conversation Preparation
Knowing the gap is useful. Knowing how to close it is rarer. Redbridge tells you what to ask for and how to approach each bank, so you leave with a real commitment that generates value.
Connect Yield To Your Broader Banking Strategy
Yield Doesn’t Live in Isolation, So Redbridge Connects it to Your Broader Banking Strategy
Holistic Review
Yield is most effectively negotiated alongside your bank fee costs. Addressing the full banking relationship at once produces better outcomes for both sides.
Relationship Focused
The goal is better terms, reached through an informed, data-backed discussion with your bank rather than confrontation.
Ongoing Benchmarks
Rate environments shift over time. Redbridge keeps your deposit rates competitive well beyond the point of the initial review.
Case Studies
Real Treasury Teams, Unreal Results
Whether you’re supporting a small team or managing complex cross-functional projects, Redbridge helps Treasurers and CFOs of all types deliver consistently.
“Redbridge’s tools and expertise helped us better understand the individual services we were using and rationalize each bank account resulting in significant savings for AT&T.”
Stacy Roth
AVP – Treasury Services
“The software was easy to implement and designed with the end user in mind. These features made the process easy and the results were exactly what we needed to monitor our internal cash management.”
David Watt
Former Treasury Director
“Overall, it’s been a successful partnership over the last two to three years. We’ve made a lot of connections through Redbridge, it’s not just a one-time engagement, it’s an ongoing working relationship.”
Brad Costantino
Treasury Operations Manager
“Redbridge allowed us to optimize our banking services and align our terms with competitive market standards. Their strategic negotiation and data-driven approach delivered measurable results and lasting value.”
Mathieu Brunet, CPA
VP, Investor Relations & Treasury
Resources
Featured Yield on Balances Resources
FAQS
Frequently Asked Questions About Yield on Balances
This section answers the most common questions the Redbridge team hears about yield on balances. Click on any question below to read the full response.
What types of yield does Redbridge review?
Redbridge reviews yield interest rates & structures on operating and surplus balances. Investment strategy and asset management are outside the scope of this work.
Will I need to change banks to improve my yield?
No — this is not an obligation and the call is yours. The decision will be based on the results of the analysis and the quality of your existing banking relationship.
What is the impact of this project on my banking relationship?
Our goal is to improve your relationships by putting formal pricing agreements in place that work for both sides. Most banks respond well to a structured, data-backed conversation.
How much time will my team need to invest?
Minimal. You only need to send up to 3 months of AAS (Account Analysis Statement). Redbridge handles the rest.
How does Redbridge get paid?
Redbridge operates on a success fee model — we are only remunerated when we deliver actual savings and measurable improvements.
Get a Free Yield Assessment Today
Get a free assessment of your current yield and unlock potential savings without disrupting your banking relationship.