Program Banks

We are proud to partner with a diverse group of banks – from small to large in size and regional to global in scale – to bring you Flourish Cash.1

Together, our Program Banks create the foundation that gives the Flourish Cash program its strength, enabling us to offer clients a competitive yield2 and increased FDIC insurance coverage.

Our Program Banks:

The following banks are currently part of the Flourish Cash program for individual, joint, and business accounts:

Associated Bank logo
Associated Bank

Associated Bank is the largest bank holding company based in Wisconsin with $39B in assets and an A3 credit rating. Headquartered in Green Bay, Wisconsin, Associated is a leading Midwest banking franchise, offering a full range of financial products and services from more than 200 banking locations serving more than 100 communities throughout Wisconsin, Illinois, and Minnesota.

Banc of California logo
Banc of California

Banc of California has served small and medium-size businesses and their principals throughout California for over 80 years. Headquartered in Orange County, Banc of California had $10 billion in assets as of March 31, 2023. The Bank has 33 offices, including 27 full-service branches, located throughout Southern California. They provide customized banking and lending solutions to businesses, entrepreneurs and individuals throughout California, and full stack payment processing solutions through their subsidiary Deepstack Technologies. The bank aims to help to improve its communities by supporting organizations that provide financial literacy and job training, small business support, and affordable housing.

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Bank United logo
Bank United

BankUnited, N.A. is one of the largest independent depository institutions headquartered in Florida and has $37 billion in total assets, as of December 21, 2022. BankUnited provides a broad range of consumer and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. BankUnited operates banking centers in Florida, New York, and Dallas, Texas. 

Bell Bank logo
Bell Bank

Founded in 1966 and headquartered in Fargo, North Dakota, Bell Bank is the largest family- and employee-owned bank in the upper Midwest. Bell has full-service bank locations in North Dakota, Minnesota, and Arizona. In 2020, Forbes ranked Bell among the World’s Best Banks and Best-in-State bank for North Dakota.

CIBC logo

CIBC U.S. provides tailored commercial, wealth management, personal, and small business financial solutions, as well as cross-border banking services to clients with North American operations. CIBC U.S. headquarters is in Chicago with the backing of a 150-year-old Toronto-based, global financial institution.

Citibank logo

Citibank N.A., a subsidiary of Citigroup Inc, is a provider of banking and related financial services. It offers retail and commercial banking, and investment solutions. Its retail offerings include accounts, certificates of deposits, and loans and mortgages. Citibank serves individual, corporate, high-net-worth individuals, and wealthy family clients. The bank has operations in North America, South America, Asia Pacific, Europe, the Middle East, and Africa. Citibank is headquartered in New York, New York.

East West Bank logo
East West Bank

Founded in 1973 with the mission to serve the financial needs of Chinese Americans in Los Angeles who were often overlooked by mainstream banks, today East West Bank is now the largest independent bank headquartered in Southern California with more that 120 locations in the U.S. and Asia.

First Horizon bank logo
First Horizon Bank

Founded in Memphis in 1864, First Horizon Bank now has 417 locations and $85.1B assets as of July 2023. Operating in 12 states across the southern U.S., the Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank.

Flagstar Bank logo
Flagstar Bank

Flagstar Bank, N.A. is one of the largest regional banks in the country. The company is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. As of July 10, 2023, Flagstar had $123.6 billion in assets and deposits of $84.9 billion. The bank operates 435 branches, including strong footholds in the Northeast and Midwest and exposure to high growth markets in the Southeast and West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately 3,000 third-party mortgage originators.

HSBC logo

HSBC Bank USA serves customers through Wealth and Personal Banking, Commercial Banking, Private Banking, Global Banking, and Markets and Securities Services. It operates Wealth Centers in: California; Washington, D.C.; Florida; New Jersey; New York; Virginia; and Washington. HSBC Bank USA, N.A. is the principal subsidiary of HSBC USA Inc., a wholly-owned subsidiary of HSBC North America Holdings Inc. In the United States, deposit products are offered by HSBC Bank USA, N.A., Member FDIC.

KeyBank logo

KeyBank National Association’s roots trace back nearly 200 years to Albany, New York. Headquartered in Cleveland, Ohio, KeyBank is one of the nation's largest bank-based financial services companies, with assets of approximately $198 billion at March 31, 2023. KeyBank provides deposit, lending, cash management, and investment services to individuals and businesses in 15 states. 

Northbrook Bank & Trust

Northbrook Bank & Trust Company, N.A. is part of Wintrust Financial Corporation (NASDAQ: WTFC), a financial holding company based in Rosemont, Illinois. Northbrook Bank provides traditional community banking and commercial banking services, wealth management solutions, commercial and life insurance premium financing, mortgage origination, and more. Wintrust offers community-oriented personal and business banking services to customers in the greater Chicago area, northwest Indiana, southern Wisconsin, and Florida through more than 175 community bank locations.  

PNC logo
PNC Bank

Founded in 1845, PNC Bank is currently the 7th largest U.S. commercial banking organization by assets. Headquartered in Pittsburgh, PNC is organized around its customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management.

Synovus logo
Synovus Bank

Synovus Bank is a financial services company based in Columbus, Georgia that serves communities in the Southeast and beyond. With approximately $62 billion in assets, Synovus provides commercial and consumer banking and a full suite of specialized products and services, including private banking, treasury management, wealth management, mortgage services, premium finance, asset-based lending, structured lending, capital markets and international banking. Synovus has been named one of Newsweek’s Most Trustworthy Companies.

Third Coast Bank logo
Third Coast Bank

Founded in 2008, Third Coast Bank (NASDAQ: TCBX) is headquartered in Humble, Texas with assets totaling over $3.8 billion as of March 2022. Third Coast Bank SSB is a relationship-oriented bank committed to personal service and community investment. Third Coast is locally owned with grassroots values and an entrepreneurial spirit. Third Coast offers an extensive array of loan and deposit products along with a complete line of financial services, including online and mobile banking, small business (SBA) loans, commercial loans, factoring, mortgage services, and treasury management services, as well as traditional retail banking services.

TriState Capital logo
TriState Capital Bank

TriState Capital Bank is a commercial and private bank headquartered in Pittsburgh, PA that serves middle market businesses and high-net-worth individuals. TriState has $14B in assets and an A3 credit rating.

U.S. Bank

U.S. Bancorp, with approximately 77,000 employees and $681 billion in assets as of June 30, 2023, is the parent company of U.S. Bank National Association. The Minneapolis-based company serves millions of customers locally, nationally and globally through a diversified mix of businesses: Consumer and Business Banking; Payment Services; Corporate and Commercial Banking; and Wealth Management and Investment Services. The company has been recognized for its approach to digital innovation, social responsibility, and customer service, including being named one of the 2023 World’s Most Ethical Companies® and one of 2023 Fortune World’s Most Admired Companies™ and No. 1 Superregional Bank. Union Bank, consisting primarily of retail banking branches on the West Coast, joined U.S. Bank in 2022.

Webster Bank logo
Webster Bank

Webster Bank is a leading commercial bank that delivers financial solutions to businesses, individuals, families and partners. With over $70 billion in assets, it offers digital and traditional service delivery through our differentiated lines of business: Commercial Banking, Consumer Banking and HSA Bank, one of the country’s largest providers of employee benefits solutions. Webster is headquartered in Stamford, CT and serves the Northeast.

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Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Crypto is offered by Paxos Trust Company, LLC, a New York limited purpose trust company regulated by the New York Department of Financial Services that provides custody and execution services for the Flourish Crypto accounts, and Flourish Digital Assets LLC, registered in New York as a commodity broker-dealer and provides website and other services and support for Flourish Crypto accounts. Flourish Financial LLC and Flourish Digital Assets LLC are affiliates, but are not affiliates of Paxos. Please review the Legal section of our website, and the disclosures provided with each Flourish service or product, for further information. If you were introduced or invited to Flourish by an investment advisor or other third party, please be aware that, unless otherwise disclosed to you, they are not affiliated with any Flourish entity. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2023 Flourish. All rights reserved. 

1 A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest. 

2 Flourish Cash currently has a tiered interest rate structure, as set forth in the rate tier summary. We deposit your cash first with one or more of the Program Banks in the tier with the highest interest rate, up to the maximum amount of deposits for that tier, and then continue depositing cash at Program Bank(s) in each successive tier until all cash has been deposited, subject to any Program Bank(s) you have elected to exclude from the Program. Each annual percentage yield (APY) displayed here is effective as of 09/07/2023 and may change at any time. The rates of interest paid by the Program Bank(s) to Flourish Cash customers may be lower than the rate that you could earn by opening a deposit account directly with such bank(s).

3 The cash balance in a Flourish Cash account that is swept to one or more Program Banks is eligible for FDIC insurance, subject to FDIC rules, including aggregate insurance coverage limits. FDIC insurance will not be provided until funds arrive at the Program Bank. There are currently at least 16 Program Banks available to accept deposits for business Flourish Cash accounts and personal Flourish Cash accounts, and we are not obligated to allocate customer funds across more than this number of Program Banks if there is a greater number of banks in the program. Customers are generally eligible for FDIC insurance coverage of $250,000 per customer, per Program Bank, for each account ownership category. Thus, business customers are eligible for up to $4,000,000 of FDIC insurance and personal customers are eligible for (i) up to $4,000,000 of FDIC insurance for an individual account or revocable living trust account and (ii) up to $8,000,000 of FDIC insurance for a joint account with two owners or joint revocable living trust(s). The total FDIC coverage for a two-person household is calculated assuming that each household member has an individual account and that both household members share a joint account. If the number of Program Banks decreases for a customer (for instance, because a customer chooses to exclude Program Banks from receiving their deposits), the amount of FDIC insurance through Flourish Cash could be lower. Typically, all of a customer’s deposits at a Program Bank in the same ownership category (including deposits held outside Flourish Cash or held through multiple Flourish Cash accounts with the same ownership category) count toward the FDIC insurance limit for deposits at that Program Bank. Customers are responsible for monitoring whether they maintain deposits at a Program Bank outside of Flourish Cash and should consider choosing to exclude that Program Bank from receiving their deposits to avoid exceeding FDIC insurance limits. Although Flourish Cash is offered through a brokerage account and cash held in brokerage accounts often has the benefit of SIPC protection, until such time as we offer securities products, customers likely will not have the benefit of SIPC protection. SIPC protection is not available for cash held at the Program Banks. Our current Program Banks can be found here. For additional information regarding FDIC coverage, visit