American Deposit Management

What American Deposit Management does

American Deposit Management (ADM) is a privately held financial services firm founded in 2009 and headquartered in Pewaukee, Wisconsin, operating as a deposit placement and treasury management intermediary. ADM distributes client deposits across a curated network of more than 400 pre-screened, pre-approved FDIC- and NCUA-insured banks and credit unions, enabling unlimited deposit insurance coverage above the standard $250,000 limit while delivering competitive yields through aggregated purchasing power. Core products include the American Money Market Account (AMMA™) for next-day liquid balances, Certificates of Deposit and CD ladders for term deposits, escrow services for M&A and business transactions, and the AMMA Exchange™ institutional deposit network platform. Adjacent services comprise American Payment Solutions (vendor payments from interest-earning balances), bond proceeds management under MSRB fiduciary standards, and EB-5 investor deposit and escrow solutions delivered in partnership with Accelerated Impact.

The company is a registered Municipal Advisor (#K0353) under MSRB/SEC oversight, subjecting it to fiduciary duty, Rule G-44 audit requirements, and bank-standard KYC/BSA/AML procedures. ADM serves four primary customer segments: government agencies, municipalities, and school districts (150+ clients managing over $1 billion); businesses and organizations of varying sizes (1,700+ total business clients); banks and credit unions seeking stable deposit funding; and EB-5 investors/projects. Select disclosed clients include Westosha School District (bond proceeds, earning approximately $900,000 in interest) and Transworld Business Advisors (M&A escrow). GTM is sales-led, with dedicated cash management specialists delivering a three-step onboarding process (outreach, application, 24/7 portal access), supplemented by an educational content engine (weekly insights, whitepapers, webinars) targeting treasury decision-makers.

Revenue is generated primarily through placement fees on Certificate of Deposit transactions (one-time annualized fee netted from quoted client rates) and net interest spread retained on AMMA balances above a $25,000 average monthly threshold; escrow services typically carry no set-up or annual fees. ADM has been a subsidiary of O'Brien-Staley Partners since 2020, is led by Chairwoman & CEO Adrienne Thorson (appointed 2022), and operates with a 11–50 person team that has cumulatively distributed over $6 billion in client funds across its network. The company completed SOC 2 Type 1 audit in 2025 and joined the American Fintech Council in 2024.

Name

American Deposit Management

Legal name

American Deposit Management, LLC

Website

https://americandeposits.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

American Deposit Management is a Pewaukee, Wisconsin-based deposit placement and treasury management firm that distributes client funds across 400+ FDIC/NCUA-insured banks and credit unions. It serves government agencies, municipalities, school districts, businesses, financial institutions, and EB-5 investors with liquid accounts, CDs, and escrow services.

Ownership category

akta.pro rank

Product category

Treasury and Deposit Management Services

NAICS

Finance and Insurance (52)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Treasury & Risk Management Solutions (FX/MM, hedging, TMS integration) (FSABAIAE)

Keywords

• Treasury management services
• Multi-bank deposit distribution
• Municipal cash management
• Business escrow services
• FDIC deposit aggregation

Headquarters

HQ city

Pewaukee

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. CD Placement Fees: ADM charges a one-time annualized placement fee on each CD purchase and renewal. Rates quoted to clients are net of ADM fees.
2. AMMA Account Management: No set-up or annual fees for AMMA accounts. Average monthly balance must exceed $25,000 to earn interest. Rates quoted are net of ADM fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

American Deposit Management (ADM) provides treasury management and deposit placement solutions for government agencies, municipalities, businesses, and financial institutions. Its core offering is a patented multi-bank deposit distribution platform that places client cash across 400+ FDIC/NCUA-insured banks and credit unions to deliver extended deposit insurance above the standard $250,000 limit, competitive yields, next-day liquidity, and consolidated reporting through products including the American Money Market Account (AMMA™), Certificates of Deposit, and Escrow Services.

Product overview

American Deposit Management (ADM) offers a unified modern cash management platform providing comprehensive treasury management and financial services. The core product portfolio centers on three main solution areas: (1) Liquid solutions via the American Money Market Account (AMMA™) providing next-day liquidity with competitive yields; (2) Certificates of Deposit and CD Ladders for term deposits with locked-in rates; and (3) Escrow Services for M&A, business transactions, and EB-5 investments. Additional modules include American Payment Solutions (APS) for vendor payments, Bond Proceeds Management for municipal clients, and the AMMA Exchange™ platform enabling deposit network participation. All solutions leverage ADM's network of 400+ FDIC/NCUA-insured financial institutions to provide access to extended deposit protection beyond standard limits, with a secure client portal offering 24/7 real-time data access.

Differentiator

Problem solved

Functional benefit

Products and services

• American Money Market Account (AMMA™) A liquid savings account providing next-day liquidity while earning competitive yields. Powered by patent-pending technology that spreads deposits across hundreds of FDIC/NCUA-insured financial institutions to provide access to full deposit insurance beyond the standard $250,000 limit. Features consolidated reporting, a single monthly statement, and one 1099-INT. Designed for government, municipal, and business clients with idle cash above standard insurance limits.
• Certificates of Deposit (CDs) Term deposit products that lock in rates aligned with liquidity needs, offering competitive rates of return among federally-insured deposit accounts for cash that is not immediately needed. ADM charges a one-time annualized placement fee on each CD purchase and renewal.
• Escrow Services Escrow agent services for M&A transactions, business sales, real estate, intellectual property transfers, and EB-5 investor funds. Provides access to extended FDIC/NCUA insurance and includes expert drafting of escrow agreements. Used by business brokers and attorneys managing transaction funds.
• AMMA Exchange™ A deposit network platform that connects corporate and institutional depositors across the country with a nationwide network of financial institutions, delivering balanced liquidity options for participating banks and credit unions while providing depositors access to full federal protection.

Quantifiable outcome

• Client yields up to 7x higher than FDIC national averages since 2022 for EB-5 deposits
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, supporting and minor.

• Accelerated ImpactcoreStrategic or Co-development PartnerPartnership between ADM and Accelerated Impact (led by EB-5 veteran Reid Thomas) to address banking, liquidity, and capital-protection challenges unique to the EB-5 market. Accelerated Impact contributes deep EB-5 expertise while ADM provides deposit and escrow infrastructure across its network of 300+ U.S. financial institutions.
• Bingham Arbitrage Rebate ServicessupportingImplementation/ SI/ Consulting PartnerNationally recognized firm providing arbitrage rebate, verification, and IRS support services. ADM partners with Bingham to monitor and report potential liabilities or exceptions to arbitrage restrictions for government/municipal clients.
• American Fintech CouncilsupportingOthersIndustry association that ADM joined in 2024, positioning the company within the fintech ecosystem for peer networking and regulatory dialogue.
• AmeriNatminorOthersIndependent affiliated company under O'Brien-Staley Partners. AmeriNat has been a trusted loan service partner for 50 years, working with approximately 300 clients nationwide.
• First Bank and Trust of IllinoisminorOthersIndependent affiliated company under O'Brien-Staley Partners. First Bank serves customers through meaningful relationships, specializing in construction and development lending, bridge and permanent financing for commercial real estate, multi-family development loans, and C&I credits.
• OSP InsuranceminorOthersIndependent affiliated company under O'Brien-Staley Partners. Captive insurance company domiciled in Washington D.C. designed to manage insurance-related risk with independent protected cells.
• 400+ Financial Institutions NetworkcoreChannel Partner/ Reseller/ DistributorADM's network of over 400 pre-screened, pre-approved, well-capitalized banks and credit unions. Network provides FDIC/NCUA-insured deposit placement for client funds and receives stable deposit funding. Institutions include major banks (JPMorgan Chase, BMO, US Bank) and community banks/credit unions nationwide.

Scale indicators7 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• IntraFi Network: IntraFi (formerly Promontory Interfinancial Network) operates CDARS and ICS, the largest multi-bank deposit sweep networks in the U.S. It is the most direct competitor to ADM's AMMA platform, offering extended FDIC insurance across thousands of partner banks.
• StoneCastle Partners: StoneCastle provides deposit network solutions and cash management services to institutional and corporate clients, including CDARS-adjacent products and FICA/Treasury sweep alternatives that directly compete with ADM's AMMA offering.

Broad incumbents

• JPMorgan Chase Treasury Services: JPMorgan offers comprehensive treasury management, multi-bank deposit placement, and institutional cash solutions. As one of the largest U.S. banks and a member of ADM's network, it overlaps with ADM's value proposition for large enterprise treasury clients.
• Wells Fargo Treasury Management: Wells Fargo provides corporate treasury management, escrow, and deposit services across business and government segments. It serves as both a competitor and a network partner for ADM and offers broader scale in cash management products.
• Northern Trust: Northern Trust provides institutional cash, liquidity, and custody solutions to corporations, governments, and nonprofits. Its cash investment products overlap with ADM's AMMA and CD offerings for institutional treasury clients.
• BNY Mellon Cash Management: BNY Mellon offers global treasury services, deposit placement, and cash sweep products to institutional clients. Its scale and infrastructure make it a broad competitor in the multi-bank and institutional cash management space where ADM operates.
• State Street Global Services: State Street provides custody, cash management, and asset servicing to institutional investors and governments. Its cash and liquidity products are broadly competitive with ADM's institutional deposit management offerings.
• U.S. Bank Treasury Management: U.S. Bank provides corporate treasury, escrow, and government banking services. It overlaps with ADM across business escrow, public sector deposits, and bank-network sweep arrangements.
• PFM Group: PFM is a registered Municipal Advisor providing investment management and arbitrage rebate services to state and local governments. It competes with ADM specifically in the bond proceeds and municipal advisory segment.

Emerging players

• MaxMyInterest: MaxMyInterest is a fintech that automatically sweeps consumer and small business cash to highest-yielding FDIC-insured accounts. It targets a smaller-balance segment than ADM but uses a similar multi-bank deposit optimization thesis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/depositco
• Xx.com/DepositCo

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Deposit Management