Abstract: A method for an automated insured deposit portfolio management includes receiving a request from a depositor to invest funds in an insured deposit product including investment vehicles that use a combination of money market deposit accounts and CD Products, selecting a first portion of the funds for investment in at least one money market account in at least one issuer bank, and selecting a second portion of the funds for investment in at least one CD Product in at least one issuer bank. An escrow amount can be computed that compares to an early withdrawal penalty for each CD Product. Thereafter, investment of the first portion can be directed for investment in at least one money market deposit account with at least one issuer bank, and investment of the second portion can be directed in at least one CD Product with at least one issuer bank. Finally, a record of the first and second portions can be stored in connection with the depositor.

Abstract: A method and machine readable storage for an enhanced return federally insured deposit program. A banking method consistent with the present invention can include receiving deposits from multiple customers into a custody account at a bank for enabling management of the received deposits by an administrator of the deposits. The received deposits can be distributed into corresponding custody accounts at a multitude of different issuer banks. In this regard, the distribution of the received deposits can be managed to maintain an agreed upon minimum level of deposits at different contracted issuer banks.

Abstract: A method for alternative methods of processing customer deposit offers through an automated insured deposit management system by placement of investor funds with and through one or more SPE's in deposits accounts at not less than the minimum number of funded issuers required to meet regulatory guidelines, in exchange for issuance by the SPE of an insured deposit note as evidence of the amount of funds loaned to the SPE and secured by a pledge of insured deposits, including an optional allocation of a portion of interest earned on the funds to charities, and with a record of the process and allocations being stored in connection with the SPEs and investors.