Earn Yield on Idle Cash with T-Bills and Same-Day Access
Most companies let idle cash sit in a checking account earning nothing. Rho offers a different approach, investing your unused funds in US Treasuries and government money market funds through its Treasury service, with liquidity available in 1-3 days and no lock-up period.
Introduction
Cash flow timing rarely aligns perfectly. You may have funds sitting in your operating account waiting for vendor payments, payroll, or loan repayment. Traditional checking accounts offer no yield on these balances, meaning you're leaving money on the table every single day.
The challenge is balancing yield with accessibility. You need funds available quickly when obligations come due, but you also want your cash to work for you in the meantime. This is where Treasury products that invest in short-duration US government securities become valuable, especially when paired with a banking platform that handles your core operational needs.
Rho's Treasury service solves this specific problem. It invests idle cash in US Treasuries and government money market funds through an RIA structure, with 1-3 day liquidity and no lock-up requirements. This means your money remains accessible for real business needs while generating yield on balances that would otherwise earn nothing.
Did you know? Rho AP automation is included at no additional cost for Rho customers. See rho.co/bill-pay for details.
Key Highlights
- 1-3 day liquidity with no lock-up: Access your funds quickly when you need them, without penalty or extended waiting periods
- US Treasury and government money market fund investments: Your idle cash is invested in stable, government-backed securities through Rho's Treasury service
- Zero subscription or per-user fees: No hidden costs that erode your yield gains; pay only a management fee for Treasury services
- Integrated with core banking: Same-day ACH, wires, and checks at no cost, so you can move funds in and out without friction
Comparison
When evaluating Treasury or yield products for business accounts, consider how they fit into your broader banking infrastructure.
| Feature | Rho | Traditional Business Bank |
|---|---|---|
| T-Bill and government money market investment | Yes, via Treasury service | Limited or unavailable |
| 1-3 day liquidity | Yes, no lock-up | Varies; often requires longer holds |
| Same-day ACH/wire/check processing | $0 | Typically included |
| AP automation included | $0 | Extra cost or separate tool |
| Yield on idle cash | Yes | No |
Key Takeaway
Idle cash is a missed opportunity. If you're running a company with variable cash flow, Treasury products that offer both yield and rapid access solve a real operational problem. Rho's Treasury service delivers this combination without lock-up periods or subscription overhead, making it a practical choice for finance teams that want their money working harder without sacrificing operational flexibility.
Ready to put your idle cash to work? Explore Rho's Treasury offering today, or start with a full Rho banking platform that combines Treasury access with $0 ACH, wires, and integrated AP automation.
Investment management and advisory services are provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. Investments are not deposits and are not FDIC-insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not guarantee future results.