ICM empowers clients to better manage their cash and earn much higher rates.

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Investor

ICM benefits both new and experienced investors who want to maximize returns on their cash.

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Cash

ICM invests directly into securities and empowers you to earn more than the average bank rate.

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Management

ICM technology is an easy yet sophisticated tool to better manage your cash.

Our Mission

  • We believe your money generates wealth and you should keep it.
  • We believe in empowering individuals to make better financial decisions by providing them with objectively better financial products.
  • We believe in harnessing patent-pending technology to deliver intuitive solutions.
  • We believe in the power of strong partnerships to enable novice and experienced investors to achieve their financial goals.
  • We believe in forging a cohesive, inclusive community where we all have equal access to quality investment funds, including those previously unavailable to the vast majority of individuals.

Our Story

Many people have accounts that are paying historically low interest rates; in fact, the current national average is 4 bps1 (which means if you have $10,000 in your account, at the end of the year you get only $4 in interest). At the same time, investment securities such as money market funds and ultrashort bond funds now yield more than 17 and 80 bps2, respectively. Our value proposition is clear: our better financial products empower our clients to achieve returns multiples higher on their assets.

We developed innovative, patent-pending technology to link cash management accounts directly to specified securities, and a prominent feature of our accounts is the investment debit card, which is a debit card linked directly to investment funds. Essentially, our proprietary technology transforms securities into digital transaction currencies: more directly, we combine the immediate liquidity and convenience of a cash management account with the higher returns of investment products – and it is all done seamlessly.

We have strong partnerships to provide quality products and service to our clients. ICM bank accounts are hosted at and investment debit cards are issued by Sutton Bank (which has issued 11+ million cards) on the Mastercard platform (which provides access to merchants globally). We use Plaid (which has analyzed 10+ billion transactions) to make the onboarding process secure and easy, and our clients can use their investment debit cards at Allpoint’s 55,000 surcharge-free ATMs (the world’s largest ATM network). ICM securities accounts are hosted at DriveWealth (a leader in global digital trading technology).

We enable sophisticated investors and those who have never invested to generate higher returns on their assets, and we create an inclusive community by providing all clients equal access to quality investment funds previously unavailable to the vast majority of individuals. When Joe Mansueto – the Founder and Chairman of Morningstar – began his company, among his greatest motivations was to democratize investing and convert savers into investors. As our partner and advisor, his vision and those goals drive us to perform every day for our clients.

How it Works

  1. Open your account with our app or desktop portal.
  2. Fund your account by direct deposit and/or ACH transfer. The first $125 will be held in cash in your ICM account, and the rest will be automatically swept daily into the investment fund(s) you select from our menu of securities.
  3. Access the funds in your account via your investment debit card, ATM, cash back from Mastercard merchants, online bill pay, P2P transfers, and ACH transfer. The corresponding amount of investment funds will be automatically sold and used to pay for your transactions.

We named our company Investor Cash Management because we deliver our clients the tools to better manage their cash assets by placing them in specific investment funds. The treasurer of a Fortune 500 company is able to invest the company’s assets in different investment funds for various purposes: for example, 1-30 day funds for payroll and rent; 2-12 month funds for nonrecurrent expenses; 1+ year funds for long-term investment. We do the same for you, empowering you to invest the money you need for monthly expenses in government money market funds and the money you allocate for income generation in ultrashort bond funds. You decide when and how much to place in your account, and at all times you have possession and control of your funds.

Our technology enables your funds to be invested until you need them, enabling you to earn much higher returns on your assets – without the hassle and stress of moving money between accounts or sending frequent orders regarding when to buy and sell investment funds. There are 3 key problems we solve:

  1. We eliminate the cost of purchasing and redeeming securities, as there is never any charge for buying or selling investment funds linked to your account.
  2. We simplify the investment choice by providing a menu of quality investment products.
  3. We provide immediate liquidity as you have access to your funds at all times.

The result is you can better manage your assets by investing them in specified securities and getting much higher returns. We believe your money generates wealth and you should keep it.

There are 3 key problems we solve:

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We eliminate the cost of purchasing and redeeming securities, as there is never any charge for buying or selling investment funds linked to your account.

We simplify the investment choice by providing a menu of quality investment products.

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We combine immediate liquidity with much higher returns, as you have access to your funds at all times.

We believe your money generates wealth and you should keep it.

Board of Directors

Joe Mansueto picture
Joe Mansueto
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Fred Phillips picture
Fred Phillips
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Lance Weaver picture
Lance Weaver
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