--- title: "Robora - Blog" description: "Insights from the Robora team on cash management, bank deposit rates, deposit safety and earning more interest on business cash." url: https://my-site-de67291e.ploy.build/blogs --- # Blogs [![A person passing money to a bank teller](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/c358d93a-why-most-banks-cover.webp)Cory FrankWhy Most Banks Don’t Give You the Best DealPro TipsBasicsThe uncomfortable truth is that banks are not obligated to act in customers’ best interests.](/blogs/why-most-banks-dont-give-you-the-best-deal) * [![Cash tucked under a mattress](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/a3ba1c0e-reimagining-cover.webp)Britt CanadyReimagining the Value and Safety of CashBusinesses and individuals alike should think of their cash as an important asset that requires access without loss of appreciating value or risk of loss.Basics](/blogs/reimagining-the-value-and-safety-of-cash) * [![A person counting cash on a table full of charts](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/5aa5827a-cash-management-cover.webp)Rakesh VenkatayogiCash Management for BusinessesOptimizing Your Cash Holdings and Cash FlowsPro TipsBasics](/blogs/cash-management-for-businesses) * [![Bundles of money on a pink background](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/7a7f1c38-types-cover.webp)Cory FrankTypes of Cash Management InstrumentsWhen managing your business or personal cash, it's crucial to understand the differences between the primary products available.Pro TipsBasics](/blogs/types-of-cashmanagement-instruments) --- [![Robora](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/440c0f72-robora-logo-white-wordmark.svg)](/) Want to give your excess cash a boost? [Get Started](https://app.roborafinancial.com/signup) --- ## Quick links * [Home](/) * [How it works](/how-it-works) * [Who we are](/who-we-are) * [Pricing](/#pricingsection) * [Customer stories](/?testimonial=open) [support@roborafinancial.com](mailto:support@roborafinancial.com) ## Copyrights © Robora Financial. All rights reserved. ![AICPA SOC for Service Organizations](https://storage.googleapis.com/ployai/f6e136ef-41f0-40f7-b3e7-3406b7d03e38/user/51e06399-image.webp) SOC 2 Type II Independently audited ## Resources * [FAQs](/get-help) * [Blogs](/blogs) * [Contact Us](/contact-us) * [Privacy policy](/policy/privacy) * [Terms of Service](/policy/terms-of-service) ## Disclaimer Robora Financial or Robora is a brand of FinOpti Treasury, LLC (“Robora”), a financial technology company, not a depository institution, bank, or credit union, and is not itself a FDIC insured company. FinOpti Treasury, LLC partners with OMB Bank, Member FDIC. By opening an OMB Bank account through Robora, your funds are held in a deposit account at OMB Bank. 1\. Annual percentage yield (APY) is 2.90% if the monthly average balance at the relationship level is less than $250,000, or 3.36% if the monthly average balance at the relationship level is greater than or equal to $250,000, effective as of September 17, 2026 and may change at any time, before or after the account is opened, without rate limitation. Rates are determined by varying prevailing economic and business conditions, including the U.S. Federal Reserve interest paid on reserves. 2\. Robora is not an FDIC-insured depository institution and FDIC insurance only applies to the failure of the bank where your account is maintained. By opening an account through Robora, Customers deposit their funds into either: A deposit account at OMB Bank, Member FDIC, and held by OMB Bank, with such funds (combined with any other of such Customers funds at OMB) FDIC Insured up to the current standard maximum deposit insurance amount of $250,000 ("SMDIA"); or a deposit account at OMB Bank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks for access to millions of FDIC-insurance in aggregate across the accounts. Under this program, the Customer’s funds are placed into deposit accounts across a network of FDIC-insured banks for up to the current SMDIA of $250,000 per eligible depositor, per receiving bank, for each ownership capacity or category, including any other balances they may hold at that receiving bank directly or indirectly through other intermediaries, including broker-dealers. OMB Bank uses a third-party vendor and agent to help administer this deposit placement process. View the [Institution List](https://www.intrafi.com/network-banks) for a list of the banks and savings associations with which Robora and OMB Bank have a business relationship for the placement of deposits at receiving banks, and into which your deposits may be placed, subject to the [Terms of Service](/policy/terms-of-service) and any opt-outs by OMB Bank or you. You should review the Institution list and opt-out of any particular institution to which you do not want us to allocate your funds. Certain conditions must be met to obtain such insurance and [Terms and restrictions apply](https://app.roborafinancial.com/ICS%5FDeposit%5FPlacement%5FAgreement.pdf). Your account with Robora and all services are subject to the [Terms of Service](/policy/terms-of-service), and there are no other applicable terms, representations or warranties, express or implied, except as expressly set forth in the Terms of Service. If you have any questions regarding your account, please contact [support@roborafinancial.com](mailto:support@roborafinancial.com)