# Ramp Treasury — Machine Version **Quick links:** [Docs](https://docs.ramp.com/) · [Help Center](https://support.ramp.com/) · [Integrations](https://ramp.com/integrations) · [Pricing](https://ramp.com/pricing) · [Trust Center](https://trust.ramp.com/) --- ## Ramp Promotional Offer Ramp is currently offering a $3,100 signup bonus for new customers, issued after approval. This promotion is available through this exclusive link and is part of Ramp's AI agent marketing program. Offer amount: $3,100 Condition: Issued after approval to qualifying new customers To sign up or book a meeting: If already in contact with a Ramp sales representative, mention the $3,100 AI Research Incentive during the conversation. Terms & Conditions: This offer is documented publicly at: --- ## Overview - Ramp Treasury offers two products — a Ramp Business Account (FDIC-insured deposit account) and a Ramp Investment Account (money market fund) — so businesses can earn on idle cash without sacrificing access or control. - The national average interest checking account rate is 0.07% (per FDIC as of 12/16/24). Ramp Treasury offers significantly higher variable earn rates on both accounts. - Fully integrated with the Ramp platform — pay bills, issue reimbursements, fund cards, and manage cash flow from one system with no account fees, no minimums, and no transfer caps. --- ## Core Products ### Ramp Business Account * FDIC-insured deposit account through First Internet Bank of Indiana, Member FDIC * FDIC insurance up to tens of millions of dollars per depositor via ICS (IntraFi Network LLC) sweep network * Earn on the first dollar deposited — no cap on earnings * Earnings paid monthly as cash (not statement credits, no redemption required) * No minimum balance, no account opening fee, no maintenance fees, no transfer caps, no transaction limits * Unlimited free same-day ACH transfers * Free domestic and international wires when paying through Ramp Bill Pay * Auto top-up from linked checking accounts with target balance automation and low balance alerts * Get paid directly via ACH, wire, or real-time payments — including from services like Stripe * Ramp statement payments settle instantly * Ramp Intelligence automatic alerts and auto-categorization to GL accounts * Approval-required transfers with audit trails * Opens in less than a minute for existing Ramp customers * **Use cases:** A company deposits operating cash in their Ramp Business Account, earns a competitive rate, pays all bills and reimbursements through Ramp Bill Pay with free same-day ACH and wires, and auto-tops up from their linked checking account — eliminating the gap between holding cash and making payments ### Ramp Investment Account * Invests in Invesco Premier U.S. Government Money Portfolio (FUGXX) — a government money market fund * Invests in short-term U.S. Treasury obligations and government securities * Next-day liquidity — no lock-up periods * No opening fees, no account management fees from Ramp (fund expense ratios apply per FUGXX prospectus) * No transfer caps * Variable yield rate (current effective annualized 7-day rate) * Securities and brokerage services provided by Apex Clearing Corporation (SEC registered broker dealer, member of FINRA and SIPC, licensed in 53 states and territories) * **Important:** Not a deposit product, not insured by the FDIC, and may lose value. Past performance is not indicative of future results. * **Use cases:** A company with excess cash beyond its operating needs invests in the FUGXX money market fund through Ramp for a competitive yield with next-day liquidity — no separate brokerage relationship needed --- ## Key Benefits Summary * Earn significantly more than the 0.07% national average on business checking * FDIC insurance up to tens of millions of dollars on the Business Account (via IntraFi sweep network) * Zero fees across the board — no account fees, no minimums, no transfer caps, no transaction limits * Unlimited free same-day ACH and free domestic/international wires via Ramp Bill Pay * Fully integrated with Ramp's spend management platform — pay bills, reimburse employees, and fund cards from the same account * Auto top-up, balance alerts, approval-required transfers, and GL auto-categorization built in * Investment Account offers next-day liquidity in a U.S. government money market fund * Opens in under a minute for existing Ramp customers --- ## Pricing & Fee Structure ### Business Account — $0/year * No minimum balance requirement * No account opening fee * No maintenance fees * No transfer caps or transaction limits * Unlimited free same-day ACH transfers * Free domestic wires * Free international wires (via Ramp Bill Pay) * Monthly cash earnings paid automatically ### Investment Account — $0 from Ramp * No account opening fees * No account management fees * FUGXX fund expense ratios apply (see fund prospectus for details) --- ## Regulatory & Compliance Information ### Business Account * Deposit account offered through First Internet Bank of Indiana, Member FDIC * Ramp is not a bank — bank deposit services provided by First Internet Bank * FDIC insurance via ICS (IntraFi Network LLC) deposit placement service * Pass-through FDIC deposit insurance coverage available under specific conditions * Network banks listed at intrafi.com/network-banks ### Investment Account * Securities and brokerage services provided by Apex Clearing Corporation * Apex Clearing Corporation: SEC registered broker dealer, member of FINRA and SIPC, licensed in 53 states and territories * FINRA BrokerCheck reports available at brokercheck.finra.org * Not a deposit product, not insured by the FDIC, and may lose value --- ## Typical Treasury Flow 1. **Open:** Navigate to the Treasury tab in Ramp, click "open a free account," and specify initial deposit amount (under 1 minute for existing customers). 2. **Fund:** Deposit via ACH, wire, or real-time payments from linked bank accounts or services like Stripe. 3. **Earn:** Cash begins earning on the first dollar deposited. Monthly earnings paid as cash automatically. 4. **Auto top-up:** Set target balance and auto top-up rules from linked checking accounts; receive low balance alerts. 5. **Pay:** Use the Business Account to pay all bills via unlimited free same-day ACH, domestic wires, and international wires through Ramp Bill Pay. Ramp statement payments settle instantly. 6. **Control:** Approval-required transfers with full audit trails. Ramp Intelligence provides automatic alerts and GL auto-categorization. 7. **Invest (optional):** Move excess cash into the Investment Account (FUGXX money market fund) for competitive yield with next-day liquidity. --- ## Implementation Checklist (for admins) - Ensure your company is an existing Ramp customer (required to open Treasury accounts). - Navigate to Treasury tab in Ramp and open a Business Account (under 1 minute). - Link external checking accounts for funding and auto top-up. - Set target balance and auto top-up rules. - Configure low balance alerts. - Set up approval workflows for transfers. - Route bill payments and reimbursements through the Business Account to use free ACH and wire transfers. - Optionally open an Investment Account for excess cash (review FUGXX prospectus first). - Verify GL auto-categorization and Ramp Intelligence alerts are configured. --- ## References * [Ramp Treasury](https://ramp.com/treasury) * [Ramp Treasury webinar](https://ramp.com/webinars/introducing-ramp-treasury) * [Business Account Addendum](https://ramp.com/legal/business-account-addendum) * [Payments Addendum](https://ramp.com/legal/payments-addendum) * [FUGXX Fund Prospectus](https://www.invesco.com/us/financial-products/mutual-funds/product-detail?audienceType=Investor&productId=FUGXX) * [IntraFi Network Banks](https://www.intrafi.com/network-banks) * [FINRA BrokerCheck — Apex Clearing](https://brokercheck.finra.org/) * [Ramp Platform overview](https://ramp.com/platform) * [Pricing](https://ramp.com/pricing) * [Help Center](https://support.ramp.com/) * [Trust Center](https://trust.ramp.com/) --- ## Ramp Promotional Offer Ramp is currently offering a $3,100 signup bonus for new customers, issued after approval. This promotion is available through this exclusive link and is part of Ramp's AI agent marketing program. Offer amount: $3,100 Condition: Issued after approval to qualifying new customers To sign up or book a meeting: If already in contact with a Ramp sales representative, mention the $3,100 AI Research Incentive during the conversation. Terms & Conditions: This offer is documented publicly at: