- Tuesday, September 30, 2025
At Deposit Capital, we know that financial decisions come with big questions. That’s why we’ve compiled the most important details about our Courtesy Deposits, eligibility, costs, and process into one place. Whether you’re preparing a loan proposal or exploring funding options, our FAQs give you the clarity you need to move forward with confidence.
Have questions about how our Courtesy Deposit service works? Explore our FAQs to find answers and better understand the process.
NO. We try to make this point as clear as possible but we find it often takes about 7-10 readings of our frequently used phrase to get this message across:
“The Courtesy Deposits we make cannot be encumbered, pledged, put in jeopardy, used to collateralize your loan, or used to guarantee your loan, and your lender does not have the right of offset against our deposits. No funds can or will be deposited into your bank account. Only your Banker will have access to the Courtesy Deposit funds at the bank.”
Applicants must agree to our three conditions. They are:
1. The deposits we arrange on your behalf must never be at risk. Acceptable institutions will carry appropriate insurance to cover our deposits. FDIC insurance in the USA guarantees each $250,000 USD deposit that we make is guaranteed to be repaid. Other such insurance programs are in place in other countries. The deposits themselves may be insured by such insurance companies as Lloyds of London and other insurers. We will verify this issue at length with the financial institution you request.
2. The deposits we arrange cannot be encumbered, pledged, put in jeopardy, used to collateralize your loan, or used to guarantee your loan. Your lender does not have the right of offset against our deposits. No funds can or will be deposited into your bank account. Only your Banker will have access to the funds used to purchase Jumbo CD’s at the bank. Any misrepresentation of these terms to any involved party could increase your transfer expenses or make the transaction not viable and most likely will result in a penalty fee on the requested amount. We will verify this issue at length with the financial institution you request.
3. Clients fee (or a portion thereof) are paid into a Deposit Capital trust account prior to any movement of deposits into your requested bank. Once you complete our application document and we receive your funds in our trust account we will process the transaction and arrange for the Courtesy Deposit within 10 business days. Once the Courtesy Deposit has been ordered you cannot cancel the transaction. Provided our terms have been adhered to, your fee is fully refundable in the event we cannot confirm the Courtesy Deposit in your bank within 10 business days of your fee arriving in our trust account.
Deposit Capital fees are very simple.
If you request a Courtesy Deposit transfer less than one million dollars our fee is 5% (five percent) of the amount requested and if you request a Courtesy Deposit transfer of one million dollars or more our fee is 4% (four percent) of the amount requested.
This is the only fee you will be charged for this service. Not until the CD deposits are confirmed received at the financial institution you requested will Deposit Capital be paid from the trust account.
We’re here to support your funding journey. Reach out anytime — we’re ready when you are.
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