A non-deposit account is authorized by a cash management agreement between the customer and Soy Capital Bank.  Under this agreement, funds are moved back and forth between a customer's checking account and the investment account via sweeps or automatic transfers.  Fund balances in the investment account are used each day to purchase, on behalf of the customer, an interest in United States Government Bonds, which serve as collateral. 

Interest is paid monthly to the investment account, at the rate of 75% of the average overnight federal funds rates for the preceeding week, as reported in the Key Interest Rate column of the Wall Street Journal. Funds in an investment account are not insured by the FDIC.