FDIC

FDIC-Insured · Backed by the Full Faith & Credit of the United States Government FDIC-Insured · Member FDIC & SIPC

§ I — Prime Stewardship Reserve · MMXXVI

An institutional yield instrument, for the private client.

The Prime Stewardship Reserve is a limited-allocation, FDIC-insured deposit programme engineered for high-net-worth principals. Earn 21.40% APY on stewardship capital with the same protections as the ordinary savings account you were taught to trust — none of the ordinary yield.

FDIC-Insured Principal Preserved Monthly Interest No Monthly Fee

Contact your Private Banker → Read the Instrument ↓

§ II — The Instrument

Ordinary protection.
Extraordinary yield.

Reserve tenants receive the deposit protections of an ordinary savings account — FDIC insurance, principal preservation, monthly liquidity of interest — deployed against a curated ladder of institutional-grade instruments that private clients rarely encounter directly.

01 · Origin

What it is.

A U.S. dollar deposit account held with Greyeagle Bank, N.A., domiciled in New York and insured to the maximum permitted by the Federal Deposit Insurance Corporation. Your deposit is a general obligation of the bank — not a market security.

Bank Product Reg. Q Compliant

02 · Yield

How yield is earned.

Reserve pools are internally allocated across short-dated Treasury bills, agency paper, and secured overnight funding facilities. Greyeagle earns a spread between its funding curve and its asset curve; the balance of that spread is passed through to Reserve tenants as monthly interest.

21.40% APY Credited Monthly

03 · Protection

How you are protected.

Principal is insured by the FDIC to $250,000 per depositor, per ownership category, at Greyeagle Bank, N.A. Larger deposits are automatically distributed across affiliated banks in the Greyeagle IntraFi network to preserve pass-through insurance up to $50 million.

FDIC Cert. #24178 IntraFi · Sweep

§ III — Context

The average American
savings account pays 4.42%.

The 2026 FDIC weekly rate survey places the national deposit average at just 4.42% APY, and the top-quartile private bank offering at 11.45%. The Prime Stewardship Reserve delivers 21.40% — a multiple built not on speculation, but on the operational spread that ordinarily accrues to the bank rather than the depositor.

National Savings Average 4.42%

Top-Tier Private Bank 11.45%

Prime Stewardship Reserve 21.40%

§ IV — Terms of Custody

The plain particulars.

Everything a fiduciary counsel would inspect before recommending the instrument to a private client.

Issuer

Greyeagle Bank, N.A. — a national banking association, chartered by the Office of the Comptroller of the Currency (OCC).

Product Class

Time-restricted deposit account. Not a security; not subject to market fluctuation of principal.

Yield

21.40% APY — fixed for the initial 12-month term, credited monthly.

Minimum Deposit

$100,000 principal. Additional deposits accepted in multiples of $10,000.

Term

12 months, with automatic renewal at the then-prevailing Reserve rate. A 10-day grace window permits early withdrawal at each renewal.

Insurance

FDIC-insured to $250,000 per depositor, per ownership category. Balances above are pass-through insured via the IntraFi network up to $50,000,000.

Early Withdrawal

Permitted; forfeits 90 days of interest on the sum withdrawn. Principal is never at risk.

Fees

No monthly fee. No account maintenance fee. Wire transfers waived on outbound settlements above $250,000.

Underwriting

Reserve accounts are extended on invitation and following completion of a Bank Secrecy Act / OFAC review. Allocation is finite and closes when the quarterly ceiling is reached.

Encrypted · TLS 1.3 · Application Form

Request an allocation.

The Reserve is limited to 1,000 remaining allocations this quarter. Complete the particulars below; a Client Steward will contact you within one business day to complete underwriting.

Please correct the highlighted particulars to continue.

I Principal Particulars

First Name· Please enter your first name.

Family Name· Please enter your family name.

Date of Birth· You must be of age of majority in your jurisdiction. Reserve accounts are not offered to minors. Please enter your date of birth.

Citizenship· Required for Bank Secrecy Act review.

SSN / ITIN· Masked and transmitted over TLS 1.3. Please enter a valid taxpayer identification number.

II Correspondence

Email Address· Please enter a valid email address.

Phone Number

Please enter a valid phone number.

Residential Address· Please enter your residential address.

City· Required.

State / Region· Required.

Postal Code· Required.

Country· Required.

III Reserve Allocation

Reserve Tier·

Reserve $100,000 – $249,999 21.40% APY Stewardship $250,000 – $999,999 21.40% APY Patrimony $1,000,000+ 21.40% APY · IntraFi

Please select a reserve tier.

Initial Deposit·

Minimum $100,000. Deposits above $250,000 are IntraFi-swept. Please enter an initial deposit of at least $100,000.

Source of Funds· Required for anti-money-laundering review.

Employment Status· Required.

Estimated Liquid Net Worth· Required for suitability review.

Notes for your Client Steward (optional)

IV Consent

I have read and agree to Greyeagle's Deposit Account Agreement, Truth-in-Savings Disclosure, and Privacy Notice. I consent to identity and source-of-funds verification pursuant to the USA PATRIOT Act, Section 326. I agree to be contacted by a Client Steward by phone, email, or the messaging service of my choice.

Encrypted · TLS 1.3

Security Tips · Fraud Protection · Privacy

Application received.

Thank you, principal. Your request for allocation to the Prime Stewardship Reserve has been logged with the Underwriting Office. A Client Steward will contact you within one business day at the correspondence details on file.

Reference GYE-2026-000000

In the interim, you may attach any supporting documentation to your reference by replying to the acknowledgement email we have just sent.

Return to Homepage → New Application ↻

Annual Percentage Yield (APY): All APYs are accurate as of 16 · II · MMXXVI. The introductory 21.40% APY applies to the Prime Stewardship Reserve for its initial 12-month term. Rates thereafter reset at the then-prevailing Reserve rate. Rates are subject to change without notice prior to account opening. Interest is credited monthly.

FDIC Insurance: Deposits are insured by the FDIC up to $250,000 per depositor, per insured bank, for each ownership category. Balances above the standard limit are pass-through insured through the IntraFi ICS® network at participating banks up to $50,000,000. FDIC insurance does not cover market or investment losses; the Prime Stewardship Reserve is not an investment product, security, mutual fund, or annuity.

Underwriting: Reserve allocations are limited and offered subject to satisfactory completion of Bank Secrecy Act, USA PATRIOT Act (Section 326), and OFAC review. Greyeagle Bank, N.A. reserves the right to decline or limit allocations at its sole discretion. Application does not constitute a contractual offer of deposit; the deposit contract arises only upon written acceptance by the bank and receipt of funds.

Early Withdrawal: The Prime Stewardship Reserve is a 12-month time deposit. Early withdrawal is permitted at any time and does not place principal at risk; however, ninety (90) days of interest on the withdrawn sum will be forfeited as a customary early-withdrawal fee. Full particulars are set out in the Deposit Account Agreement.