Discipline I · Private Banking
Deposits, kept
the way deposits
should be kept.
Your accounts sit on our own balance sheet — not swept overnight to banks you have never met. Wires leave same-day over Fedwire, routing 021473001, and a banker who knows your name confirms the ones that matter.
021473001Dedicated routing
$0Monthly & wire fees
4.80% APYMoney market · variable
Same-dayFedwire, both directions
The accounts
Three accounts.
Three accounts.
One balance sheet.
Every dollar deposited with Ingot Private stays with Ingot Private. Nothing is brokered, networked, or renamed. The terms below are the terms.
Private Client Checking
0
Monthly fees · Wire fees waived
Dedicated routing — 021473001 — and same-day Fedwire in both directions. No minimum activity, no per-item charges, no fee schedule that needs a second reading.
Premier Reserve
4.30%
APY · Variable
Interest is computed on the average daily balance and credited on the last business day of the cycle. The arithmetic appears on the statement, to the cent.
Money Market
4.80%
APY · Variable
Overnight liquidity at a rate that does not require a promotion. Funds move to checking the same day you ask, and the desk does not ask why.
Compare the accounts
The terms, side by side.
Three accounts, one balance sheet. Read each on its own terms — nothing here is networked out, renamed, or contingent on a promotional window.
Private Client Checking
The working account for the relationship. Dedicated routing, same-day Fedwire in both directions, and no fee schedule that rewards a second reading. It is the account the desk instructs from when you call.
- Dedicated routing number 021473001
- Same-day Fedwire, instructed by your banker
- No monthly fee and no wire fee
- No minimum activity, no per-item charges
- Monthly fee
- $0
- Outgoing wire fee
- $0
- Routing number
- 021473001
Premier Reserve
Where balances rest between decisions. Interest accrues on the average daily balance and is credited on the last business day of each cycle — with the arithmetic printed on the statement, not summarized.
- Interest on the average daily balance
- Credited the last business day of the cycle
- The daily-balance table shown, to the cent
- Variable rate, no promotional step-down
- Annual percentage yield
- 4.30% APY
- Rate type
- Variable
- Interest credited
- Monthly
Money Market
Overnight liquidity at a rate that does not require a promotion. Funds move to checking the same day you ask, and the desk does not ask why. This is the account for money that must stay both liquid and productive.
- Overnight liquidity, same-day sweep to checking
- Variable rate held without introductory tiers
- Settled on the one consolidated statement
- No movement the desk cannot explain
- Annual percentage yield
- 4.80% APY
- Rate type
- Variable
- Liquidity
- Same-day
The card
Engraved,
Engraved,
and quiet about it.
A single slab of brushed metal, engraved rather than embossed. No number on the face — the number, limits and freeze control live in the app, behind Face ID. Cap a merchant, freeze the card, or free it, and the change holds before you set the phone down.
Statements
Statements that prove themselves.
Each statement is sectioned — deposits, debits, interest — and carries a daily-balance table showing exactly how the average daily balance was computed. The code in the footer is signed at issue. Scan it, or paste the reference at verify.ingotprivate.com/s, and we confirm the period and closing balance exactly as issued.
Deposit disclosures
Ingot Private deposit products are provided by Ingot Private Bank, N.A., Member FDIC and Equal Housing Lender. Annual Percentage Yields of 4.30% on Premier Reserve and 4.80% on Money Market are variable, accurate as of the current statement cycle, and may change after account opening. Interest on Premier Reserve is computed on the average daily balance and credited on the last business day of each cycle. Fees may reduce earnings. A minimum relationship of $10,000,000 applies across the house. Wires instructed before the Fedwire close are processed same-day; routing number 021473001. Statement verification confirms document facts as issued and is not a balance attestation.
Introductions are made, not applied for.
Write to the desk, or ask the client who sent you here to make the call.