StoneCastle review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
StoneCastle suits US businesses that park spare cash and need same-day access without paying anything to hold it. The easy-access account pays 3.5% on a variable rate, and the monthly fee is $0 with a minimum deposit of $0, so keeping working capital parked costs nothing.
Key facts
- Best for
- US businesses holding short-term cash that must stay reachable.
- Headline rate
- 3.5%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Access terms
- On-demand access; next business day liquidity, 3:00 PM ET cut-off for same-day deposit credit and next-day liquidity withdrawals↗
- Monthly fee
- $0↗
- Account kind
- Easy access↗
- Legal entity
- StoneCastle Cash Management, LLC↗
- Headquarters
- United States↗
- Founded
- 2009↗
- Support channels
- Email, Phone↗
- Pricing model
- No monthly fee
- Official website
- stonecastle.com
Everyday accounts
- Audience
- Business
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Monthly fee of $0 and a minimum deposit of $0, so nothing is charged to hold the balance
- Variable rate of 3.5%, which sits above the median of 3% across 473 brands
- On-demand access, with deposits made before the same-day cut-off credited the same day
Cons
- Withdrawals settle the next business day rather than instantly, so same-day liquidity depends on the same-day cut-off
- Built for business customers, so a personal account is outside what it is set up for
Ready to try StoneCastle?
Scored 9.0 / 10 by VaultCue.
Who it suits
- US businesses holding short-term reserves in a single currency
- Finance teams that want a variable rate with no account charge to negotiate
- Anyone who can work to the same-day cut-off for deposit credit
Who should look elsewhere
- People wanting card-led credit, where AXI Card Tarjeta y Credito shows a headline rate of 21.59%
- Savers who need to move money internationally, where PayPal Colombia at 3.3% fits a different job
How StoneCastle compares
9.0 vs 8.6
9.0 vs 9.5
9.0 vs 8.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.7- 9.0 vs 8.0
9.0 vs 9.0
9.0 vs 8.1
9.0 vs 8.7
9.0 vs 8.0
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 9.0
Where StoneCastle is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an account with StoneCastle?+
The monthly fee is $0 and the account runs on a no monthly fee model, so holding the balance does not cost you anything each month. Fees on the site reach €449 at the top, with a median of €0, so this sits at the free end.
What rate does StoneCastle pay and can it change?+
The headline rate is 3.5% and the rate type is variable, which means the figure can move rather than being locked for a term. Most savings accounts on the site are 79% too, with a median headline rate of 3%.
How fast can I get money out of StoneCastle?+
Access is on demand, but liquidity settles the next business day. Deposits that clear the same-day cut-off are credited the same day, so timing a transfer ahead of that point keeps the cash on the same working day.
How much do I need to deposit to open the account?+
The minimum deposit is $0, so there is no floor to clear before you start earning. That places StoneCastle at rank 1 on minimum deposit out of 370 brands, well under the €21.14 upper quartile of €100,000.
Who is StoneCastle for?+
The audience is business, so this is a business product rather than a personal one. The legal entity is StoneCastle Cash Management, LLC, based in the United States and founded in 2009, and support runs through email and phone.
What kind of account is it?+
It is an easy access account, the most common kind in this ranking, so your money stays available without a notice period. Fixed and notice accounts make up a small share of the 1,441 brands here.
How does the rate compare with other savings accounts?+
StoneCastle ranks 184 on headline rate out of 473 brands, with a rate of 3.5%. Most savings accounts cluster at or below 4.5%, so it sits above the bulk of the field.
Sources
- keepcash.com checked September 26, 2026
Backs: Access terms, Headline rate, Pricing model, Monthly fee, Rate type
“Liquidity is ordinarily available on a next business day basis. Same day deposit credit and next day liquidity withdrawals are subject to a 3:00 PM ET cut-off.”
- keepcash.com/rate-tiers checked September 26, 2026
Backs: Minimum deposit
“KEEP by StoneCastle Rate Tiers: $0 - $1,000,000 3.50%”
- stonecastle.com checked September 26, 2026
Backs: Audience
“StoneCastle's Insured Deposit Platform optimizes deposits for individual, commercial and governmental depositors”
- stonecastle.com/about checked September 26, 2026
Backs: Founded, Legal entity
“Founded in 2009, StoneCastle provides institutional-grade cash and savings solutions that deliver stable, diversified funding to financial institutions”
- stonecastle.com/contact checked September 26, 2026
Backs: Headquarters, Support channels
“Headquarters StoneCastle 152 West 57th Street, 52nd Floor New York, NY 10019”
- stonecastle.com/insured-deposits checked September 26, 2026
Backs: Account kind
“Deposits always available on demand - withdraw your funds with just a few clicks”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.