Flourish CasH
Your smarter way to save—high yields, full FDIC protection, and effortless access.
A high-yield cash solution designed to help your money work harder
Unlike traditional banks, which offer minimal returns or tie your money up, Flourish Cash helps protect your savings from inflation while keeping your cash fully available.
How Flourish Cash works
Flourish Cash is a premium cash management solution offered through Griffin Black’s wealth management services.
Flourish is not a bank, but the money you transfer into your account is automatically deposited into their member Program Banks, such as PNC Bank and US Bank. You get competitive yields that integrate with your personal wealth strategy. It’s simple, smart, and secure.
You deposit funds into your bank
Determine what money in your account you’d like to use for Flourish Cash
Transfer money to Flourish Cash
Money can be easily transferred between your bank and Flourish Cash
Funds are distributed
Flourish Cash deposits your money into one or more of their partner banks
Manage cash as part of your comprehensive wealth plan
Cash as an asset class
The statistics are very clear: over the long term, large cash balances are a drag on the growth of your wealth. In the short term, however, cash provides stable spending power and much-needed stability. And there, of course, is the rub. You need the right amount of cash: not too much and not too little. But determining the right amount of cash for your particular circumstances depends on a lot of factors, including your life plan and the overall configuration of your wealth.
Your personal cash management needs
Just as other aspects of your wealth plan change throughout your life, so too does the cash you need, as well as the reasons for holding it. Those reasons vary: building a protective reserve against the loss of a job early in your career, accruing a short-term pool of spending power when you retire, or holding a large store of buying power in anticipation of a significant purchase, like a home.
QuickBooks and Quicken integration
With integrations, you can securely connect your Flourish Cash accounts to all QuickBooks and Quicken products. Make life easier by automatically importing Flourish Cash information and transactions into the applications you use for financial management and accounting. Whether you use these tools for personal finances, business, or both, you can streamline and simplify how you manage your accounts.
Buckets for customizable goals
Easily segment funds in your Flourish Cash accounts using buckets! Personalized categories or savings goals help you earmark funds so that you can easily track progress and stay motivated. Saving for a big vacation, credit card payment, emergencies, or an upcoming wedding are just some of the ways Flourish Cash buckets can be used to make your journey clearer. Business owners can use buckets to designate certain funds for payroll, operating expenses, taxes, and more.
The right tool for the job
However much cash you need and for whatever reasons, some requirements stay the same… and Flourish Cash has the solution.
Safety for your funds
Flourish Cash gives you expanded FDIC insurance, so you don’t have to worry about the security of your cash.
Liquidity and availability
With a minimum investment of $1 and holding period of 1 day, Flourish Cash offers superior access without loss of return.
No big changes
No need to change your existing banks or payment methods: Flourish Cash works with your existing relationships.
Save time, make money
No more shopping around for the highest available rate; Flourish Cash does the shopping for you.
available through griffin black
Your Griffin Black advisor can help you integrate high-yield cash solutions into your broader plan.
Flourish Cash is just one piece of your financial picture, whether you’re enhancing your financial stability, managing business liquidity, or optimizing nonprofit reserves.
The Fine Print
KEY DISCLOSURES:
- Flourish Financial LLC is not a bank.
- Unless otherwise disclosed, your investment advisor is not affiliated with any Flourish entity.
- Your advisor may charge fees which impact the effective rate you receive on your cash
Flourish is an online platform through which investors can access financial services and products. Flourish's offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC, and, where applicable, Flourish Financial LLC. Flourish Insurance Agency operates in its capacity as a licensed insurance producer with offices in Jersey City, New Jersey, and does business in California under the name Flourish Digital Insurance Agency, providing insurance services related to such platform. Variable annuities, defined in this context to include Registered Index-Linked Annuities ("RILAs"), are offered through Flourish Financial LLC. Annuities shown on the platform are sold through Flourish Annuities, and are issued by one or more licensed insurance companies. The Flourish entities mentioned above are affiliates. Flourish Cash and Flourish Annuities accounts are separate accounts and only assets in Flourish Cash accounts may be eligible for protection by the FDIC or SIPC. Please review the Legal section of our website, and the disclosures provided with each Flourish service or product for further information. If you were introduced or invited to Flourish by an investment advisor or other third party, please be aware that, unless otherwise disclosed to you, they are not affiliated with any Flourish entity. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2025 Flourish. All rights reserved.
† A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest.
§ Flourish Cash has a tiered interest rate structure and currently has one tier in effect. Rate and FDIC insurance coverage details can be found in the program summary. We deposit your cash with one or more of the Program Banks, subject to any Program Bank(s) you have excluded. You will earn the highest rate offered by Flourish up to the maximum deposit amount for each tier. Each annual percentage yield (APY) displayed here is effective as of 09/18/2025 and may change at any time. Your advisor may charge fees which impact the effective rate you receive on your cash; you should speak with your advisor for more information. The Flourish Cash interest rate(s) could be lower than the rate that could be earned by opening a deposit account directly with a Program Bank.
| For transfer requests submitted by the applicable deadline, funds will generally be transferred to or from the requested external account by the same or next business day, except for requests submitted on the weekend or on a holiday, which should be completed by the following business day. In some circumstances, transfers may take longer to complete, as further described in your Account Agreement. For withdrawal requests, fund availability is subject to the processing timeline of the receiving financial institution and may not be displayed or available until the end of the financial institution's business day.
∫ Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC, and, where applicable, Flourish Financial LLC. All Flourish entities are affiliates of each other. Flourish Insurance Agency operates in its capacity as a licensed insurance producer with offices in Jersey City, New Jersey, and does business in California under the name Flourish Digital Insurance Agency, providing insurance services related to such platform and the individual annuity contracts intended to be purchased by individual clients of registered investment advisors (“RIAs”). Variable annuities, defined in this context to include Registered Index-Linked Annuities (“RILAs”), are offered through Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank.
An annuity is an insurance contract. Variable annuities are considered securities. Securities are subject to investment risks, including possible loss of the principal invested. Annuities available on the platform are sold through Flourish Annuities and are issued by one or more licensed insurance companies. The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company. This is not a proposal or a solicitation to purchase insurance and is for RIA use only. Flourish Annuities is not available to New York residents.
Δ An advisors' ability to view client account information is subject to applicable privacy laws and clients' consent to such sharing.
Ω The cash balance in a Flourish Cash account that is swept to one or more Program Banks is eligible for FDIC insurance, subject to FDIC rules, including aggregate insurance coverage limits. FDIC insurance will not be provided until funds arrive at the Program Bank. The current list of Program Banks can be found here. Customers are generally eligible for FDIC insurance coverage of $250,000 per customer, per Program Bank, for each account ownership category. FDIC insurance coverage details can be found in the program summary. If the number of Program Banks decreases for a customer (for instance, because a customer chooses to exclude Program Banks from receiving their deposits), the amount of FDIC insurance through Flourish Cash could be lower. Customers are responsible for monitoring whether they maintain deposits at a Program Bank outside of Flourish Cash and should consider choosing to exclude that Program Bank from receiving their deposits to avoid exceeding FDIC insurance limits. Although Flourish Cash is offered through a brokerage account and cash held in brokerage accounts often has the benefit of SIPC protection, until such time as we offer securities products, customers likely will not have the benefit of SIPC protection. SIPC protection is not available for cash held at the Program Banks. For additional information regarding FDIC coverage, visit https://fdic.gov/.