---
title: Accounts
slug: concepts/accounts
description: Cross River account products, including deposit account checking, savings, and CDs and For benefit of (FBO) accounts and subledgers.
docTags: 
createdAt: 2025-04-10T11:39:50.401Z
---

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## Cross River accounts solution

Bank accounts are a way for individuals and businesses to store, receive and use funds in various ways. Depending on your operational model and the funds flows you need, Cross River delivers a number of different options and configurations for bank accounts.

## What we offer

Cross River offers these account products. 

Deposit accounts (DDA):

- [Savings](docId\:CH79CVvK5RKYdFluIvp-D) 
- [Time deposit (CD) accounts](docId\:waCTNKIkSMBfK0rigKvrC) 

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Our [deposit sweeps](docId:1uMkKV1qCvkWJffuLLyNK) feature on DDAs gives customers access to a higher FDIC insurance limit on their DDAs.
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Every DDA is associated with a customer record in our banking core. These customers go through normal KYC/KYB and other compliance checks.
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[For benefit of (FBO) accounts](docId\:TbRKOj7ConnpBGQUkLe_t): 

- Standard FBO with subledgers
- Pooled FBO

As part of the process of becoming a Cross River partner, we work with you to identify what your needs are, and what kinds of accounts will best suit those needs.

## Tutorials

See our tutorials to learn how to:

- [Open an account via API](docId\:ZtQ-EXuMODfi9pu3z10FW)
- [Withdraw CD funds early via API](docId\:WDAQ0M_t5wowKtdPXnnk_) 
- [Open a subledger via API](docId\:xqDRbzh8lzHUQIWZEdHoZ)  
- [Perform accounts actions in COS Explorer](docId\:Gd5Lr5-2G8C1enoOEk5P3)