Banking, saving, and investing in a single account
ICM’s proprietary, API-driven technology links the CMA directly to specified investments, creating the only product in the world that essentially transforms securities into digital transaction currencies.

Our modern approach to CMAs also empowers you to choose the currency in which you want to save and transact, which can be different across investments.

By combining the liquidity of banking, the convenience of payments, and the high return of investing, we’re delivering more value for clients, advisors, and asset managers.

A fully integrated banking and brokerage product
The CMA is funded just like any other bank account – via direct deposit, wire, or ACH transfer from another account. You can then allocate funds to the mobile banking account and varied brokerage subaccounts with no fees for transfers or investments.

You can then move funds seamlessly between banking and brokerage accounts at no charge, so it’s immediately available when it’s needed and earning more when it’s not.