Cash Builder and Cash Builder+ let a customer put idle cash to work without leaving PCE. Both are opened under a customer and funded from an existing Passport account — the difference is how they earn yield. A Cash Builder account invests surplus funds through Treasure across managed products, while a Cash Builder+ account pays a fixed, tiered interest rate on the account balance itself.

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Priority is a technology provider only. Priority acts solely as a technology provider. It is not a broker and does not provide investment advisory services.

Common use cases

Grow a business customer's surplus cash through managed investments (Cash Builder).
Earn a higher, predictable interest rate on cash while staying fully liquid (Cash Builder+).
Keep interest-earning balances inside PCE and move funds to and from a checking account on demand.

What yield these accounts offer

Yield is the return a customer earns on the money held in the account. The two account types generate it differently:

	Cash Builder	Cash Builder+
How yield is earned	Surplus cash is invested through Treasure across managed products (Managed Treasuries, Managed Money Market, Managed Income). Customers also earn a return on uninvested cash, per the account agreement.	A fixed, tiered interest rate paid on the account balance itself — no investments to manage.
Yield type	Variable / market-based; value moves with market performance and is shown as ROI.	Predictable / rate-based. Default tiers: 2.75% on the entire balance when the daily balance is below `$100,000.00`; 4.25% when it is `$100,000.00` or more.
Payout	Returns accrue in the invested portfolio and can be redeemed to the available cash balance.	Interest accrues daily and is credited monthly, creating a ledger entry.
Liquidity	Funds must be redeemed from investments (typically 3–5 business days).	Fully liquid; move funds via BOOK transfer any time.
Best for	Businesses that want to grow surplus funds through managed investments.	Customers who want higher interest than a standard account while staying fully liquid.

Who can use these accounts

Eligibility

Cash Builder — a business customer with at least one Passport checking account, and a qualifying entity type (Single-member LLC, LLC, Partnership, S Corp, or C Corp).
Cash Builder+ — a customer with at least one ACTIVE Passport account. The account can only be funded from a Passport checking account, and the option is visible only when Enable Cash Builder+ is turned on for the customer at the Program Manager level.

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A Cash Builder+ account cannot be used as a Target Balance Account (TBA) Master account. See Target Balance Account (TBA).

Open the account

A Cash Builder+ account is a deposit account created with the standard Create an Account API by setting type to CASH_BUILDER_PLUS. The type enum currently supports CHECKING and CASH_BUILDER_PLUS. It requires the PASSPORT_CASH_BUILDER_PLUS_ACCOUNT_AGREEMENT document instead of the standard SPAA. See Open an Account for the full flow, statuses, and validation.

Request

POST /v1/customer/id/48201/account

{
  "externalId": "E22343423456785",
  "isCustomerOwned": true,
  "type": "CASH_BUILDER_PLUS",
  "linkedDocument": [
    {
      "purpose": "AUTHORIZATION",
      "document": {
        "type": "PASSPORT_CASH_BUILDER_PLUS_ACCOUNT_AGREEMENT",
        "name": "cash-builder-plus-agreement.pdf",
        "base64encodedContent": "Q3Jvc3Nyb2FkcyBGaW4..."
      }
    }
  ]
}

Response

201 Created with the new account id in the url response header (no body). Retrieve the account to track verification and activation the same way as a standard deposit account.

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Opening a Cash Builder (Treasure) account. The investment-based Cash Builder account is provisioned through the Customer Portal onboarding and the Treasure Sign up for Investment flow. There is no distinct CASH_BUILDER type in the Create an Account API today (the enum exposes only CHECKING and CASH_BUILDER_PLUS).

Fund and withdraw

Funding and withdrawals use the BOOK method (an internal account-to-account transfer). Fund the account by setting the Cash Builder / Cash Builder+ account as the destination; withdraw by making it the source and a checking account the destination. See Move money for all methods.

Request

POST /v1/customer/id/48201/transaction

{
  "externalId": "E889459937363",
  "method": "BOOK",
  "amount": "101",
  "type": "REGULAR",
  "purpose": "Fund Cash Builder+",
  "source": { "account": { "id": 4005977 } },
  "destination": { "account": { "id": "4005979" } },
  "allowDuplicate": "false"
}

Response

201 Created — a ledger entry is created for the transaction.

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BOOK transfer timing. Depending on the investment mode configured by the admin team, BOOK transfers can post immediately or be delayed. Withdrawals settle only to a checking account and can take up to two days, appearing as Pending / Processing in transit in the meantime.

View earned yield

Interest credited to a Cash Builder+ account is recorded as yield history on the account. Use List Interest History to retrieve it.

Request

POST /v1/customer/id/48201/account/id/88712/interestHistory/list
PromiseMode: NEVER

{
  "pageNumber": 1,
  "pageSize": 25,
  "sortOptions": { "sortBy": "createdOn", "sortOrder": "desc" },
  "criteria": {
    "filters": [
      { "key": "processDate", "operator": "gte", "values": ["06/25/2024"] }
    ]
  }
}

Response

{
  "totalCount": 1,
  "returnedCount": 1,
  "pageNumber": 1,
  "hasMore": false,
  "resources": [
    {
      "resourceName": "account",
      "url": "/v1/customer/id/48201/account/id/88712",
      "id": 1072,
      "status": "PROCESSED",
      "interestAmount": "2.33",
      "processDate": "06/25/2024",
      "createdOn": "06/25/2024 10:32:03"
    }
  ]
}

Current limitations

No dedicated Create Account type for the investment-based Cash Builder account (Treasure onboarding only).
Yield rate tiers are configured internally (Processing Settings); there is no public API to set them.

Cash Builder & Cash Builder+ Accounts

What yield these accounts offer

Who can use these accounts

Open the account

Fund and withdraw

View earned yield

Current limitations

See also