When the option you choose for your Core Sweep is the Bank Deposit Sweep Program, cash balances (or free credit balances) are automatically “swept” into an interest-bearing deposit account at Union Bank Free credit balances in your brokerage account including interest and dividends will begin earning interest once “swept” into the Bank Deposit Sweep Program1. Once un-invested funds are swept back into your Union Banc Investment Services brokerage account, stocks, bonds,4 mutual funds,5 and other securities can be purchased with these funds.