Items include
deposits
Whitepapers
Deposit strategy is no longer a game of chasing balances — it's about building resilience. CFIs best positioned for long-term success are those that look beyond rates and volume to assess how, where, and why deposits contribute to profitability. This insights paper provides a comprehensive perspective on how CFIs can navigate the structural shifts reshaping deposit strategy.
How community financial institutions can maximize their relationships and compete in the deposit rate environment using profitability analysis and relationship modeling.
"Tokenized deposits" and "stablecoins" often get used interchangeably, but they're not the same thing. Here's the practical comparison CFIs need.
Deposit growth is rebounding in 2026, driven by Gen Z and Millennials. Discover how CFIs can attract young depositors with personalization, digital tools, and incentives that build long-term loyalty.
Reciprocal deposits route portions of big accounts to multiple banks so each remains within FDIC limits. We cover how your institution can apply this structure to help improve liquidity metrics and depositor satisfaction.
Amid continued competition for deposits, CFIs should aim to balance volume and profitability, using data-driven customer segmentation, tailored offerings, and relationship excellence.
Checking accounts are a common entry point for new banking relationships, and personal checking accounts can offer great incentives. Here’s how retail checking features can inspire features for business checking.
Commercial deposits are gaining ground again. We outline five practical, relationship-based strategies to help CFIs strengthen their business deposit base, without over-relying on rate to stay competitive.
CFIs are facing deposit pressure — but raising rates isn’t the only option. We highlight five creative, cost-efficient strategies to attract and retain deposits by leveraging relationships, digital tools, and community ties.
Digital banking and fintech innovation have transformed depositor behavior, creating challenges for CFIs. Learn strategies to optimize deposit management, control funding costs, and build sustainable, relationship-based financial practices.
Following tradition, we're taking a look back at your favorite articles from this year as we BID adieu to 2024. In the scramble for liquidity, attracting deposits was a top priority for CFIs, and this was one of our most-read articles. Is getting into an interest-rate war the only way for CFIs to compete for deposits at higher interest rates? We review alternative strategies for keeping up with aggressive offers from online banks and other competitors.
Over the past year, the financial sector has witnessed many disruptive forces. In a three-part series, we review the challenges CFIs have faced and how they have responded.
The FDIC’s Deposit Insurance Fund’s reserve ratio is on track to reach the statutory minimum of 1.35% by 2026 — two years ahead of schedule. We discuss the impact on community banks.
The FDIC is proposing a rule that would change the definition of “deposit broker” and expand the types of exceptions allowed. We outline how the proposed rule could significantly impact banking operations.
BAI recently hosted a webinar featuring insights on current trends and projections for small business deposit growth. We look at some of the key information from the webinar.
After the first interest-rate cut in over a year, we look at the outlook for deposit costs and offer five strategies for CFIs to maximize the opportunities in this uncertain environment.
As interest rates remain high, the battle for healthy deposits continues. We look at what else CFIs can do for their consumer and commercial customers, aside from chasing high rates, to attract and retain deposits.