What Is a Bank Failure? Know the Signs and What to Watch For
April 28, 2025
What Is a Bank Failure? Know the Signs and What to Watch For
Uncover the causes and effects of bank failures and panics, shedding light on their impact on the economy and financial stability. Stay informed and prepared.
Read MoreWhen Loans Come with Strings Attached: Understanding Deposit Requirements
February 24, 2025
When Loans Come with Strings Attached: Understanding Deposit Requirements
When Loans Come with Strings Attached: Understanding Deposit Requirements In certain circumstances, banks will require depositors to maintain specific deposit...
Read MoreAmpersand Explains: What is Arbitrage Rebate Compliance?
February 10, 2025
Ampersand Explains: What is Arbitrage Rebate Compliance?
Ampersand Explains: What is Arbitrage Rebate Compliance? Arbitrage rebate compliance (ARC) is a requirement of the Federal Tax Code of 1986....
Read MoreAmpersand Opinion: What We’re Watching in 2025
January 17, 2025
Ampersand Opinion: What We’re Watching in 2025
What’s next in banking, fintech, and the regulatory environment in 2025? In this blog, Ampersand experts share what they’re keeping an eye on in the new year.
Read MoreAmpersand Opinion: 2024 Year in Review
December 16, 2024
Ampersand Opinion: 2024 Year in Review
In this blog, the Ampersand Editorial team provides their insights on the top five cash management stories of 2024, and what to expect in the deposit management and fintech space in 2025.
Read More5 Tips for Impactful Bond Proceeds Management
November 25, 2024
5 Tips for Impactful Bond Proceeds Management
November isn’t just election season, it’s also referendum season. Across the U.S., referendums were on the ballot with the goal...
Read MoreAmpersand Celebrates One Year
November 22, 2024
Ampersand Celebrates One Year
Ampersand Inc., the nation’s preeminent national authority in the deposit management sector, is pleased to announce it’s one year anniversary....
Read MoreHappy Thanksgiving from Ampersand!
November 21, 2024
Happy Thanksgiving from Ampersand!
At Ampersand, there is nothing we love more than getting together with those that matter most to us and sharing...
Read MoreManaging Your Church's Finances Like a Fortune 500 CEO
November 18, 2024
Managing Your Church's Finances Like a Fortune 500 CEO
Fortune 500 CFOs understand the importance of diversified liquidity management, ensuring that no financial asset is overly concentrated or at...
Read MoreAmpersand Explains: Banking Challenges and Solutions in the EB-5 Industry
November 4, 2024
Ampersand Explains: Banking Challenges and Solutions in the EB-5 Industry
In this blog, Ampersand explains the challenges EB-5 regional centers might face as they manage funds for investors.
Read MoreManaging School District Funds to Benefit The Community
October 28, 2024
Managing School District Funds to Benefit The Community
With more referendums than ever on ballots across America, Ampersand explains how these funds can be used to benefit students as well as the community.
Read MoreBank Failure Watch: The First National Bank of Lindsay
October 21, 2024
Bank Failure Watch: The First National Bank of Lindsay
On Friday October 18th, 2024, The First National Bank of Lindsay in Lindsay, Oklahoma was closed by the Office of the Comptroller of the Currency (OCC.) This is the second bank failure of 2024.
Read MoreAmpersand Explains: The Importance of Deposits
October 21, 2024
Ampersand Explains: The Importance of Deposits
Did you ever wonder where banks get their money from to make loans or how banks make a profit? In this post, Ampersand explains how banks operate, and why deposits are vital.
Read MoreAmpersand Explains: Values-Aligned Banking
October 7, 2024
Ampersand Explains: Values-Aligned Banking
In this post, Ampersand explains the concept of values-aligned banking: what it is, why it's growing in popularity, and why it needs to be a consideration for you when choosing a banking partner.
Read MoreAmpersand Explains: Deposit Rates
September 30, 2024
Ampersand Explains: Deposit Rates
In this post, we’ll break down how deposit account rates are calculated, how banks determine what rates to offer, and strategies to ensure you get the best rates on your deposits.
Read MoreCash Deposits & Local Governments: Is the LGIP the best choice?
September 23, 2024
Cash Deposits & Local Governments: Is the LGIP the best choice?
Is using the LGIP for your district’s cash management the best solution? Your community may be missing out on a higher return and personalized service.
Read MoreGive Community Bankers a Break!
September 16, 2024
Give Community Bankers a Break!
On July 30, the FDIC Board of Directors proposed a rule change that could significantly alter how banks classify deposits...
Read MoreThe Case Against Expanding the Definition of Brokered Deposits
September 9, 2024
The Case Against Expanding the Definition of Brokered Deposits
The FDIC’s recent proposal to expand the definition of brokered deposits is a popular topic. In this post, we review the facts and explain why this expansion is unnecessary and could be harmful.
Read MoreFinancial Strategies For Accelerating Your Impact
August 19, 2024
Financial Strategies For Accelerating Your Impact
Now more than ever, it’s vital for financial decision makers to understand what levers they can pull to make a positive community impact. Cash management can be an important part of this strategy
Read MoreAmpersand Explains: Bank Failures
August 12, 2024
Ampersand Explains: Bank Failures
In the wake of high profile bank failures in 2023 and 2024, Ampersand explores why banks fail, and what it means if your bank fails
Read MoreAmpersand Explains: Deposit Insurance
August 5, 2024
Ampersand Explains: Deposit Insurance
In this post we’ll cover what FDIC Insurance is and why it should be a consideration as part of any comprehensive deposit management strategy.
Read MoreAccelerating the Philanthropic Impact of Foundations and Family Offices
July 23, 2024
Accelerating the Philanthropic Impact of Foundations and Family Offices
A review of how family office wealth managers can accelerate positive community impact through deposit management.
Read MoreSupporting Community Banking Through Deposit Management Strategies
July 16, 2024
Supporting Community Banking Through Deposit Management Strategies
It’s easy for corporations, nonprofits, and high net worth individuals to support community banking through comprehensive deposit management strategies.
Read MoreHow Luxury Brands Can Use Cash Management as a Tool for Social Good
July 9, 2024
How Luxury Brands Can Use Cash Management as a Tool for Social Good
In this article we’ll explore how luxury brands can leverage their cash deposits to support social good.
Read MoreUnderstanding Concentration Risk
June 18, 2024
Understanding Concentration Risk
Concentration risk is a term you’ve probably heard before, but perhaps haven’t thought much about. In this post we discuss why depositors should understand what it is and offer tips for keeping your organization’s funds safer.
Read MoreConsiderations for Law Firms Managing Client Funds
June 11, 2024
Considerations for Law Firms Managing Client Funds
At some point, all lawyers will find themselves in a situation where they will need to manage client funds. This can include advance payments, settlement checks, or expenses. Legally, acting as a fiduciary for your client means that you must manage funds carefully to remain compliant.
Read MoreA Quick Guide To Treasury Management for CFOs
June 4, 2024
A Quick Guide To Treasury Management for CFOs
In this quick guide to treasury management, we’ll explain what it is, how it can support organizational strength and growth, and why it may make a CFO’s job a bit easier.
Read MoreAmpersand Explains: The Commercial Real Estate Landscape in 2024
May 21, 2024
Ampersand Explains: The Commercial Real Estate Landscape in 2024
One of the hottest topics in banking today is the current landscape of the commercial real estate industry and its impact on not just the banking system, but the economy as a whole.
Read MoreAmpersand Opinion: Should Deposit Insurance Coverage Limits Be Raised?
May 14, 2024
Ampersand Opinion: Should Deposit Insurance Coverage Limits Be Raised?
As fears of additional bank failures continue among corporate financial decision-makers, policymakers and regulators have discussed revisiting FDIC coverage limits.
Read MoreMaximizing Liquidity: How Cash Management Strategies Empower Businesses
May 7, 2024
Maximizing Liquidity: How Cash Management Strategies Empower Businesses
Maximizing liquidity helps businesses maintain stability, grow, manage debt, and contributes to their overall financial health. Adopting sound cash management strategies can help businesses prioritize liquidity and better position themselves for success.
Read MoreHow AI and Machine Learning are Transforming the Banking Industry
May 3, 2024
How AI and Machine Learning are Transforming the Banking Industry
Artificial intelligence and machine learning are becoming more common across a variety of industries. Find out how financial institutions and organizations like Ampersand are leveraging AI to deliver personalized solutions while ensuring the safety and security of their clients' deposits.
Read MoreBank Failure Watch 2024: Republic First
April 30, 2024
Bank Failure Watch 2024: Republic First
On Friday, April 25th 2024, Fulton Bank N.A. assumed “substantially all” deposits of Republic First Bank, a Philadelphia based bank with approximately $4 Billion dollars in deposits and $6 Billion dollars in total assets.
Read MoreWhat Makes a Bank “Safe?”
April 23, 2024
What Makes a Bank “Safe?”
“Bank safety” encapsulates a mix of safeguards, stress tests, and insurance mechanisms. In this post we take a closer look at what it means for banks to be deemed "safe," the guardrails that are in place such as bank stress tests, and the benefits and limitations of FDIC insurance.
Read MoreUnderstanding the Difference Between ESG & Impact Investing
April 16, 2024
Understanding the Difference Between ESG & Impact Investing
Explore the differences between ESG and impact investing, and find out how your deposits can support your organization’s values.
Read MoreThe Benefits of Deposit Management Strategies for Non-Profits
April 9, 2024
The Benefits of Deposit Management Strategies for Non-Profits
A deposit management strategy can help ensure long-term sustainability and success for non-profit organizations long after their giving campaigns wrap up. Take a look at some of the benefits of deposit management strategies for nonprofits.
Read MoreHelping Foster Families in Need: Silver Birch Ranch
April 1, 2024
Helping Foster Families in Need: Silver Birch Ranch
A review of the client relationship between Silver Birch Ranch Ministries and Ampersand.
Read MoreA History of The Deposit Insurance Fund
March 28, 2024
A History of The Deposit Insurance Fund
A deeper look at the history of the Deposit Insurance Fund including how the fund balance is raised through assessment fees, and how your deposits are protected.
Read MoreBanking Opportunities for Churches
March 18, 2024
Banking Opportunities for Churches
Choosing where and how to manage deposit funds is a crucial decision for leaders of faith-based organizations.
Read MoreThe Women of Ampersand Champion Progress at Every Level
March 8, 2024
The Women of Ampersand Champion Progress at Every Level
On this International Women’s Day, Ampersand celebrates the women who are championing progress for our company, our industry, and beyond!
Read MoreWhy Businesses are Rethinking their Approach to Cash Deposits
March 5, 2024
Why Businesses are Rethinking their Approach to Cash Deposits
Would you choose to sacrifice returns on your company’s cash deposits?
Read MoreA Closer Look at Deposit Insurance
February 29, 2024
A Closer Look at Deposit Insurance
Learn why the FDIC was created, what it does for depositors, and more, from Ampersand’s treasury management experts.
Read More