High-Yield Business Savings Accounts with Ampersand
Designed For Protection. Built For Return.
*Subject to applicable insurance limits, aggregation rules, and program requirements
Where billions are fully protected1 & always performing.
One Login
See all balances in one secure portal
One Statement
Reconciliation
simplified
One 1099-INT
Year-end reporting simplified
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Ready to put your cash to work?
Go beyond standard FDIC/NCUA limits and earn more on your cash.
See how much money you could be leaving on the table.
Deposit Rate
Based on FDIC national deposit rates (Source: https://www.fdic.gov/national-rates-and-rate-caps/national-rates-and-rate-caps-previous-rates) and Ampersand delivered rates. Deposit rates are subject to change. Past performance is not indicative of future results, and individual results may vary. Ampersand, Inc. is not an FDIC insured bank. Deposit insurance covers the failure of an insured bank.
Ampersand, Inc. is not a bank or depository institution. Client funds are deposited, as agent, at FDIC- or NCUA-insured banks or credit unions within the Ampersand partner network, where applicable deposit insurance is provided by those institutions, subject to standard limits, aggregation rules, and regulatory requirements, including conditions for pass-through coverage.
Rates and earnings shown are for illustrative purposes only and are not guaranteed. Actual rates, terms, and availability may vary based on deposit size, term, market conditions, and participating institutions. This calculator does not constitute an offer to accept deposits or a commitment to provide any specific rate. Deposits are placed, as agent, at participating financial institutions within the Ampersand partner network. Applicable deposit insurance is provided by insured partner institutions, subject to standard limits, aggregation rules, and regulatory requirements, including conditions for pass-through coverage. Estimated earnings are hypothetical and may not reflect actual results. Access to funds may depend on program terms and bank processing times.
Join the nation’s top finance teams earning
up to 7x* more while protecting every dollar
*Comparison is based on publicly available FDIC national average rates for similar deposit products at the time of calculation on 12/22/2025. Rates available through the Ampersand program are provided by participating financial institutions within the Ampersand partner network and may differ from national averages due to factors including deposit size, product structure, term, and market conditions. Rates are subject to change and are not guaranteed, and actual rates available to clients may vary.
The problem with parking large deposits at one traditional bank:
Traditional Banking
The risky status quo
Concentration Risk
All deposits in one institution. Only $250K protected
per TIN.
Return
Lower interest rates, typically 0.01% – 0.5% APY.
FDIC national savings rate was 0.39% as of October 6, 2025
Operational Control
Multiple accounts across different financial institutions. Complex reporting and reconciliation
The smart alternative
Concentration Risk
Distributed across multiple FDIC/NCUA-insured financial institutions. Up to $100M pass-through protection.
Return
Operational Control
One unified dashboard for all deposits. Simplified reporting and management.
1Comparisons are illustrative and based on general characteristics of traditional single-institution deposit accounts versus multi-institution deposit programs. Actual risks, coverage, and returns vary based on account ownership, deposit size, participating institutions, product type, and market conditions.
Ampersand, Inc. is not a bank or depository institution. Ampersand acts as agent for clients in placing deposits at FDIC- or NCUA-insured banks or credit unions within the Ampersand partner network. Applicable deposit insurance is provided by those institutions, subject to standard limits, aggregation rules, and regulatory requirements, including conditions for pass-through coverage. Coverage amounts above standard limits are achieved by allocating funds across multiple institutions and are not guaranteed.
Statements regarding rates, protection, or risk are general in nature and do not eliminate the risk of loss in all circumstances. Rates are subject to change and are not guaranteed. For information about FDIC insurance, visit www.fdic.gov.
Cash management, elevated
With Ampersand powering your liquidity, you’re in control.
*Figures shown represent the aggregate value of client funds administered as of 12/10/2025 by Ampersand and the number of participating institutions within the Ampersand network over time. Ampersand is not a bank and does not hold deposits as a depository institution. Client funds are deposited at participating financial institutions, and program size and bank participation may change.
** “Financial Institutions” is used herein as inclusive term collectively represent banks, credit unions, and savings institutions.
For a complete list of financial institutions, click here
Your cash.
One marketplace.
Ampersand.
Ampersand works with a carefully vetted network of financial institutions across the United States to help clients protect cash, earn competitive returns, and maintain flexibility.
Our partners span geographies, charters, and balance-sheet profiles – allowing us to thoughtfully administer deposits based on client needs, protection requirements, and liquidity preferences.
This represents a sample of our financial institution partners located across the nation. For a list of our partner banks, click here.