Designed for protection.
Built for return.
A high-yield, protected1 business savings account offered by Ampersand Financial through its network of FDIC- and NCUA-insured banks and credit unions — with rates that have averaged 5–9x the national average.‡
1 Subject to applicable insurance limits, aggregation rules, and program requirements. Ampersand, Inc. is not an FDIC/NCUA insured bank/credit union and deposit insurance covers the failure of an insured bank/credit union. Additionally, certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Animation is illustrative only; amounts, increments and interest shown are hypothetical and not indicative of actual allocations.
‡ Ampersand program rates have averaged 5–9x the FDIC national average savings rate. Comparison is based on publicly available FDIC national average rates for similar deposit products (Source: fdic.gov/national-rates-and-rate-caps) versus rates provided by participating financial institutions in the Ampersand program, as of 10/15/2026. Averages are not a guarantee of any individual client’s rate; actual rates vary by deposit size, product structure, term, market conditions and participating institutions, and are subject to change. Past performance is not indicative of future results.
§ No setup fees, monthly fees or minimum balance apply to the Ampersand high-yield account. A placement fee applies to CDs and is charged at maturity, subject to a signed agreement with Ampersand. See your agreement for fee details.
Keep your bank.
Add hundreds more — with one of everything.
Changing banks is a hassle, so don’t. Open one Ampersand account with simple paperwork and access the marketplace, while your operating accounts, loans and treasury services stay right where they are. We encourage clients to keep working with their community bank for everyday banking.
One login
Every balance, every institution, one secure portal.
One statement
A single monthly statement — reconciliation simplified.
One 1099-INT
One year-end tax form, however many banks hold your cash.
See where your cash sits —
and what it could earn.
Move the slider to your balance. Each dot is $250,000 — the standard FDIC/NCUA limit per depositor, per institution, per ownership category.
Enter a rate to compare. Actual rates vary by deposit size, term, market conditions and participating institutions, and are not guaranteed.
FDIC national savings rate: 0.39% as of 10/06/2025.
Calculator disclosures
Based on FDIC national deposit rates (Source: fdic.gov/national-rates-and-rate-caps) and an illustrative rate entered by the user. 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 administrator, 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 administrator, 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.
Each dot represents $250,000 for illustration only and is not indicative of actual allocations; funds are broken up into whatever increments are necessary to seek your rate and coverage objectives. The coverage visual assumes a single depositor in a single ownership category with no other deposits at participating institutions. Coverage above the standard limit depends on the number of participating institutions, account ownership, and satisfaction of regulatory requirements. The national average benchmark (0.39% as of 10/06/2025) is based on publicly available FDIC national average rates for similar deposit products; rates available through the Ampersand program are provided by participating financial institutions and may differ due to deposit size, product structure, term, and market conditions.
Parking large deposits
at one bank has a cost.
Most operating banks were never built to protect eight-figure balances. See what happens to the same cash at one bank versus across the Ampersand network.
All at one bank
Across the network
FDIC national savings rate was 0.39% as of 10/06/2025. ¹ Subject to applicable insurance limits, aggregation rules, number of participating institutions and program requirements; up to $100M, subject to program terms.
Comparison disclosures & FDIC insurance limits
About FDIC insurance limits. The FDIC insures deposits up to $250,000 per depositor, per insured bank, for each account ownership category (for example, single, joint, or business/corporate accounts). Deposits at credit unions are insured by the NCUA on the same basis. All deposits a business holds at the same bank in the same ownership category are added together and insured only up to that $250,000 limit.
Any amount above the limit is uninsured. If a bank fails, insured deposits are typically made available quickly, but uninsured balances are not paid out in full: the depositor generally receives a receivership certificate and may recover some, all, or none of the uninsured amount over time, depending on what the FDIC recovers from the failed bank’s assets. In the illustration above, everything beyond the first $250,000 held at a single bank is shown as exposed for this reason.
Placing deposits across multiple insured institutions, with each deposit kept within the limit, is how total coverage can extend beyond $250,000. Coverage depends on the number of participating institutions, account ownership, any other deposits you hold at the same institutions, and satisfaction of pass-through recordkeeping requirements. To estimate your coverage, use the FDIC’s Electronic Deposit Insurance Estimator at edie.fdic.gov, or learn more at fdic.gov/resources/deposit-insurance.
Comparisons 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. Coverage amounts above standard limits are achieved by allocating funds across multiple institutions and are not guaranteed.
Ampersand, Inc. is not a bank or depository institution. Ampersand acts as administrator 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.
‡ Ampersand program rates have averaged 5–9x the FDIC national average savings rate. Comparison is based on publicly available FDIC national average rates for similar deposit products (Source: fdic.gov/national-rates-and-rate-caps) versus rates provided by participating financial institutions in the Ampersand program, as of 10/15/2026. Averages are not a guarantee of any individual client’s rate; actual rates vary by deposit size, product structure, term, market conditions and participating institutions, and are subject to change. Past performance is not indicative of future results.
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.
Lock in a rate.
Any term you need.
Ampersand gives you access to certificates of deposit from insured banks and credit unions across the country — with some of the most competitive CD rates available nationwide.§ Choose any duration, from one month to five years.
§ CDs are issued by participating FDIC- or NCUA-insured institutions, not by Ampersand. “Most competitive” compares per-bank CD rates offered by participating institutions with publicly available national CD rate data, as of 09/19/2026; rates vary by term, deposit size, market conditions and institution availability and are not guaranteed. A placement fee applies to CDs and is charged at maturity, subject to a signed agreement with Ampersand. See your agreement for fee details. CDs are subject to the terms of the issuing institution, which may include early withdrawal penalties; funds in a CD may not be available until maturity. CD balances count toward the standard insurance limit together with any other deposits held in the same ownership capacity at the same institution. Term chart is illustrative only.
Cash management,
elevated.
With Ampersand powering your liquidity, you’re in control.
Independently audited.
Built to bank-grade standards.
Ampersand is SOC 2 Type II compliant. Our systems, processes, and internal practices have been independently evaluated against the AICPA Trust Services Criteria for Security, Availability, and Confidentiality.†
SOC 2 Type II certified
Your data is safeguarded by formally documented and audited security controls, evaluated over time — not just at a single point.
Pass-through recordkeeping
Accounts and records are structured to support pass-through deposit insurance in each client’s name at every participating institution.
Institution monitoring
Partner banks and credit unions are reviewed on an ongoing basis, and allocations are kept within standard insurance limits.
Strong governance
Access controls, data handling standards, risk management, and incident response protocols — reviewed and strengthened on an ongoing basis.
*Figures shown represent the aggregate value of client funds administered as of 10/15/2026 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 ↗.
† SOC 2 Type II refers to an independent examination of Ampersand, Inc.’s own controls under the AICPA Trust Services Criteria and does not apply to participating financial institutions. A SOC 2 report is not a guarantee against loss or a certification of any deposit product. Ampersand is currently SOC 2 Type II certified (audit period September 2026 – September 2027). Report available to clients and prospects under NDA upon request.
Every balance. Every bank.
One screen.
See total balances, liquid and CD positions, insured coverage by institution, and every transfer request — in one secure login, updated daily.
Portal image is illustrative and uses sample data. Features and availability may vary by account type and are subject to program terms. Access to funds may depend on program terms and bank processing times.
Your cash.
One marketplace.
Ampersand.
We work with a carefully vetted network of financial institutions across the United States. Partners span geographies, charters and balance-sheet profiles — so deposits can be placed around your 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 ↗. Logos are trademarks of their respective owners and are shown for identification only; their display does not imply endorsement of Ampersand. Participating institutions may change.
Trusted by finance teams
managing millions in cash.
From manufacturing to law firms and everything in between, Ampersand supports finance teams seeking competitive returns and broader deposit protection.
Operating companies
Manufacturers, distributors and services firms holding reserves and payroll cash.
Law firms & IOLTA
Trust and escrow balances that exceed standard limits.
Nonprofits & foundations
Endowment cash and grant reserves with board oversight.
Healthcare & practices
Operating cash for groups, systems and clinics.
Property & HOA
Reserve funds and tenant deposits across many accounts.
Fintechs & platforms
Customer balances requiring multi-bank distribution.
Investment & family offices
Cash allocations alongside broader portfolios.
Public entities
Schools, municipalities and counties are served by Ampersand Public Advisors, LLC, a wholly owned subsidiary of Ampersand, Inc. and a registered Municipal Advisor.
Ampersand transformed how we manage excess cash. Instead of juggling multiple bank relationships and worrying about exposure limits, we now have one platform that provides both competitive returns and comprehensive protection. The onboarding was smooth, reporting is clear, and we finally feel confident that our liquidity strategy is working for us rather than sitting idle.
Testimonials reflect the individual experiences and opinions of the persons quoted and may not be representative of the experience of other clients. They are not a guarantee of future performance, rates, or results. No compensation was provided for these testimonials.
Ready to see how
the marketplace works?
A short conversation about your balances, liquidity needs and current banking — no obligation, no sales script.