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Ampersand, Inc. is not a bank. Deposits are placed, as administrator, at FDIC- and NCUA-insured institutions.Serving public entities? Ampersand Public Advisors ↗
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Ampersand vs.
opening accounts at many banks yourself.

A fair, side-by-side look at how insured deposit placement through Ampersand compares — so you can choose what fits your cash.

Opening accounts at many banks yourselfAmpersand
InsurancePossible, if you manage limits yourselfPlaced and monitored within limits¹
Account openingsOne per bank, with separate KYCOne account
RatesNegotiated bank by bankMarketplace of 300+ institutions
ReportingMany statements and 1099sOne statement, one 1099-INT
Keep your bank. Add hundreds more.See how one Ampersand account works alongside your operating bank.

Comparisons are general and illustrative, based on typical characteristics of each option; terms vary by provider and product. Money market funds and Treasury securities are investments, not deposits, and Ampersand does not offer them. ¹ Deposit insurance is provided by FDIC- or NCUA-insured institutions, subject to standard limits, aggregation rules, number of participating institutions and pass-through requirements. ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; not a guarantee of any client’s rate. Ampersand, Inc. is not a bank. Not investment advice.