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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.
u.s. treasury bills.

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

U.S. Treasury billsAmpersand
BackingU.S. government obligationFDIC/NCUA insurance within limits¹
Account neededBrokerage or TreasuryDirectOne Ampersand account
LiquiditySell before maturity at market priceLiquid balances; CDs to maturity
AdminRolling maturities to manageManaged for you, one statement
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.