Healthcare & medical practices
Steady cash for an unsteady world.
How healthcare organizations and medical groups protect operating reserves and reimbursements above the FDIC limit while keeping liquidity for payroll and suppliers.
Why cash is often under-protected
- Large reimbursement inflows
- Payroll and supplier obligations need certainty
- Reserves concentrated at one bank
The FDIC insures up to $250,000 per depositor, per bank, per ownership category. Everything above that at one bank is uninsured.
One account. 300+ insured institutions.
- Liquid balances within insured limits
- CDs of any term for longer-dated reserves
- Withdrawals settle to your operating bank
- SOC 2 Type II examined controls
Ampersand, Inc. is not a bank. Ampersand acts as administrator in placing deposits at FDIC- or NCUA-insured institutions; deposit insurance is provided by those institutions, subject to standard limits, aggregation rules and pass-through requirements. Eligibility of specific fund types depends on applicable law, governing documents and program terms. ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; averages are not a guarantee of any client’s rate. Rates vary and are not guaranteed. Not legal, tax or fiduciary advice.