# Ampersand


## Posts

- [What Is Pass-Through FDIC Insurance and How Can Businesses Protect Deposits Over $250,000?](https://trustampersand.com/what-is-pass-through-fdic-insurance-and-how-can-businesses-protect-deposits-over-250000/): Many businesses hold cash balances above the standard FDIC insurance limit. Learn how pass-through deposit insurance works, why account titling and records matter, and how the right deposit management partner can help protect business cash.
- [A Q4 Checklist for Finance Leaders ](https://trustampersand.com/a-q4-checklist-for-finance-leaders/): The fourth quarter offers an opportunity to take a fresh look at your organization's financial position. From cash flow and liquidity to deposit protection and banking strategy, this checklist outlines key considerations to help finance leaders finish the year strong.
- [Nano Banc Failure: What the Sixth U.S. Bank Failure of 2026 Means for Depositors ](https://trustampersand.com/nano-banc-failure-what-the-sixth-u-s-bank-failure-of-2026-means-for-depositors/): Nano Banc’s closure is the sixth U.S. bank failure of 2026 and the largest so far this year. Here is what happened, the warning signs that came first, and what depositors with large cash balances should do now.
- [Ampersand Explains: Savings Accounts vs. Money Market Accounts](https://trustampersand.com/ampersand-explains-savings-accounts-vs-money-market-accounts/): Savings accounts and money market accounts can both help organizations earn interest on cash, but they are not always interchangeable. In this Ampersand Explains article, we break down the key differences and how finance teams can think about liquidity, yield, and protection when deciding where cash belongs.
- [What Should Organizations Do with Excess Cash?](https://trustampersand.com/what-should-organizations-do-with-excess-cash/): Organizations often focus on investing for growth, but what about excess cash sitting in bank accounts? Learn how finance leaders can balance liquidity, safety, and yield while avoiding the hidden costs of unproductive cash balances.
- [Can Community Banks Compete in a Digital Future?](https://trustampersand.com/can-community-banks-compete-in-a-digital-future/): Can community banks compete in a digital future? Yes, if they pair trusted local relationships with practical technology and depositors make intentional cash management decisions that support safety, liquidity, return, and community impact.
- [Q2 2026 Quarterly Banking Profile: What the Latest FDIC Data Means for Depositors](https://trustampersand.com/q2-2026-quarterly-banking-profile-what-the-latest-fdic-data-means-for-depositors/): The FDIC’s Q2 2026 Quarterly Banking Profile shows stronger bank earnings and continued deposit growth, but uninsured deposits drove the increase. Here’s what organizations should know about deposit protection, liquidity and bank health.
- [Tioga-Franklin’s Failure Is a Reminder: Deposit Safety Is a Practice, Not a Panic Button](https://trustampersand.com/tioga-franklins-failure-is-a-reminder-deposit-safety-is-a-practice-not-a-panic-button/): Tioga-Franklin Savings Bank’s closure marks the fifth U.S. bank failure of 2026 and reinforces an important lesson for depositors: deposit safety is a practice, not a panic button. Organizations with large cash balances should understand their exposure before stress arrives.
- [The Hidden Business Risk of Uninsured Deposits](https://trustampersand.com/the-hidden-business-risk-of-uninsured-deposits/): Uninsured deposits are often viewed as a safety issue, but they can also create serious business continuity risk. If access to operating cash is disrupted, organizations may struggle to make payroll, pay vendors, and keep the business moving.
- [The Speed of Money: What Faster Movement Means for Deposits and Community Banks](https://trustampersand.com/the-speed-of-money-what-faster-movement-means-for-deposits-and-community-banks/): Faster money movement is changing the way businesses think about cash and the way banks think about deposits. In this piece, we look at why tokenized deposits, stablecoins, and instant payments are part of a larger conversation about speed, efficiency, and the future of community banking.
- [Ampersand Explains: What is Treasury Management? A Practical Guide for Businesses](https://trustampersand.com/ampersand-explains-what-is-treasury-management-a-practical-guide-for-businesses/): Treasury management is often associated with large corporations, but every organization that manages cash can benefit from a treasury strategy. In this edition of Ampersand Explains, we break down what treasury management is, why it matters, and how businesses can use treasury tools to improve liquidity, security, and financial performance.
- [How Do You Know If Your Bank Is Healthy? 7 Questions Every Depositor Should Ask](https://trustampersand.com/how-do-you-know-if-your-bank-is-healthy-7-questions-every-depositor-should-ask/): A bank's health matters to every depositor, whether you're managing business operating cash, public funds, nonprofit assets, or personal savings. While no one metric tells the whole story, there are several indicators that can help you better understand the strength and stability of your financial institution. Here's what to look for and the questions every depositor should ask.
- [Stablecoins vs Bank Deposits](https://trustampersand.com/stablecoins-vs-bank-deposits/): As stablecoins gain momentum, the conversation often focuses on faster payments and digital innovation. But there is another question worth asking: what happens when deposits leave the banking system? In this article, we explore how stablecoins differ from traditional bank deposits and why community banks are paying close attention to the future of digital dollars.
- [Mid-Year Deposit Review: 5 Questions Every CFO Should Ask](https://trustampersand.com/mid-year-deposit-review-5-questions-every-cfo-should-ask/): Your deposit strategy should not run on autopilot. Mid-year is the perfect time for CFOs to review liquidity, uninsured deposit exposure, banking relationships, and operational risk before year-end pressures begin.
- [Why Bank Failures Still Impact the FDIC](https://trustampersand.com/why-bank-failures-still-impact-the-fdic/): A recent bank failure in Georgia is a real-world reminder that even when another institution steps in to acquire a failed bank, the FDIC Deposit Insurance Fund may still absorb substantial losses. Here’s what depositors should understand about how bank resolutions actually work, and why deposit structure matters.
- [FDIC Data Shows Uninsured Deposits Continue to Grow](https://trustampersand.com/fdic-data-shows-uninsured-deposits-continue-to-grow/): The FDIC's latest Quarterly Banking Profile offers a snapshot of the banking industry's health. One statistic stood out: uninsured domestic deposits increased by $233.5 billion during the first quarter. While the banking system remains stable overall, the trend highlights the continued importance of deposit diversification and strategic cash management.
- [Why Community Banks Matter More Than You Think](https://trustampersand.com/why-community-banks-matter-more-than-you-think/): Community banks do more than hold deposits. They fuel small businesses, strengthen local economies, and expand access to financial services. Here’s why their health matters more than ever.
- [A New Digital Experience, Built for Today’s Depositor](https://trustampersand.com/a-new-digital-experience-built-for-todays-depositor/): We’ve launched a new website designed to help depositors better manage their cash without sacrificing safety, liquidity, or control.
- [Three Years After SVB: The Risk That Didn’t Disappear](https://trustampersand.com/three-years-after-svb-the-risk-that-didnt-disappear/): Three years ago, the failure of Silicon Valley Bank exposed a risk long known to those in the banking industry – the risk posed to businesses by the loss of uninsured deposits. Today, much of that risk remains.
- [The Women of Ampersand: Leadership That Shapes an Industry](https://trustampersand.com/the-women-of-ampersand-leadership-that-shapes-an-industry/): At Ampersand, Women’s History Month isn’t just celebrated — it’s embodied. Meet the women whose leadership, expertise, and energy are shaping our company and influencing the broader financial services industry.
- [Ampersand Explains: The FDIC Q4 Quarterly Banking Profile](https://trustampersand.com/ampersand-explains-the-fdic-q4-quarterly-banking-profile/): As we approach the third anniversary of Silicon Valley Bank’s collapse in March 2026, the latest FDIC Quarterly Banking Profile sends an important message to CFOs, CEOs, and business owners: the banking system is generally healthy, but your company’s deposits may be more exposed than you think.
- [The Real Risk of Unsecured Deposits](https://trustampersand.com/the-real-risk-of-unsecured-deposits/): Balances above FDIC insurance limits carry different risk considerations, and unsecured exposure can quietly build over time. Understanding where your cash sits, how it’s protected, and what safeguards are in place is a critical part of responsible cash management.
- [The Ampersand 2025 CFO Cash Confidence Report](https://trustampersand.com/the-ampersand-2025-cfo-cash-confidence-report/): CFOs are paying attention to bank risk, but many are still exposed. The 2025 CFO Cash Confidence Survey uncovers critical gaps in FDIC knowledge, uninsured deposit exposure, and preparedness, alongside clear opportunities to strengthen cash confidence.
- [What Washington’s Signals Mean for Depositors](https://trustampersand.com/what-washingtons-signals-mean-for-depositors/): Washington is sending early signals on banking policy, and while the details are still evolving, the direction matters for business depositors. From proposed changes to community bank capital frameworks to renewed focus on regulatory tailoring, these developments could shape how banks manage liquidity, compete for deposits, and serve local businesses in the year ahead.
- [Why Business Cash Management Should Be a 2026 Priority](https://trustampersand.com/why-business-cash-management-should-be-a-2026-priority/): As the new year begins, many businesses revisit budgets and growth plans but overlook one of their most important assets. Cash isn’t passive, and managing business deposits with intention can unlock liquidity and yield in the year ahead.
- [Unlocking Value from Corporate Cash](https://trustampersand.com/unlocking-value-from-corporate-cash/): Cash often sits quietly on the balance sheet, but it has the potential to strengthen your financial position when managed proactively. Here’s why CFOs should treat liquidity as a strategic resource and how Ampersand helps unlock meaningful value.
- [Ampersand Explains: An End of Year Outlook for Depositors and Community Banks](https://trustampersand.com/ampersand-explains-an-end-of-year-outlook-for-depositors-and-community-banks/): As we wrap up 2025, depositors and community banks are facing shifting rates, evolving customer expectations, and a rapidly changing tech environment. Ampersand breaks down what to expect in the year ahead and outlines the proactive strategies businesses and banks can use to stay liquid, competitive, and resilient.
- [Stablecoin: A Primer for Depositors ](https://trustampersand.com/stablecoin-a-primer-for-depositors/): As stablecoins gain attention from policymakers and payment networks, many depositors are wondering what this new form of digital money could mean for them. This primer explains how stablecoins work, what risks and protections to consider, and why traditional deposits remain the most secure place for your funds.
- [Celebrating 2 Years: Ampersand’s Anniversary! ](https://trustampersand.com/celebrating-2-years-ampersands-anniversary/): Ampersand is celebrating our two-year anniversary this month. Read more about this year’s accomplishments in this blog.
- [Ampersand Explains: The Risks of Private Credit to Community Banks](https://trustampersand.com/ampersand-explains-the-risks-of-private-credit-to-community-banks/): As private funds take on lending once handled by banks, community banks are left with fewer opportunities to serve their customers. The result? Greater systemic risk and the potential for consolidation that harms local economies.
- [Banking and Cybersecurity: What You Need to Know](https://trustampersand.com/banking-and-cybersecurity-what-you-need-to-know/): Bank safety isn’t just about financial strength anymore—cybersecurity is now a critical factor. This National Cybersecurity Awareness Month, learn how to evaluate your banking partners and see how Ampersand can help you simplify deposit management.
- [Ampersand Explains: High-Profile Bank Failures](https://trustampersand.com/ampersand-explains-high-profile-bank-failures/): Think your money is safe in a “reputable” bank? Think again. Since 2001, 570 U.S. banks have failed, proving that even well-established institutions can collapse. In our latest blog, Ampersand, Inc. dives into the top reasons banks fail and examines five of history’s most notable failures, including Washington Mutual, Silicon Valley Bank, and Silvergate.
- [The Battle for Primacy that Community Banks Face Today](https://trustampersand.com/the-battle-for-primacy-that-community-banks-face-today/): The fintech explosion has made it easier than ever for consumers to open accounts and spread their deposits, making it difficult for institutions to determine whether they hold primacy with a given customer. While many depositors do not think about bank primacy, banks do, especially community banks.
- [The Basics of Bank Safety and Soundness](https://trustampersand.com/the-basics-of-bank-safety-and-soundness/): What really makes a bank safe? In a shifting economic climate, understanding the fundamentals of deposit insurance, bank risk, and regulatory oversight is more important than ever. Here’s what your business needs to know.
- [The Role of Community Banking in a Strong Local Economy](https://trustampersand.com/the-role-of-community-banking-in-a-strong-local-economy/): Discover how community banks help neighborhoods grow, what happens when they leave, and how businesses and nonprofits can help keep banking local.
- [What Could Stablecoin Mean for Community Banks?](https://trustampersand.com/what-could-stablecoin-mean-for-community-banks/): On June 17, 2025, the Senate passed the “Guiding and Establishing National Innovation for U.S. Stablecoins Act,” also known as the GENIUS Act. This bill would establish the first federal framework for regulating payment stablecoin, what does this mean for community banks?
- [Smart Cash Management for Individuals: What You Can Learn from First Responders](https://trustampersand.com/smart-cash-management-for-individuals-what-you-can-learn-from-first-responders/): Cash management isn’t just for institutions. Through our partnership with Anew Advisors, we’re helping first responders, and individuals like you, optimize returns while keeping cash protected and accessible.
- [Debanking and Values-Aligned Banking: What Corporate Treasurers Need to Know](https://trustampersand.com/debanking-and-values-aligned-banking-what-corporate-treasurers-need-to-know/): In today’s shifting regulatory environment, corporate financial leaders must regularly evaluate their banking relationships. This post explores debanking, the proposed FIRM Act, and how values alignment and diversified deposit strategies can protect your organization.
- [Capital One Acquires Discover: What It Means for Depositors and the Future of Banking](https://trustampersand.com/capital-one-acquires-discover-what-it-means-for-depositors-and-the-future-of-banking/): Capital One’s acquisition of Discover is making headlines, but there’s more at stake than credit cards. This banking megamerger could reshape deposit flows, intensify rate competition, and challenge community banks to adapt. Here’s what depositors and institutional treasurers need to know.
- [Changes to Capital Requirements: Strategic Considerations for Corporate Cash Management](https://trustampersand.com/changes-to-capital-requirements-strategic-considerations-for-corporate-cash-management/): With capital requirements for banks potentially changing, now’s the time to evaluate your deposit strategy. Learn why changes to bank regulation matter for corporate cash safety—and how to protect your organization.
- [Inside the 2025 IIUSA Industry Forum: Key Takeaways](https://trustampersand.com/inside-the-2025-iiusa-industry-forum-key-takeaways/): Ampersand sponsored the 2025 IIUSA Industry Forum in Houston to connect with EB-5 leaders and explore the financial challenges shaping the industry. Here’s a recap of some key takeaways.
- [Rising Tariffs, Rising Costs: How Smart Cash Management Can Help You Weather the Storm](https://trustampersand.com/rising-tariffs-rising-costs-how-smart-cash-management-can-help-you-weather-the-storm/): Tariffs may be out of your control—but your cash strategy isn’t. Discover how deposit management can help your business stay liquid, earn more interest, and weather economic uncertainty.
- [What Is a Bank Failure? Know the Signs and What to Watch For](https://trustampersand.com/what-is-a-bank-failure/): Uncover the causes and effects of bank failures and panics, shedding light on their impact on the economy and financial stability. Stay informed and prepared.
- [CDFI Funding Cuts: Why Supporting Community Development Financial Institutions Matters](https://trustampersand.com/cdfi-funding-cuts-why-supporting-community-development-financial-institutions-matters/): The recent executive order, “Continuing the Reduction of Federal Bureaucracy,” includes cuts to CDFI funding—prompting a closer look at their role in our economy. At Ampersand, we partner with community banks and Community Development Financial Institutions (CDFIs) to optimize cash deposits for impact.
- [EB-5 Program in Focus: A Safe, Job-Creating Investment Amid Gold Card Discussions](https://trustampersand.com/eb-5-program-in-focus-a-safe-job-creating-investment-amid-gold-card-discussions/): The Trump White House’s proposed "Gold Card" program has spotlighted the EB-5 Immigrant Investor Program. At Ampersand, we’re EB-5 funds administration experts, and we’re highlighting why this program is a safe, job-creating investment.
- [Ending The CFPB: 5 Consequences for Commercial Depositors](https://trustampersand.com/ending-the-cfpb-5-consequences-for-commercial-depositors/): What happens to commercial depositors if the CFPB closes? Learn about the top five risks and how businesses and municipalities can safeguard their cash.
- [Ampersand Exclusive: Corporate Finance Leaders Still Wary of Bank Failures, Survey Finds ](https://trustampersand.com/ampersand-exclusive-corporate-finance-leaders-still-wary-of-bank-failures-survey-finds/): The 2024 Depositor Priorities Survey is here! Discover the top concerns shaping depositor behavior, from bank safety to liquidity and values-aligned banking. Read the key takeaways and download the full report
- [When Loans Come with Strings Attached: Understanding Deposit Requirements ](https://trustampersand.com/when-loans-come-with-strings-attached-understanding-deposit-requirements/): When a bank requires you to keep deposits as a condition for a loan, your money might be more vulnerable than you think. Case in point: First National Bank of Lindsay, where depositors only recovered 50% of their uninsured funds after a failure. Learn how to navigate deposit requirements safely in our latest post.
- [Ampersand Explains: What is Arbitrage Rebate Compliance?](https://trustampersand.com/ampersand-explains-what-is-arbitrage-rebate-compliance/): Ampersand Explains what arbitrage rebate compliance is
- [Ampersand Opinion: What We’re Watching in 2025](https://trustampersand.com/ampersand-opinion-what-were-watching-in-2025/): What’s next in banking, fintech, and the regulatory environment in 2025? In this blog, Ampersand experts share what they’re keeping an eye on in the new year.
- [Ampersand Opinion: 2024 Year in Review](https://trustampersand.com/ampersand-opinion-2024-year-in-review/): In this blog, the Ampersand Editorial team provides their insights on the top five cash management stories of 2024, and what to expect in the deposit management and fintech space in 2025.
- [5 Tips for Impactful Bond Proceeds Management ](https://trustampersand.com/5-tips-for-impactful-bond-proceeds-management/): School districts across the U.S. went to referendum this November, with the goal of improving student outcomes, funding key projects, and compensating staff. Many of these have passed, specifically in our home state of Wisconsin. In this blog, Ampersand outlines what district finance managers and CFOs need to know to not only protect these funds, but decrease costs and management time associated with them.
- [Ampersand Celebrates One Year](https://trustampersand.com/ampersand-celebrates-one-year/): Ampersand Celebrates One Year
- [Happy Thanksgiving from Ampersand!](https://trustampersand.com/happy-thanksgiving-from-ampersand/): Ampersand's Favorite Thanksgiving Recipes
- [Managing Your Church's Finances Like a Fortune 500 CEO](https://trustampersand.com/managing-your-churchs-finances-like-a-fortune-500-ceo/): Just as CEOs have to provide value for shareholders, church leadership has to provide value to their congregations and the communities they serve. In this blog, Ampersand discusses deposit strategies, optimizing returns, values-aligned banking, and how these core principles can empower churches to positively impact more people
- [Ampersand Explains: Banking Challenges and Solutions in the EB-5 Industry](https://trustampersand.com/ampersand-explains-banking-challenges-and-solutions-in-the-eb-5-industry/): In this blog, Ampersand explains the challenges EB-5 regional centers might face as they manage funds for investors.
- [Managing School District Funds to Benefit The Community](https://trustampersand.com/managing-school-district-funds-to-benefit-the-community/): With more referendums than ever on ballots across America, Ampersand explains how these funds can be used to benefit students as well as the community.
- [Bank Failure Watch: The First National Bank of Lindsay](https://trustampersand.com/bank-failure-watch-the-first-national-bank-of-lindsay/): On Friday October 18th, 2024, The First National Bank of Lindsay in Lindsay, Oklahoma was closed by the Office of the Comptroller of the Currency (OCC.) This is the second bank failure of 2024.
- [Ampersand Explains: The Importance of Deposits](https://trustampersand.com/ampersand-explains-the-importance-of-deposits/): Did you ever wonder where banks get their money from to make loans or how banks make a profit? In this post, Ampersand explains how banks operate, and why deposits are vital.
- [Ampersand Explains: Values-Aligned Banking](https://trustampersand.com/ampersand-explains-values-aligned-banking/): In this post, Ampersand explains the concept of values-aligned banking: what it is, why it's growing in popularity, and why it needs to be a consideration for you when choosing a banking partner.
- [Ampersand Explains: Deposit Rates](https://trustampersand.com/ampersand-explains-deposit-rates/): In this post, we’ll break down how deposit account rates are calculated, how banks determine what rates to offer, and strategies to ensure you get the best rates on your deposits.
- [Cash Deposits & Local Governments: Is the LGIP the best choice?](https://trustampersand.com/the-top-5-reasons-why-the-lgip-might-not-be-best-deposit-option-for-your-district/): Is using the LGIP for your district’s cash management the best solution? Your community may be missing out on a higher return and personalized service.
- [Give Community Bankers a Break!](https://trustampersand.com/give-community-bankers-a-break/): On July 30, the FDIC Board of Directors proposed a rule change that could significantly alter how banks classify deposits associated with third-party service providers.
- [The Case Against Expanding the Definition of Brokered Deposits](https://trustampersand.com/the-case-against-expanding-the-definition-of-brokered-deposits/): The FDIC’s recent proposal to expand the definition of brokered deposits is a popular topic. In this post, we review the facts and explain why this expansion is unnecessary and could be harmful.
- [Financial Strategies For Accelerating Your Impact](https://trustampersand.com/financial-strategies-for-accelerating-your-impact/): Now more than ever, it’s vital for financial decision makers to understand what levers they can pull to make a positive community impact. Cash management can be an important part of this strategy
- [Ampersand Explains: Bank Failures](https://trustampersand.com/ampersand-explains-bank-failures/): In the wake of high profile bank failures in 2023 and 2024, Ampersand explores why banks fail, and what it means if your bank fails
- [Ampersand Explains: Deposit Insurance](https://trustampersand.com/ampersand-explains-fdic-insurance/): In this post we’ll cover what FDIC Insurance is and why it should be a consideration as part of any comprehensive deposit management strategy.
- [Accelerating the Philanthropic Impact of Foundations and Family Offices](https://trustampersand.com/accelerating-the-philanthropic-impact-of-foundations-and-family-offices/): A review of how family office wealth managers can accelerate positive community impact through deposit management.
- [Supporting Community Banking Through Deposit Management Strategies](https://trustampersand.com/supporting-community-banking-through-deposit-management-strategies/): It’s easy for corporations, nonprofits, and high net worth individuals to support community banking through comprehensive deposit management strategies.
- [How Luxury Brands Can Use Cash Management as a Tool for Social Good](https://trustampersand.com/how-luxury-brands-can-use-cash-management-as-a-tool-for-social-good/): In this article we’ll explore how luxury brands can leverage their cash deposits to support social good.
- [Understanding Concentration Risk](https://trustampersand.com/understanding-concentration-risk/): Concentration risk is a term you’ve probably heard before, but perhaps haven’t thought much about. In this post we discuss why depositors should understand what it is and offer tips for keeping your organization’s funds safer.
- [A Quick Guide To Treasury Management for CFOs](https://trustampersand.com/a-quick-guide-to-treasury-management-for-cfos/): In this quick guide to treasury management, we’ll explain what it is, how it can support organizational strength and growth, and why it may make a CFO’s job a bit easier.
- [Ampersand Explains: The Commercial Real Estate Landscape in 2024](https://trustampersand.com/ampersand-explains-the-commercial-real-estate-landscape-in-2024/): One of the hottest topics in banking today is the current landscape of the commercial real estate industry and its impact on not just the banking system, but the economy as a whole.
- [Ampersand Opinion: Should Deposit Insurance Coverage Limits Be Raised? ](https://trustampersand.com/ampersand-opinion-should-the-fdic-raise-coverage-limits/): As fears of additional bank failures continue among corporate financial decision-makers, policymakers and regulators have discussed revisiting FDIC coverage limits.
- [Maximizing Liquidity: How Cash Management Strategies Empower Businesses](https://trustampersand.com/maximizing-liquidity-how-cash-management-strategies-empower-businesses/): Maximizing liquidity helps businesses maintain stability, grow, manage debt, and contributes to their overall financial health. Adopting sound cash management strategies can help businesses prioritize liquidity and better position themselves for success.
- [How AI and Machine Learning are Transforming the Banking Industry](https://trustampersand.com/how-ai-and-machine-learning-are-transforming-the-banking-industry/): Artificial intelligence and machine learning are becoming more common across a variety of industries. Find out how financial institutions and organizations like Ampersand are leveraging AI to deliver personalized solutions while ensuring the safety and security of their clients' deposits.
- [Bank Failure Watch 2024: Republic First](https://trustampersand.com/bank-failure-watch-2024-republic-first/): On Friday, April 25th 2024, Fulton Bank N.A. assumed “substantially all” deposits of Republic First Bank, a Philadelphia based bank with approximately $4 Billion dollars in deposits and $6 Billion dollars in total assets.
- [What Makes a Bank “Safe?” ](https://trustampersand.com/what-makes-a-bank-safe/): “Bank safety” encapsulates a mix of safeguards, stress tests, and insurance mechanisms. In this post we take a closer look at what it means for banks to be deemed "safe," the guardrails that are in place such as bank stress tests, and the benefits and limitations of FDIC insurance.
- [Understanding the Difference Between ESG & Impact Investing](https://trustampersand.com/understanding-the-difference-between-esg-impact-investing/): Explore the differences between ESG and impact investing, and find out how your deposits can support your organization’s values.
- [The Benefits of Deposit Management Strategies for Non-Profits](https://trustampersand.com/the-benefits-of-deposit-management-strategies-for-non-profits/): A deposit management strategy can help ensure long-term sustainability and success for non-profit organizations long after their giving campaigns wrap up. Take a look at some of the benefits of deposit management strategies for nonprofits.
- [Helping Foster Families in Need: Silver Birch Ranch ](https://trustampersand.com/helping-foster-families-in-need-silver-birch-ranch/): A review of the client relationship between Silver Birch Ranch Ministries and Ampersand.
- [A History of The Deposit Insurance Fund](https://trustampersand.com/a-history-of-the-deposit-insurance-fund/): A deeper look at the history of the Deposit Insurance Fund including how the fund balance is raised through assessment fees, and how your deposits are protected.
- [Banking Opportunities for Churches](https://trustampersand.com/banking-opportunities-for-churches/): Choosing where and how to manage deposit funds is a crucial decision for leaders of faith-based organizations.
- [The Women of Ampersand Champion Progress at Every Level](https://trustampersand.com/the-women-of-ampersand-champion-progress-at-every-level/): On this International Women’s Day, Ampersand celebrates the women who are championing progress for our company, our industry, and beyond!
- [Why Businesses are Rethinking their Approach to Cash Deposits](https://trustampersand.com/why-businesses-are-rethinking-their-approach-to-cash-deposits/): Would you choose to sacrifice returns on your company’s cash deposits?
- [A Closer Look at Deposit Insurance](https://trustampersand.com/a-closer-look-at-the-fdic/): Learn why the FDIC was created, what it does for depositors, and more, from Ampersand’s treasury management experts.
- [How Bank Failures Reshape the Economy and Affect Consumers](https://trustampersand.com/how-bank-failures-reshape-the-economy-and-affect-consumers/): Bank failures unleash a ripple effect that travels far beyond the closed doors of the failed institutions.

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