Stable funding.
No core integration.
Partnering with Ampersand gives your institution efficient access to tailored funding solutions, designed to support your balance sheet while aligning with your strategic goals.
Access through one simple account
When you work with Ampersand, there’s no core integration and no complex technology stack required. Through a single MMDA or IBDDA account, our network provides access to funding from a diverse range of depositors, all of whom have undergone rigorous AML and BSA screening.
Your bank maintains full control, with the flexibility to set funding levels that align with your ALM strategy.
Stable and secure funding
Ampersand deposits are primarily non-transactional and sourced from a diverse range of sectors. We comply with OFAC, AML, and BSA requirements, and adhere to all standard Customer Identification Program (CIP) protocols, so banks can confidently rely on consistent, well-vetted funding.
Bankers who understand your balance sheet
With decades of banking experience, the Ampersand team understands the realities of balance sheet management and funding strategy. Financial institutions partner with Ampersand to access stable, well-managed deposits without costly customer acquisition.
We never ask depositors to move their operating relationships — we encourage them to keep everyday banking with their community bank.
One account.
A diverse range of depositors.
Set the funding level that fits your ALM strategy. We bring vetted, primarily non-transactional deposits — you keep full control.
Open one account
A single MMDA or IBDDA account with Ampersand as administrator. No core integration or new technology stack.
Set your funding level
Choose how much funding you want, and adjust as your ALM strategy and liquidity needs change.
Receive vetted deposits
Deposits from depositors screened under AML, BSA, OFAC and CIP protocols, placed within standard insurance limits.
Simple ongoing reporting
Ampersand handles depositor servicing, recordkeeping and pass-through documentation.
We’re here to help you meet your funding needs, simply and securely.
In the dynamic banking landscape today, community banks require a robust liquidity strategy. Partnering with experienced professionals is vital for banks to improve their balance sheet management flexibility. Ampersand boasts seasoned experts in this field, enabling the alignment of the bank’s mission with depositor values.
Become a partner institution.
Talk with our team about funding levels, account structure and onboarding.
*Client deposits administered as of 10/15/2026. **“Financial Institutions” collectively refers to banks, credit unions, and savings institutions. Ampersand, Inc. is not a bank or depository institution and acts as administrator for depositors. Funding levels, deposit volumes, and depositor mix are not guaranteed and depend on market conditions and program terms. Testimonial reflects the opinion of the individual quoted and may not be representative of other partners’ experience.