PROTECT
Access to Extended Deposit Protection
Comprehensive deposit insurance options, accessed through a national network of partner institutions.
Beyond standard coverage limits
Traditional banks and credit unions only protect up to $250,000 per account. For businesses with substantial cash holdings, this leaves significant exposure.
Ampersand’s network approach distributes your funds across multiple insured institutions, providing comprehensive coverage while maintaining easy access through one platform.
Our network provides robust deposit protection options, including FDIC and NCUA insurance, FHLB letters of credit, surety bonds, and pledged collateral. Our proprietary AmpIQ™ optimization technology ensures each deposit is structured with the appropriate protection solution.
How Ampersand Protects Your Deposits
Our intelligent deposit distribution technology automatically spreads your funds across multiple insured financial institutions.
Deposit Funds
Transfer your deposit through our secure Ampersand platform.
Auto Distribution
Your funds are automatically allocated and optimized in our network
Full Coverage*
Every dollar of your deposit is protected
*Subject to applicable insurance limits, aggregation rules, and program requirements
Enterprise-Grade Security
Your funds are protected by multiple layers of security and oversight.
Deposit Protection
All partner institutions are either FDIC or NCUA insured
256-bit Encryption
Bank-level encryption for all transactions
Real-time Monitoring
24/7 fraud detection and account monitoring
Regulatory Compliance
Full compliance with banking regulations
SOC 2 Type II Certified
Ampersand is SOC 2 Type II compliant, demonstrating our commitment to protecting your data through industry-leading security and operational controls. This certification confirms that our systems, processes, and internal practices have been independently evaluated against the AICPA Trust Services Criteria for Security, Availability, and Confidentiality.
What this means for you
- Your data is safeguarded by formally documented and audited security controls.
- Our infrastructure and processes are designed with security in mind from day one, following recognized best practices.
- We maintain strong governance, including access controls, data handling standards, risk management, and incident response protocols.
Why it matters
SOC 2 Type II compliance isn’t just a checkbox. It reflects our commitment to transparency, reliability, and earning your trust, especially when you’re managing sensitive financial information.
Security is ongoing
Our commitment doesn’t stop with certification. We continuously review and strengthen our security posture to meet evolving threats, customer expectations, and regulatory standards.
