Every so often, a piece of legislation cuts through the noise because it’s practical, bipartisan, and deeply aligned with how community and regional banks actually operate. That’s what makes the […]
For banks operating under the Banking-as-a-Service (Baas) model, what started as a source of added fee income and access to lower-cost deposits has become a test of balance sheet resilience. […]
Commercial customers with larger balances often must choose between uninsured deposit exposure or account fragmentation, where their funds are split between different banks. A commercial customer with a $2 million […]
At R&T Deposit Solutions, we specialize in helping banks, trust companies, fintechs, wealth managers, broker-dealers and other financial institutions unlock the full potential of their deposit strategy. For more than […]
The House Financial Services Committee’s November 18, 2025, hearing on deposit insurance reform marked the next stage of congressional review of proposed changes to federal deposit insurance reform, following the […]
The Federal Reserve’s first rate cut of 2025 marked the beginning of a new phase in cash management. Customers spent 18 months chasing 5% yields in money market funds (MMFs) […]
This insightful InformationWeek article features comments from R&T’s Chief Information Officer, Mieko Shibata, as she shares her perspective on responsible innovation. Throughout the piece, Mieko highlights how R&T integrates governance, […]
Although depositors of Silicon Valley Bank and Signature Bank were ultimately protected, due to the extraordinary circumstances that prompted regulatory intervention, not all depositors received the same level of protection. […]
Uninsured deposits have moved from a back-burner compliance issue to a primary risk management concern. The 2023 banking crisis highlighted how quickly large commercial balances can disappear when confidence wavers, […]
