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. Sponsor-bank partnerships have evolved to […]
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 deposit from an asset sale […]
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 50 years, we have partnered […]
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 Senate Banking Committee’s hearings in […]
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) only to find that advantage […]
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, oversight, and technical safeguards into […]
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. The decision to insure some […]
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, prompting increased regulatory scrutiny and […]
As banks continue to evolve their funding strategies, a notable shift is reshaping how financial institutions approach them. Reciprocal deposits, once a niche tool, have surged to the forefront of core deposit management, particularly for […]
