Dustin Allen
Apr 1, 2020

Preparing for a recession usually includes steps that banks take to maximize interest spread and fee income, offload expensive deposits, and prepare for loan losses that are on the horizon—all while maintaining relationships and liquidity. To provide guidance for those who have responsibility for deposits and deposit pricing in the current environment, I’ve interviewed a number of […]

Talk about an under-appreciated tool.

Read More

Last January, we published in BAI Banking Strategies our estimates for deposit interest rates in 2014.

Read More

“Overdraft fees should not be ‘gotchas’ when people use their debit cards,” said Richard Cordray, director of the Consumer Financial Protection Bureau (CFPB), after the regulatory agency published its most recent report, “Data Point: Checking Account Overdraft.

Read More

Tracking trends in deposit pricing involves three fundamental principles, each of which provides an additional perspective for the analysis: Distinguishing between an event and a trend.

Read More

Once again, technology has raced culture to the finish line and won.

Read More

The question about rising deposit rates is not “if” but when and to what degree they will rise.

Read More

The banking industry has anxiously awaited a rising rate environment, anticipating that interest income from loans and investments will rise more quickly than interest expense on deposits and other funding.

Read More

The second quarter of 2013 (ending in June) marked the second consecutive quarter over a six-year period that deposit balances in FDIC-insured institutions declined in response to lower interest rates.

Read More

Revenues are growing significantly for consumer transaction account services, just not at financial institutions.

Read More

Twice in the past twenty years we experienced a cycle of decrease and increase in the Fed funds rate.

Read More