Trustampersand

11/03/2026

Three years ago, Ampersand was founded with a simple goal: helping organizations manage liquidity, maximize protection, and optimize returns with confidence.

Today, we're proud to serve clients across the country while continuing to build innovative solutions for deposit management.

Thank you to our clients, banking partners, and team members who have been part of this journey. We look forward to what comes next.

Here's to three years of growth, partnership, and trust!


Ampersand is not a bank. Deposits are placed at participating institutions and are subject to applicable limits, aggregation rules, and program requirements.

10/30/2026

Don't let uninsured deposits haunt your balance sheet.

Tomorrow is the one day a year surprises are supposed to be fun. Your cash strategy shouldn't be one of them.

Happy Halloween from all of us at Ampersand!
Ampersand is not a bank. Deposits are placed at FDIC- or NCUA-insured institutions and are subject to applicable limits and requirements.

10/28/2026

Is your bank meeting your needs? Here are five questions to ask when reviewing your banking relationships.

1. Do we know our current deposit rate?
2. Have we been made aware of deposit insurance options?
3. Are we happy with the customer service?
4. Does this partner understand our business?
5. Would this relationship actually help us in a difficult quarter?

Rates and fees are the easy comparison. These five tell you whether the relationship is working.

Read the full blog:

Learn how corporate depositors can evaluate their banking relationship across deposit rates, FDIC insurance, customer service, liquidity needs, and cash management strategy.

10/26/2026

Most finance teams think they have to choose between protection and return. You don't.

Ampersand spreads your cash across a network of FDIC- and NCUA-insured institutions, with up to $100 million in pass-through protection and competitive rates. All in one login, one statement, and one 1099.

Start the new year with your cash protected and performing.

Book a complimentary cash review: https://hubs.la/Q04Ch5Sr0


Up to $100M pass-through protection by allocating across multiple FDIC/NCUA-insured institutions; subject to limits, aggregation rules and program requirements. Ampersand, Inc. is not a bank. Deposits are placed, as agent, at FDIC- or NCUA-insured institutions. Coverage is subject to standard limits, aggregation rules and program requirements. Rates are not guaranteed.

10/26/2026

Your year-end cash checklist. Four questions:

1. How much of your cash is above the $250,000 standard limit?
2. How many banks is it really in?
3. What is it actually earning?
4. Can you see all of it in one place?

If any answer made you pause, it may be worth a second look before the books close.

Schedule a complimentary cash review: https://hubs.la/Q04Ch1460


Standard FDIC coverage: $250,000 per depositor, per insured bank, per ownership category. Ampersand, Inc. is not a bank. Deposits are placed, as agent, at FDIC- or NCUA-insured institutions. Coverage is subject to standard limits, aggregation rules and program requirements. Rates are not guaranteed.

10/23/2026

AI is rewriting banking. Money now moves at the speed of a tap. News moves at the speed of a feed.

In March 2023, depositors tried to pull $42 billion from a single bank in one day. The next bank run will not wait for business hours.

If your cash is concentrated and unprotected, the risk may be moving faster than you are. Spread it out. Protect it.

Book a complimentary cash review: https://hubs.la/Q04C7Ltz0


March 9, 2023: customers sought to withdraw ~$42B from Silicon Valley Bank in a single day (FDIC / Federal Reserve). Ampersand, Inc. is not a bank. Deposits are placed, as agent, at FDIC- or NCUA-insured institutions. Coverage is subject to standard limits, aggregation rules and program requirements. Rates are not guaranteed.

10/23/2026

As organizations plan for the year ahead, it's important to evaluate more than budgets and forecasts.

A strong banking relationship can provide valuable insight, support liquidity needs, and help organizations navigate changing financial conditions with confidence.

The right banking partner doesn't just hold your deposits. They help support your financial goals.

10/23/2026

Here is a bet we are willing to make: the return on your idle cash is lower than it should be.

The FDIC national average savings rate was 0.39% (as of Oct. 6, 2025). On $5 million, that is roughly $19,500 a year.

Through a multi-bank network, rates can reach up to seven times the national average, with protection well beyond $250,000.

Your cash should be working.

Book a complimentary cash review: https://hubs.la/Q04C7vPl0


FDIC national savings rate: 0.39% as of Oct. 6, 2025. $5M × 0.39% ≈ $19,500/yr. Rates up to 7x the national average, per Ampersand comparison of 12/22/2025. Rates vary and are not guaranteed. Ampersand, Inc. is not a bank. Deposits are placed, as agent, at FDIC- or NCUA-insured institutions. Coverage is subject to standard limits, aggregation rules and program requirements. Rates are not guaranteed.

10/22/2026

Year-end is when finance teams take a hard look at cash. Here’s a question worth asking before the books close: How much of your cash is sitting in one bank?

Standard FDIC coverage is $250,000 per depositor, per insured bank, per ownership category. If an organization holds $5 million at a single institution, $4.75 million sits above the standard limit.

One bank. One basket.

There are ways to spread that exposure without adding twenty new banking relationships.

Book a complimentary cash review: https://hubs.la/Q04C32kf0
Standard FDIC coverage: $250,000 per depositor, per insured bank, per ownership category. Illustrative example. Ampersand, Inc. is not a bank. Deposits are placed, as agent, at FDIC- or NCUA-insured institutions. Coverage is subject to standard limits, aggregation rules and program requirements. Rates are not guaranteed.

10/21/2026

A company opens an operating account. Revenue grows. Headcount grows. The balance grows right along with them.

Three years later, nobody has revisited the account structure, the rate, or how much of that balance now sits above insurance limits. Nothing ever went wrong, so nothing ever prompted the review.

That's the tricky thing about cash strategy. It doesn't fail loudly. It just gradually stops fitting the organization you've become.

Q4 is a reasonable time to look.