retaildepositratefee

Curinos Perspective: Does Free Banking Have A Future?

Much has been said and written recently regarding The Wall Street Journal’s article about Chase’s investment program in branches. We at Curinos wanted to offer our thoughts as well, with particular emphasis on the implications for regional and community banks across the country.

READ TIME: 4 MINS

July 10, 2024

Curinos Review // Insights

How To Manage Deposits If No Fed Rate Cuts Until Next Year

As recent as early 2024, the idea that rate cuts would be postponed until 2025 would have been a banking CFO’s worst nightmare.

READ TIME: 5 MINS

June 27, 2024

Curinos Review // Insights

How To Build Banking Relationships Through Personalization? Ditch The Retail Playbook

In the fast-paced world of digital marketing, personalization has emerged as a critical strategy for engaging customers and driving sales.

READ TIME: 6 MINS

June 27, 2024

Curinos Review // Insights

Curinos Review Summer 2024

With 2024 half over, planning for 2025 has begun. That’s why we’ve titled this issue of the Curinos Review How to Plan for Success in 2025 and have dedicated each article to ways to anticipate and plan for what’s to come next year.

READ TIME: 4 MINS

June 27, 2024

Curinos Perspectives // Insights

Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%. As previously communicated, the Fed has tapered quantitative tightening by $35B, lowering the redemption cap from $95 billion per month to $60 billion per month.

READ TIME: 9 MINS

June 13, 2024

According To The Data // Insights

Deposit Update: Nominal Growth In 2024 If Fed Can Cut

Earlier this year, Curinos estimated that retail deposits would be flat for branch banks in 2024, so many were no doubt encouraged to see 1Q deposit volumes up 1.5%.

READ TIME: 1 MIN

June 13, 2024

According To The Data // Insights

For CD Renewals, Job 1 Is “Don’t Overpay”

Of the $1.5 trillion in CDs at branch banks, 90% will mature in the next 12 months – 10% of them this month alone and that monthly percentages will climb even higher later this summer.

READ TIME: 2 MINS

May 28, 2024

According To The Data // Insights

Creating Better Friction For P2P Payments

Today’s consumers demand a fast and smooth digital experience – no surprise there. But as retail checking providers try to gain traction in the increasingly competitive P2P space, their customers say they’d welcome a little more friction in exchange for a lot more security.

READ TIME: 1 MIN

April 18, 2024

According To The Data // Insights

Falling CD Rates? Whew! Well, Maybe Not.

Even with higher rates, CD retention rates have been about 85%. That’s the good news.

READ TIME: 1 MIN

April 2, 2024

Curinos Review // Insights

Thinking Beyond Rate To Get And Keep Wealth Deposits

With the Federal Reserve unlikely to reduce short-term interest rates before summer, banks experiencing significant runoff of wealth deposits and cash sweeps have several options available beyond broad hikes in deposit rates to stop the bleeding and potentially regain share of wallet with their wealthiest clients.

READ TIME: 7 MINS

March 18, 2024

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