A Relationship with a Small Business
Calls for Commitment
Growing small business relationships is a central strategic pillar for most banks.
READ TIME: 5 MINS
October 21, 2025
Categories
WealthAnalyzer
Looking to Retain More Wealth Deposits? Focus on Checking
As rates climbed and remained high throughout most of last year, many banks were able to increase deposits penetration with their wealth clients by offering attractively priced CDs and exception pricing on savings/MMS.
READ TIME: 1 MIN
August 28, 2025
Caution: Wealth CD Maturities Ahead
CD adoption on the part of wealth clients has always been significantly lower than that of their retail counterparts, and they’ve been less likely to sign on for terms over one year.
READ TIME: 1 MIN
July 17, 2025
Curinos Review Summer 2025
We’re entering the strategic planning season for 2026 amid elevated uncertainty, and as tempting as it may be, among the least useful approaches to planning is to be too reticent. At Curinos, we think this is a time to plan for and take decisive action, which is why we’ve titled our Summer issue of Curinos Review Heightened Uncertainty Calls for Transformational Thinking.
READ TIME: 4 MINS
July 1, 2025
A Better Return on Cash Sweeps?
Think of Them as Deposits
The average yield on cash sweeps has climbed from 2 bp to 80 bp since the end of 2021, yet balances have fallen consistently quarter over quarter during the same period and 20% overall.
READ TIME: 1 MIN
June 12, 2025
Wealth Deposits: Published Rates Remain Disconnected from Reality
Pricing Wealth deposits can be tricky. You want to acknowledge and reward clients who have large relationships across deposits, lending and investments—especially those who include business with personal—but at what cost?
READ TIME: 1 MIN
May 15, 2025
Three Demographic Shifts That Will Change Banking, and Society
Curinos was pleased to welcome marketing executives from more than 35 financial institutions to its CMO Summit for 2025 in Chicago, April 29 and 30. Among other notable guest speakers was Rustom Dastoor, Head of Marketing & Communications for the Americas at Mastercard, with whom Curinos is partnering in an initiative to help banks and credits unions better raise and manage deposits.
READ TIME: 2 MINS
May 5, 2025
Among Wealth Clients, CDs Have Their Limits
At their peak last summer, retail CDs accounted for nearly 30% of all wealth-deposits acquisition balances, thanks to offers on yields from many banks of over 500 bp.
READ TIME: 1 MIN
April 22, 2025
Brokerage Cash Sweeps:
No Longer Just the Leftovers
The traditional rule-of-thumb has been that wealth clients hold 5-7% of their assets under management (AUM) in their cash sweeps account. This is the leftover uninvested cash that’s swept to a FDIC-insured bank deposits account overnight—generally enough to cover fees and trades.
READ TIME: 1 MIN
April 1, 2025