Commercial deposits have provided an important source of stable and low-cost funding in a turbulent banking era. Assured by enhanced FDIC guarantees, American businesses have been content to maintain sizable deposit balances within the banking system, especially at a time when rates are low and there's less motivation to shop elsewhere.

According to the Federal Reserve, U.S. nonfinancial businesses held about $1.5 trillion in bank-related products at midyear, an increase of $44 billion since the end of 2007.

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