Deposits

The answer depends who you ask, but an analysis of deposit and loan trends offers some insight.

Aspiration, Wealthfront and SoFi have all begun offering high-yield savings accounts during the past few weeks.

Readers weigh legislative proposals on pot banking, consider JPMorgan's new digital coin, debate the Federal Deposit Insurance Corp.'s brokered deposit rules and more.

The agency’s effort is a good first step to updating brokered deposit rules, but regulators excluded several important considerations in their advance notice of proposed rulemaking.

Year to date Sep. 30, 2018. Dollars in thousands.

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"You can't meet customers at the headquarters," CEO Kevin Cummings tells his senior executives.

Since the collapse of IndyMac in 2008, the agency has frequently helped to shield depositors over the $250,000 insurance limit from losses. But it’s a policy that was never formalized, and it remains to be seen whether the agency’s new head, Jelena McWilliams, will follow it.

Banks and credit unions are experimenting with ways to maximize margins in an environment where the yield curve is flat, depositors want them to pay up and they fear the Fed could actually cut rates.

Why now? Will it work? How will their rivals respond? The megadeal between the two East Coast regionals offers up plenty of grist for speculation.