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RT Deposit Solutions Unveils New Report on Deposit Growth

In a revealing new report, RT Deposit Solutions, prominent in insured deposit and liquidity management solutions, exposes a pivotal evolution in the competition for deposits among banks and FinTech companies. The study indicates that alongside traditional factors like interest rates, trust, safety, and transparency have surged as fundamental drivers of growth in an increasingly price-sensitive environment.

The report, titled "Safety, Scale, and the Trust Dividend: How Deposit Insurance Innovation Powers the Partner Banking Economy," arises from a February 2026 survey that sampled perspectives from Banking-as-a-Service (BaaS) and FinTech executives. It underscores a striking trend: 75% of participants place great importance on access to expanded FDIC deposit insurance, a feature that is increasingly viewed not just as a regulatory necessity but as a critical component of customer acquisition and retention strategies.

Changing Dynamics in Deposit Acquisition

According to Susan Cosgrove, CEO of RT Deposit Solutions, this shift in how deposits are won is significant. "Rates still hold sway, but now trust is recognized as a leading growth driver," she states. Today's customers demand transparency regarding where their funds are deposited and how those deposits are safeguarded. Financial institutions that deliver this clarity are consequently gaining a notable edge in the marketplace.

The report elucidates that deposit protection has transitioned from being merely a compliance requirement into a competitive differentiator. For instance, it notes that 96% of BaaS executives have implemented a deposit insurance platform, while 86% concur that such platforms augment their competitive stance.

Financial Institutions Adapt to New Regulatory Landscapes

Interestingly, the report also highlights the growing frustration among executives regarding the pace at which regulatory norms are evolving compared to their organizational adaptability. Nearly half of the surveyed executives believe they struggle to keep up with regulatory demands. Furthermore, about 54% of FinTech professionals identify regulatory uncertainty as a crucial challenge moving forward. Yet, optimism remains high with 80% of executives confident in their existing deposit insurance models' capability to endure regulatory scrutiny.

As Kevin Bannerton, Chief Business Development Officer at RT Deposit Solutions, emphasizes, the current landscape is at a crucial juncture; the expectations of regulators and consumers are escalating, demanding more visible processes and robust proof of deposit protection. Financial institutions are responding by modernizing their operations and focusing on compliant, scalable models that can meet these evolving demands.

Understanding Shifting Customer Preferences

Changing customer behavior is another significant finding of the report. The landscape is moving toward greater sensitivity regarding where funds are held, with 73% of executives anticipating increased customer scrutiny in this regard. All survey participants acknowledged that verifiable access to FDIC deposit insurance is essential for building customer trust.

As transparency becomes the norm, institutions that effectively showcase how they protect deposits will be well-positioned to both retain existing customers and attract new ones. Executives have begun to enhance their processes to cater to this heightened awareness, ensuring stronger oversight, better monitoring of market fluctuations, and clearer communication about deposit safety.

Methodology Behind the Report

RT Deposit Solutions conducted their survey in February 2026, gathering insights from 200 U.S.-based BaaS and FinTech executives, all of whom are senior-level professionals with extensive experience in their respective roles.

About RT Deposit Solutions

With a storied history spanning 50 years, RT Deposit Solutions ranks as the second leading reciprocal deposit platform, providing tailored deposit management services to financial institutions. Their innovative approach assists banks, credit unions, and wealth managers in optimizing their cash sweep and deposit funding strategies, thus significantly contributing to the evolving partner banking ecosystem.

For further insights and information, please visit RT Deposit Solutions.