Knowledge Bank...

A library of our articles on various finance topics sprinkled with possibly unrelated (but interesting) things.

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Resource Guide for Property Managers

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Resource Guide for Property Managers

Even experienced property managers can gain a competitive edge with these resources and the latest technology.

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5 Ways Nonprofits Can Combat Declining Donations

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5 Ways Nonprofits Can Combat Declining Donations

Nonprofit organizations can use these five strategies to continue funding their mission even when donations are declining.

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FOMC Holds Interest Rates Steady at January Meeting

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FOMC Holds Interest Rates Steady at January Meeting

FOMC members voted to hold the Fed Funds Rate steady in January and provided new insight into the timing of rate adjustments.

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Why Banks Pay Different Rates on Similar Accounts

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Why Banks Pay Different Rates on Similar Accounts

Deposit rates at banks can vary widely across the U.S. Businesses that understand why can achieve above average returns on cash.

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Business Escrow in 2024

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Business Escrow in 2024

Business escrow is not a new concept, but modern fintech has disrupted the industry and enhanced traditional escrow methods.

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When Will Interest Rates Go Down? A Historical Look at Fed Policy

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When Will Interest Rates Go Down? A Historical Look at Fed Policy

Studying the Fed’s actions during past interest rate tightening cycles can help predict when interest rates will fall this time.

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FDIC Insurance Limits in 2024

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FDIC Insurance Limits in 2024

Businesses with more than $250k in a single bank are taking unnecessary risk, but there is an easy way to protect all deposits.

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The Evolution of Fintech

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The Evolution of Fintech

Fintech is short for financial technology. This industry has a longer – and more interesting – history than many people know.

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Deposit Rates Could Continue to Rise in 2024

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Deposit Rates Could Continue to Rise in 2024

Deposit yields have risen rapidly over the past two years and businesses could continue to see additional income in 2024.

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FOMC Meeting and Projections Summary for December 2023

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FOMC Meeting and Projections Summary for December 2023

FOMC members voted on the future of monetary policy at the December meeting and released updated forecasts for the economy.

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An Update on the Banking Industry

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An Update on the Banking Industry

Bank failures in 2023 reignited the conversation about bank safety and left many companies wondering when the danger would pass.

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Year End Economic Review for Business Leaders

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Year End Economic Review for Business Leaders

To remain successful, business leaders must tailor their strategy to account for developments in the economy and interest rates.

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Advantages of Business Escrow Services

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Advantages of Business Escrow Services

Escrow services allow for an unbiased third party to protect businesses conducting large, lengthy, or complex transactions.

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ADM Simplifies Tax Revenue Management

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ADM Simplifies Tax Revenue Management

Municipalities no longer have to choose between earning a competitive return and maintaining easy access to tax revenue.

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How ADM Helps Equipment Dealers

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How ADM Helps Equipment Dealers

The American Deposit Management Co. helps equipment dealers manage their cash and secure protection during risky transactions.

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November FOMC Meeting Summary

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November FOMC Meeting Summary

The FOMC met on October 31st and November 1st to discuss the state of the economy and determine the future of monetary policy.

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Optimizing Business Cash Returns

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Optimizing Business Cash Returns

Business cash yields vary based on many factors. Certain dynamics also make it possible for firms to earn above-average returns.

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FDIC Launches Campaign to Educate Consumers and Businesses

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FDIC Launches Campaign to Educate Consumers and Businesses

The FDIC launched a campaign called ‘Know Your Risk. Protect Your Money.’ to increase public awareness of deposit insurance.

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5 Property Management Challenges and How to Overcome Them

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5 Property Management Challenges and How to Overcome Them

These solutions to common property management challenges can help your firm improve customer service and drive profitability.

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Are Credit Unions as Safe as Banks for Business Cash?

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Are Credit Unions as Safe as Banks for Business Cash?

Deposits at both credit unions and banks are insured by government agencies – the FDIC for banks and the NCUA for credit unions.

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Smart Business Cash Strategies for Year End

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Smart Business Cash Strategies for Year End

The end of the year is a good time to review your company’s cash management plan and implement strategies to improve it.

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FOMC Holds Interest Rates Steady at September Meeting

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FOMC Holds Interest Rates Steady at September Meeting

The FOMC met this week to discuss the future of interest rates. Committee members also released updated economic projections.

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Quantitative Tightening: What it Means for Business

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Quantitative Tightening: What it Means for Business

As the Fed continues to implement a quantitative tightening program, businesses should understand the possible implications.

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What Does “Fiduciary Duty” Mean to Labor Unions?

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What Does “Fiduciary Duty” Mean to Labor Unions?

Union officers have a fiduciary duty to protect the organization’s assets and make financial decisions that benefit members.

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How Does FDIC Insurance Work for Business?

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How Does FDIC Insurance Work for Business?

FDIC insurance provides a level of protection for business cash, but how does it work and what are the limitations?

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What Do Lower Bank Deposit Levels Mean for Businesses?

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What Do Lower Bank Deposit Levels Mean for Businesses?

Bank deposit levels have fallen for 4 straight quarters which could signal increased bank needs and higher returns for businesses.

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7 Common Cash Flow Management Mistakes – And How to Avoid Them

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7 Common Cash Flow Management Mistakes – And How to Avoid Them

Effective cash flow management is critical to business success, so be sure your organization avoids these 7 common mistakes.

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How Does the Fed Funds Rate Impact CD Yields?

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How Does the Fed Funds Rate Impact CD Yields?

The Fed funds rate impacts most of the country’s interest rates including loans, bonds, and, indirectly, bank CD yields.

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Comparing the Liquidity of Common FDIC Insured Investments

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Comparing the Liquidity of Common FDIC Insured Investments

For a successful cash management plan, businesses need safety in the form of FDIC insurance and liquidity to match their needs.

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FOMC Raised the Fed Funds Rate to the Highest Level Since 2001

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FOMC Raised the Fed Funds Rate to the Highest Level Since 2001

At the July meeting, FOMC members voted to raise the Fed funds rate once again – bringing it to the highest level since 2001.

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Is Your Clients’ Cash Safe?

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Is Your Clients’ Cash Safe?

With high-net-worth clients holding more cash, RIAs are leveraging ADM’s fintech to achieve simplicity, safety, and returns.

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The Importance of Business Cash Flow Management

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The Importance of Business Cash Flow Management

Effective cash flow management helps businesses survive during economic turmoil and thrive during periods of prosperity.

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Comparing Money Market Accounts and Money Market Mutual Funds

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Comparing Money Market Accounts and Money Market Mutual Funds

Money Market Accounts and Money Market Mutual Funds help businesses earn a return on reserve cash without sacrificing liquidity.

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History and Timeline of Changes to FDIC Coverage Limits

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History and Timeline of Changes to FDIC Coverage Limits

The FDIC was established in 1933 following the Great Depression. Since then, FDIC coverage limits have been adjusted several times.

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The FOMC Holds the Fed Funds Rate Steady at June’s Meeting

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The FOMC Holds the Fed Funds Rate Steady at June’s Meeting

The FOMC chose not to raise the Fed funds rate at June’s meeting, but updated projections signal additional policy firming ahead.

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Are Money Market Accounts FDIC Insured?

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Are Money Market Accounts FDIC Insured?

Money market accounts can help businesses earn higher returns than checking accounts without sacrificing FDIC insurance.

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Protecting Business Deposits from Bank Failure

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Protecting Business Deposits from Bank Failure

Periodic turmoil in the banking sector highlights the need for businesses to protect their deposits from bank failure.

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Could Certificates of Deposit be an Asset to Your Company?

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Could Certificates of Deposit be an Asset to Your Company?

Certificates of deposit allow businesses to earn higher rates of return for their cash in exchange for structured liquidity.

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Business Escrow for Mergers and Acquisitions

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Business Escrow for Mergers and Acquisitions

In a merger or acquisition, business escrow services help protect both parties, ensure contract terms are met, and reduce risk.

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FOMC Raises Rates at May Meeting

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FOMC Raises Rates at May Meeting

At the meeting held May 2nd and 3rd, FOMC members voted to raise the Fed funds rate for the 10th time since the pandemic.

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A Brief History of U.S. Bank Failures

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A Brief History of U.S. Bank Failures

Bank failures are not uncommon during times of economic stress, but government action has significantly reduced associated risk.

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The Importance of Liquidity Management

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The Importance of Liquidity Management

Liquidity management ensures a company has cash available to meet short-term obligations while optimizing long-term returns.

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Interest Rate Expectations

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Interest Rate Expectations

Both FOMC members and market pundits indicate that the Fed may be nearing the end of the current tightening cycle.

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How Businesses Can Benefit from Reinvesting Existing CDs

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How Businesses Can Benefit from Reinvesting Existing CDs

In today’s economic environment, many businesses can benefit by reinvesting funds from existing CDs into those with higher rates.

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Interest Rate Hikes Continue Amid Banking Turmoil

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Interest Rate Hikes Continue Amid Banking Turmoil

FOMC members voted to increase the Fed Funds Rate target once again, as turmoil in the banking sector continues.

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What Happens to Business Deposits When a Bank Fails?

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What Happens to Business Deposits When a Bank Fails?

When a bank fails, the FDIC steps in to make depositors whole. But businesses with more than the FDIC limit could be at risk.

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The History and Evolution of Banking

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The History and Evolution of Banking

Banks have been mainstays of successful economies for thousands of years, but modern innovations have expanded their role.

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AI’s Expanded Role in the Economy

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AI’s Expanded Role in the Economy

AI can improve company profitability by reducing the effort and expense required to create, market, and distribute products.

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6 Ways Fintech Helps Businesses Succeed

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6 Ways Fintech Helps Businesses Succeed

Learn six common ways advanced financial technology – a.k.a fintech – helps firms improve profitability and customer satisfaction.

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A Brief History of Digital Banking

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A Brief History of Digital Banking

As the adoption of digital banking continues to rise, now is a good time to revisit the history and evolution of this technology.

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FOMC Slows Rate Hikes at February Meeting

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FOMC Slows Rate Hikes at February Meeting

The FOMC held its first meeting of 2023 on January 31 and February 1. At the meeting, committee members slowed rate increases.

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What is Marketplace Banking™ and How Could It Help Businesses?

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What is Marketplace Banking™ and How Could It Help Businesses?

Marketplace Banking™ by ADM helps businesses access extended deposit protection, liquidity, and nationally competitive returns.

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Labor Unions Thrive When They Partner With ADM

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Labor Unions Thrive When They Partner With ADM

Through a partnership with the American Deposit Management Co., labor unions can streamline their cash management strategy.

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A Brief History of Money Market Investments

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A Brief History of Money Market Investments

Money market investments have solved problems facing investors for more than fifty years. Now, a new type of money market exists.

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Economic Challenges for Business Could Persist into 2023

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Economic Challenges for Business Could Persist into 2023

The economy and business outlook changed dramatically in 2022. This year, many of those challenges are expected to continue.

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3 Important Reasons to Diversify Your Company’s Deposits

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3 Important Reasons to Diversify Your Company’s Deposits

Companies and municipalities need to diversify their deposits to protect their funds, build relationships, and prevent fraud

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December 2022 FOMC Meeting Summary

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December 2022 FOMC Meeting Summary

At this week’s meeting, the FOMC once again raised interest rates and updated their projections for the future of the economy. This continues the committee’s aggressive work toward combatting inflation by raising rates and unwinding the quantitative easing program implemented during the COVID-19 pandemic. The FOMC Raised Rates at December’s Meeting The FOMC raised the… Read more »

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American Deposit Management Joins Bankers Helping Bankers (BHB) BaaS Association

ADM News

American Deposit Management Joins Bankers Helping Bankers (BHB) BaaS Association

PRESS RELEASE December 1, 2022 Pewaukee, Wisconsin – The American Deposit Management Co. [ADM], a nationally recognized, award-winning, treasury management and financial services company, announced today that it has joined the newly launched Bankers Helping Bankers (BHB) Banking as a Service (BaaS) Association, aimed at serving the unique needs of BaaS banks. The BHB BaaS… Read more »

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Financial Institutions Need Deposits, Fintech Can Help

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Financial Institutions Need Deposits, Fintech Can Help

Corporate deposits are declining, but banks and credit unions can supplement their liquidity by partnering with a fintech provider.

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Escrow Accounts for Business Transactions

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Escrow Accounts for Business Transactions

Escrow services for business are often critical for large or complicated transactions, and not all are created equal.

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The Bond Referendum Passed, Now What?

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The Bond Referendum Passed, Now What?

After a bond referendum, leaders must ensure that those funds are secure, managed efficiently, and earning a competitive return.

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FOMC Meeting Summary – November 2022

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FOMC Meeting Summary – November 2022

At November’s meeting, the FOMC met to discuss interest rates as rising prices continue to plague consumers.

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Municipalities Should Review Their Cash Management Strategy

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Municipalities Should Review Their Cash Management Strategy

Municipalities should review their cash management strategy to ensure they achieve safety, liquidity, and competitive returns.

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How the Inflation Reduction Act Could Impact Businesses

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How the Inflation Reduction Act Could Impact Businesses

The Inflation Reduction Act could raise taxes for large corporations, but manufacturers and small firms could see some benefits.

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What is Banking as a Service [BaaS]?

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What is Banking as a Service [BaaS]?

Banking as a Service – BaaS – can help businesses gain new customers, improve profitability, and enhance marketing efforts.

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How Businesses Plan to Adapt to Inflation

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How Businesses Plan to Adapt to Inflation

A recent survey analyzes how companies are adapting to inflation currently and how their plans could change if inflation persists.

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September FOMC Meeting Recap

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September FOMC Meeting Recap

The September FOMC meeting resulted in another significant rate increase, and the board released updated economic projections.

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The Relationship Between Mortgage Rates and the Fed Funds Rate

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The Relationship Between Mortgage Rates and the Fed Funds Rate

The Fed’s actions help shape the credit markets, including influencing the rates that real estate investors pay for mortgages.

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Cryptocurrency and the Modern-Day Bank Run

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Cryptocurrency and the Modern-Day Bank Run

In 2022, cryptocurrency exchanges experienced turmoil reminiscent of early American bank runs that led many to lose their savings.

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What is a Yield Curve Inversion and Why Does it Matter?

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What is a Yield Curve Inversion and Why Does it Matter?

Historically, an inverted yield curve has proven to be a fairly accurate indicator that the economy is headed for recession.

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FDIC Insurance for Business Accounts

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FDIC Insurance for Business Accounts

FDIC insurance covers deposits for individuals up to $250k per depositor, per bank. But how does it protect business accounts?

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Escrow for the Purchase or Sale of a Business

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Escrow for the Purchase or Sale of a Business

Escrow services can reduce risk for both parties during the sale of a business, but escrow agents are not all created equal.

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Challenges to Globalization and the Rise of Deglobalization

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Challenges to Globalization and the Rise of Deglobalization

In recent years, weaknesses in the global economy and supply chains have been revealed, leading to call for deglobalization.

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A Brief History of Globalization

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A Brief History of Globalization

Global trade is a staple of the modern economy, but the history of globalization is much older and more complex than many realize.

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Fed Continues to Battle Inflation with Higher Rates

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Fed Continues to Battle Inflation with Higher Rates

Inflation hit a fresh multidecade high and the Fed responded with another significant interest rate hike at July’s meeting.

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How Could Rising Rates Impact Commercial Real Estate?

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How Could Rising Rates Impact Commercial Real Estate?

Rising interest rates can dampen demand for commercial properties, leading to lower sale prices and higher vacancy rates.

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How Do Rising Wages Impact Business?

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How Do Rising Wages Impact Business?

Employment costs are rising rapidly, putting pressure on businesses’ bottom line and forcing them to reevaluate their strategies.

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Comparing CDs and Treasuries

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Comparing CDs and Treasuries

Organizations should understand the key differences between CDs and Treasuries before committing to a long-term investment.

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How the Digitization of Finance is Changing the Way Consumers Bank

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How the Digitization of Finance is Changing the Way Consumers Bank

In a post-pandemic world, banks are responding to customers’ desire for a blend of digital convenience and human expertise.

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Declining Bank Deposits Could Impact Deposit Rates

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Declining Bank Deposits Could Impact Deposit Rates

Forecasts show that 2022 will be the first year since WWII that total bank deposits will decline. This could impact deposit rates.

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Fed Takes Historic Action to Tame Inflation

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Fed Takes Historic Action to Tame Inflation

In response to rampant inflation, the Fed raised rates significantly. In addition, FOMC members updated their forecasts.

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Who is Responsible for Financial Oversight in Religious Organizations?

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Who is Responsible for Financial Oversight in Religious Organizations?

Financial oversight is critical in any organization. But many church administrators are unsure who should handle these activities.

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Case Study: How Deposit Rates React to Changes in the Fed Funds Rate

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Case Study: How Deposit Rates React to Changes in the Fed Funds Rate

Discover how changes in the Fed funds rate have impacted deposit rates over the years and where deposit rates could be headed.

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Fed Continues Its Battle with Inflation

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Fed Continues Its Battle with Inflation

Inflation remains an issue of concern, so the Fed raised rates by 50 basis points at May’s meeting.

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Business Escrow Accounts: Everything You Need to Know

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Business Escrow Accounts: Everything You Need to Know

Business escrow accounts are often needed for large, complex or risky transactions. Here’s what you should know before you enlist a business escrow company.

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How ADM Helps Municipalities Manage Referendum Funds

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How ADM Helps Municipalities Manage Referendum Funds

Managing bond proceeds can be tedious and risky for municipalities. ADM can reduce effort and risk while growing purchasing power.

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How the Fed Funds Rate Impacts Earnings on Business Cash Reserves

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How the Fed Funds Rate Impacts Earnings on Business Cash Reserves

Businesses could earn more on their deposits as rates rise. However, the link between the Fed funds rate and deposit rates is nuanced.

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How Can Businesses Prepare for a Rising Interest Rate Environment?

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How Can Businesses Prepare for a Rising Interest Rate Environment?

The Fed has signaled several rate increases in 2022. Businesses should prepare for these rate hikes by considering these suggestions.

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Are Supply Chain Disruptions Easing?

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Are Supply Chain Disruptions Easing?

Businesses have struggled to meet consumer demand due to supply constraints and logistical delays. These disruptions could ease in 2022.

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Interest Rates are on the Rise

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Interest Rates are on the Rise

FOMC members began raising rates at this week’s meeting. Additionally, members submitted updated projections for the future.

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2022 Interest Rate Outlook for Business Leaders

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2022 Interest Rate Outlook for Business Leaders

Business leaders can prepare for rising rates by forecasting when hikes will occur and how they might impact operations.

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Preparing for Fed Rate Changes in 2022

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Preparing for Fed Rate Changes in 2022

Regardless if rates are on the rise or on the decline, you have peace of mind knowing that your funds are fully protected with ADM.

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A History of Blockchain and How It Enables DeFi

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A History of Blockchain and How It Enables DeFi

Understanding blockchain can help leaders predict how DeFi will evolve and impact the way they save and invest.

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Fintech and Financial Inclusion

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Fintech and Financial Inclusion

Fintech can help close the banking gap and create a more inclusive financial system.

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Banks are Going Green

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Banks are Going Green

Banks are joining the fight to preserve the environment by reducing their carbon footprint and shifting their portfolios.

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What is DeFi and How is it Impacting Banking?

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What is DeFi and How is it Impacting Banking?

DeFi promises a decentralized, digital financial system which is open to all. This could disrupt the current banking industry.

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ADM is Raising Money for Starlight Children’s Foundation to Benefit Children’s Hospital of Wisconsin

ADM News

ADM is Raising Money for Starlight Children’s Foundation to Benefit Children’s Hospital of Wisconsin

Hospital stays can be frightening and long, especially for children who are chronically or severely ill. In these cases, children can be stuck in a hospital for weeks or months while they receive treatment. Starlight Children’s Foundation provides resources that can bring moments of happiness to children receiving treatment or recovering in hospitals. In Milwaukee,… Read more »

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Expectations for the U.S. Economy in 2022

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Expectations for the U.S. Economy in 2022

The U.S. economy is recovering from supply chain disruptions, unemployment, and high inflation. Find out what’s in store for 2022.

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When Will Interest Rates Go Up?

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When Will Interest Rates Go Up?

As prices rise at the fastest pace in more than three decades, many business leaders are anticipating interest rate increases.

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How Will Tapering of the QE Program Impact Rates and the Economy?

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How Will Tapering of the QE Program Impact Rates and the Economy?

The FOMC announced tapering of the most recent quantitative easing program which could impact markets and the economy.

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History of Quantitative Easing in the U.S.

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History of Quantitative Easing in the U.S.

The Fed has implemented quantitative easing programs several times in the US over the past twenty years with varying results.

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FDIC Initiatives to Promote MDIs and Mission Driven Banks

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FDIC Initiatives to Promote MDIs and Mission Driven Banks

Recently, the FDIC has strengthened their collaboration MDIs and mission-driven banks to help better serve their communities.

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Traditional Money Market vs. AMMA™

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Traditional Money Market vs. AMMA™

Money markets are popular investment vehicles for business cash reserves. With fintech, businesses may have a better option.

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Managing Risk When Working with a New Vendor

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Managing Risk When Working with a New Vendor

When working with a new supplier, businesses have additional risk. Some of this risk can be mitigated with business escrow.

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The Number One Reason Businesses Fail

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The Number One Reason Businesses Fail

Almost 400,000 businesses are opened each year. Half of those will fail in their first five years of operation.

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History of Economic Turmoil in the U.S. Part 3 – The Modern Economy

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History of Economic Turmoil in the U.S. Part 3 – The Modern Economy

Recessions are challenging for business. Explore the catalysts of the worst recessions in the U.S. in Part 3 of 3 in this series.

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Fed Updates Inflation and Interest Rate Projections

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Fed Updates Inflation and Interest Rate Projections

Fed Chair Jerome Powell gives an update on the US economy. FOMC members submit their projections for inflation and interest rates.

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History of Economic Turmoil in the U.S. Part 2 of 3 – Mid-20th Century

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History of Economic Turmoil in the U.S. Part 2 of 3 – Mid-20th Century

Recessions are challenging for business. Explore the catalysts of the worst recessions in the U.S. in part 2 of this 3-part series.

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Interest Rate Update: September 2021

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Interest Rate Update: September 2021

As the economy recovers from the COVID-19 related shutdown, the Fed considers steps to tighten monetary policy.

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History of Economic Turmoil in the U.S. Part 1 of 3 – The Early Years

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History of Economic Turmoil in the U.S. Part 1 of 3 – The Early Years

The U. S. economy is the largest in the world, but its history is filled with turmoil. Part 1 of this series explores the early years.

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Insured Cash Sweep (ICS) vs AMMA™

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Insured Cash Sweep (ICS) vs AMMA™

What is insured cash sweep [ICS], and how does it work? ICS offers a way to achieve FDIC coverage for large sums of cash, but there are some limitations.

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How Escrow Compliments Enterprise Risk Management

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How Escrow Compliments Enterprise Risk Management

Large transactions create risk for both buyers and sellers. Using escrow can mitigate risk and ensure that contract terms are met.

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Enhanced Business Banking with AMMA™️

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Enhanced Business Banking with AMMA™️

ADM’s fintech allows businesses to achieve the most protection and the most return for their cash without leaving their current bank.

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Fintech: Once a Disruptor, Now Critical Business Technology

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Fintech: Once a Disruptor, Now Critical Business Technology

Despite pandemic-related budget cuts, fintech investment and adoption continue to increase in both consumer and B2B sectors.

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Inflation Surges – Will Interest Rates Follow?

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Inflation Surges – Will Interest Rates Follow?

The FOMC has increased its inflation projections, and some see interest rate hikes coming sooner than previously predicted.

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Yield Curve Analysis

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Yield Curve Analysis

Long-term treasury yields are climbing with the economic and inflationary outlook, but the Fed still has short-term rates locked near zero.

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Banks are Flush with Cash – ADM Can Help

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Banks are Flush with Cash – ADM Can Help

The pandemic and resulting fiscal stimulus have left banks flush with cash. These banks are turning to ADM for help.

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Stimulus Impact on State and Local Government

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Stimulus Impact on State and Local Government

Both the CARES Act and the ARP provided funding to state and local governments. A strong economic impact is expected.

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How Will the Proposed Infrastructure Bill Impact the Economy?

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How Will the Proposed Infrastructure Bill Impact the Economy?

Infrastructure is the next big focus of the Biden administration, and this plan could impact the economy in several ways.

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The American Rescue Plan: Impact on Business

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The American Rescue Plan: Impact on Business

With the recently passed fiscal stimulus, focus shifted toward the consumer, but what will be the impact on the business community?

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Fintech Leads the Way for Alternative Investments

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Fintech Leads the Way for Alternative Investments

Alternative investments have risen in popularity in the current low-rate environment, and fintech is making them more accessible.

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Outsource Your Interest Rate Management

Podcasts

Outsource Your Interest Rate Management

If you have a huge amount of excess cash sitting in your bank account but don’t have enough time for interest rate planning – outsource it.

Otherwise, it’ll keep losing value due to inflation!

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Interest Rate Update: Analysis and Expectations

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Interest Rate Update: Analysis and Expectations

The Fed projects that interest rates will stay low for years, will recent developments threaten that stance?

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Settlement Fund Administration Made Simple

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Settlement Fund Administration Made Simple

Distribution of settlement funds can be an arduous task, especially with very large sums. ADM makes this process simple.

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Extended FDIC Insurance for Business Deposits

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Extended FDIC Insurance for Business Deposits

While FDIC insurance is typically enough for individual depositors, some businesses with lots of cash on hand may be taking on unnecessary risk.

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Fintech is Changing the Way RIAs Invest Cash

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Fintech is Changing the Way RIAs Invest Cash

Next Day Liquidity. Extended FDIC Protection. The MOST competitive return on cash. AMMA™ is a “win-win-win” for RIAs.

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ADM Honored in Best and Brightest Companies in America

ADM News

ADM Honored in Best and Brightest Companies in America

ADM is proud to receive this national recognition! We are truly honored to be one of the “Best
and Brightest Companies in America.”

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ADM In The News

ADM News

ADM In The News

American Deposits Management CEO, Kelly Brown, discusses with Fox6 News how to ensure your stimulus money is safe.

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Fintech is Filling in Gaps Created by the Pandemic

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Fintech is Filling in Gaps Created by the Pandemic

The pandemic disrupted the economy, creating gaps in many traditional business processes. Fintech has been filling those gaps.

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Making the Most of a Low Interest Rate Environment

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Making the Most of a Low Interest Rate Environment

The Fed seems to have committed to their ultra-low interest future, so how can you best position your company for this environment?

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The Unconventional Holiday Season is Underway

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The Unconventional Holiday Season is Underway

This year has been unconventional in many ways, but it’s almost complete. Please accept a message of thanks from our team at ADM!

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What to Expect for Interest Rates in 2021?

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What to Expect for Interest Rates in 2021?

While interest rates are likely to stay low for a while, there are a few key metrics to watch as the economy slugs through the pandemic.

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ADM Honored as One of Milwaukee’s Best Places to Work

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ADM Honored as One of Milwaukee’s Best Places to Work

The Milwaukee Business Journal has honored The American Deposit Management Co. as one of Milwaukee’s Best Places to Work in 2020.

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Avoiding Fraud: Corporate Phishing Attacks

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Avoiding Fraud: Corporate Phishing Attacks

Phishing is a technique used by hackers to gain unauthorized access to corporate data. Educate your team, so they can identify these attacks.

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What Does Inflation Mean for Business Cash Reserves?

Insights

What Does Inflation Mean for Business Cash Reserves?

The Fed recently changed course to allow for inflation above 2%, but how does a weaker dollar impact business cash reserves?

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3 Industries That Benefit from Business Escrow During a Pandemic

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3 Industries That Benefit from Business Escrow During a Pandemic

COVID-19 is shaking up business activity and increasing uncertainty everywhere. Businesses can leverage escrow to mitigate risk created by the pandemic.

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Investing Excess Business Cash

Insights

Investing Excess Business Cash

In today’s economic climate, cash reserves are a must. But how can a company make sure those returns are safe, liquid and earning a competitive return?

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Interest Rate Update – July 2020

Insights

Interest Rate Update – July 2020

The Fed released minutes from their June meeting. These notes provided insights into how the board views the direction of the economy and interest rates.

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How Banks Benefit from Partnering with ADM

Insights

How Banks Benefit from Partnering with ADM

When banks partner with ADM, there are many advantages, including access to additional deposits at lower costs, made possible by our proprietary fintech.

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Credit Ecosystem To Go

Podcasts

Credit Ecosystem To Go

While banks may now be “depositors” with excess PPP Funds and savings at an all-time high, it’s a temporary scenario. Kelly Brown, a national expert on cash management and bank liquidity, stops by Credit “Eco” to Go to discuss ways banks and companies can manage their money in these times of uncertainty and “fear of the unknown”. Kelly describes it like a dating game, but hear how to she connects banks with one another to solve their liquidity issues.

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Poor COVID-19 Support Leads Companies to Change Banks

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Poor COVID-19 Support Leads Companies to Change Banks

Financial stress struck many companies swiftly and without warning due to COVID-19. Those banks who were not responsive may soon feel the repercussions.

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How Businesses Are Responding to COVID-19

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How Businesses Are Responding to COVID-19

The COVID-19 Pandemic has created a “new normal” for many businesses. What changes are companies implementing to adjust to this uncertain economic climate?

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Benefits of Extending FDIC Limits with Marketplace Banking™

Insights

Benefits of Extending FDIC Limits with Marketplace Banking™

When your business has more than $250k to protect, don’t rule out the FDIC. The FDIC has limits, but fintech has simplified extending those limits.

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June 2020 FOMC and Interest Rates Update

Insights

June 2020 FOMC and Interest Rates Update

The Fed is exhausting all possible options to prop up a socially distant economy. Rates are already at historic lows, so what should we expect this month?

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Ensure Your Deposits Are Protected

Podcasts

Ensure Your Deposits Are Protected

Our Chairman and CEO, Kelly A. Brown, talks with Jeff Kowal of Kowal Investment Group on WISN The Retirement Clinic about how to be proactive with your retirement plans, savings accounts, investments, and personal accounts during this uncertain time. Listen to learn more about extended FDIC coverage and why creating a strong bank relationship is important to protect your hard earned dollars.

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What is CDARS

Insights

What is CDARS

CDARS is short for Certificate of Deposit Account Registry Service. It can help you achieve FDIC coverage above standard limits, but there are drawbacks.

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How Fintech is Changing Church Management

Insights

How Fintech is Changing Church Management

Churches have finite cash and limited resources, but no shortage of good things to accomplish. Fintech can help your church do more with those resources.

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What is a CD Ladder?

Insights

What is a CD Ladder?

CD ladders take advantage of higher interest rates of long-term CD’s while maintaining the liquidity of shorter-term investments.

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An Open Letter to Our Clients from Our CEO

ADM News

An Open Letter to Our Clients from Our CEO

My thoughts and prayers are with you and your loved ones during these uncertain times. We continue to monitor this situation closely.

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Federal Reserve Drops Rates to Zero

Insights

Federal Reserve Drops Rates to Zero

Fed officials dropped interest rates to zero and pledged to purchase at least $700 million in securities. What more can they do to support the economy?

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March FOMC Meeting and Coronavirus (COVID-19) Impact on Interest Rates

Insights

March FOMC Meeting and Coronavirus (COVID-19) Impact on Interest Rates

Following an emergency rate cut to combat the impact of Coronavirus (COVID-19), markets predict the Fed will slice rates further. Will they follow through?

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For the 6th Straight Year, ADM Named in Milwaukee’s “Best and Brightest Companies to Work For”

ADM News

For the 6th Straight Year, ADM Named in Milwaukee’s “Best and Brightest Companies to Work For”

ADM wins this award for the 6th straight year! We are truly honored to be one of “Milwaukee’s Best and Brightest Companies to Work For.”

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January Fed Meeting: Reaction, Expectations

Insights

January Fed Meeting: Reaction, Expectations

An uncharacteristically normal FOMC meeting took place last week. Although interest rates remained unchanged, their policy statement did not.

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What to expect from the Fed later this week?

Insights

What to expect from the Fed later this week?

Manufacturing and inflation remain low as the Fed works to determine the course of monetary policy following a pause to rate cuts last meeting.

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ADM is bringing you the MOST in 2020

ADM News

ADM is bringing you the MOST in 2020

It’s a new year and the beginning of a new decade. Here’s a few things we hope to accomplish for our team and our clients in 2020 and beyond.

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2020 Interest Rate and Economic Outlook

Insights

2020 Interest Rate and Economic Outlook

Last year brought us a strong stock market, falling interest rates and growing economic uncertainty. What can you expect the U.S. economy in 2020?

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December Fed Meeting: What’s next?

Insights

December Fed Meeting: What’s next?

The Fed met investors expectations and left interest rates unchanged, but what will it take for them to move again?

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What to Expect on Interest Rates at the December Fed Meeting?

Insights

What to Expect on Interest Rates at the December Fed Meeting?

After three straight interest rate cuts it seems likely that the Federal Reserve is hitting the brakes on further easing. But what can you expect next?

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Thanksgiving 2019 is in the books!

ADM News

Thanksgiving 2019 is in the books!

The 2019 edition of the Thanksgiving Holiday is in the books, and it was a great one. As is tradition, we saw parades, enjoyed some incredible food, and witnessed some insanity on the gridiron. For some of you, today might mean battling for a deal at your local department store or enjoying those leftover turkey… Read more »

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Idle Cash Equals Lost Profits for Property Managers

Insights

Idle Cash Equals Lost Profits for Property Managers

Property managers with idle reserve funds are missing out on profits. Learn how deposit management can maximize the value of your reserve cash.

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Property Managers: How to Get Better Returns on Your Reserves

Insights

Property Managers: How to Get Better Returns on Your Reserves

It’s critical to maintain cash reserves in case of an emergency at one of your properties. But, are you getting the most competitive returns on your reserves?

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The Fed Cuts Rates. What’s Next?

Insights

The Fed Cuts Rates. What’s Next?

The past week delivered a great deal of news on the U.S. economy. Many important economic indicators were released, and The Fed cut interest rates.

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What to Expect at the October FOMC Meeting?

Insights

What to Expect at the October FOMC Meeting?

The Federal Reserve has begun its quiet period prior to the October FOMC meeting. There is a split within the committee on whether they should cut interest rates further.

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How To Manage Your Business’s Excess Cash & Liquidity

Insights

How To Manage Your Business’s Excess Cash & Liquidity

Managing excess cash and liquidity in your business can be a full-time job, especially if you are working to get the most competitive return on your cash. A poll of 3,000 companies at the end of 2018 reported that these organizations had approximately $2.7 trillion in cash on hand. That is an astronomical number, especially… Read more »

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Federal Reserve Cuts Rates as Expected at September Meeting

Insights

Federal Reserve Cuts Rates as Expected at September Meeting

As anticipated, the Federal Reserve Board cut rates at the September meeting by 25 basis points to a new target range of 1.75-2.00%.

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ADM Honored as One of the ‘Fastest 5’ by COSBE

ADM News

ADM Honored as One of the ‘Fastest 5’ by COSBE

The American Deposit Management Co. is part of the “Fastest Five” which are the top 5 highest growth companies out of the Future 50 presented by COSBE.

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September Fed Meeting: What should you expect?

Insights

September Fed Meeting: What should you expect?

The Federal Reserve is meeting to make their policy rate decision. In today’s article, we discuss expectations for the direction of interest rates.

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Will the Fed Cut Interest Rates at the Next Meeting?

Insights

Will the Fed Cut Interest Rates at the Next Meeting?

Fed Chairman Powell speaks at Jackson Hole at the Federal Reserve’s annual symposium. Did we get an indication of where rates are heading?

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ADM Sponsors WBA Golf Outing with Former Packer Mark Tauscher

Events

ADM Sponsors WBA Golf Outing with Former Packer Mark Tauscher

The Wisconsin Bankers Association Golf Outing was held on August 15th. ADM sponsored the guest speaker, Former Packer Mark Tauscher, and the event was a success!

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How To Effectively Manage Church Funds

Insights

How To Effectively Manage Church Funds

Gathering donations is only half of the equation when it comes to managing your congregation’s giving. To take the next step, consider deposit management.

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Federal Reserve Board Cuts Rates, Creates Uncertainty

Insights

Federal Reserve Board Cuts Rates, Creates Uncertainty

The Fed’s decision to cut rates was far from unexpected, but there were still some surprises in Chairman Jerome Powell’s remarks.

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Church Management Software Often Ignores Deposit Management

Insights

Church Management Software Often Ignores Deposit Management

Church Management Software is critical to operating a successful congregation, but these systems routinely ignore deposit management.

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Future 50 Award Luncheon

Events

Future 50 Award Luncheon

ADM has been named a 2019 Future 50 company by the Metropolitan Milwaukee Association of Commerce’s Council of Small Business Executives (COSBE).

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How to Open an Escrow Account for Business

Insights

How to Open an Escrow Account for Business

Businesses need escrow accounts for a multitude of reasons. In this article, we explain the details of how to open an escrow account for business.

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Analysis: How Would Declining Interest Rates Impact Your Business?

Insights

Analysis: How Would Declining Interest Rates Impact Your Business?

Many experts believe that interest rates have plateaued for the time being, and some are expecting that rates may soon drop. Why is this happening, and how will it impact your business?

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Bankers, Beer & Bags – June 27, 2019

Events

Bankers, Beer & Bags – June 27, 2019

Spend an afternoon networking, sampling great craft beer, eating great food and throwing bags at the ADM Headquarters on June 27th from 4-8 p.m. Bring your CEO, CFO, Treasury Professionals & Commercial Lenders! RSVP to info@americandeposits.com and we hope to see you there!

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Fintech Can Help Your Church Prevent Fraud

Insights

Fintech Can Help Your Church Prevent Fraud

Church funds can be particularly vulnerable to fraud and theft. But there are ways to protect your church from both, with deposit management and vendor payment processing.

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How to Grow Your Church’s Fund through Deposit Management

Insights

How to Grow Your Church’s Fund through Deposit Management

There is a way to grow your church’s excess funds without raising extra cash. The solution is deposit management.

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Idle Funds are Costing Religious Organizations Big Money

Insights

Idle Funds are Costing Religious Organizations Big Money

Here’s how unused funds could affect your church and what you can do to maximize your ministry’s financial strength through deposit management.

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What do rising interest rates mean for your business?

Insights

What do rising interest rates mean for your business?

Rising interest rates present both challenges and opportunities for businesses of all sizes. Here’s what you need to know to make the most of higher rates.

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Corporate Fraud: How to Identify, Address and Prevent

Insights

Corporate Fraud: How to Identify, Address and Prevent

Fraud is a very real problem in today’s corporate environment. We tend to hear about it only when it impacts the end user — when customer accounts are hacked, for example, or valuable personal data is stolen. But internal fraud can be crippling to a business. Some estimates suggest it costs large corporations in the… Read more »

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How to Spot an Internal Thief

Insights

How to Spot an Internal Thief

Internal theft can deal a crushing blow to any business. Here’s how to recognize it, stop it and take steps to prevent it from happening in the future.

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Why don’t banks pay the highest rates?

Insights

Why don’t banks pay the highest rates?

Why don’t banks pay the highest rates? In short, it’s complicated. The good news? There is a way to find competitive rates while keeping your money safe.

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Fintech is Changing How We Make Payments: Here’s How…

Insights

Fintech is Changing How We Make Payments: Here’s How…

Financial technology is changing payments as we know them. Here’s how to make your business payments more efficient — and keep your money secure in the process.

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Unhappy with your bank’s business deposit rates? We have a solution.

Insights

Unhappy with your bank’s business deposit rates? We have a solution.

Thinking about switching banks? Hold that thought. There’s a way to maintain your existing bank relationship while earning more competitive returns. Here’s how.

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Is my corporate cash safe?

Insights

Is my corporate cash safe?

Your business has extra cash on hand. Good. That means you’re prepared for whatever might come your way. Now the question is, how do you keep that cash safe?

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The Physics Problem Plaguing the World of Finance

Insights

The Physics Problem Plaguing the World of Finance

Earlier this month, the Wall Street Journal’s “Intelligent Investor” columnist introduced a vexing problem in the world of finance: inertia.

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ADM named one of Milwaukee’s ‘Best and Brightest Companies to Work for’

ADM News

ADM named one of Milwaukee’s ‘Best and Brightest Companies to Work for’

There are a lot of awards in the world of business, but for us, this one is particularly powerful. ADM wins the award for the 5th straight year.

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Your company is repatriating money. Now what?

Insights

Your company is repatriating money. Now what?

Looking to bring your foreign profits home? Here’s how your company can put that repatriated cash to good use.

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How to Put Your Corporation’s Tax Funds to Work

Insights

How to Put Your Corporation’s Tax Funds to Work

Your business has saved diligently for taxes. Here’s how to keep those funds working for you before they head out the door for good?

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Five Ways Community Banks Can Increase Deposits

Podcasts

Five Ways Community Banks Can Increase Deposits

In this brief episode we cut through the politically correct language and talk directly to bankers that really want to make serious changes in how they gather deposits.

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Why Companies Shouldn’t Delay Repatriation of Foreign Profits

Insights

Why Companies Shouldn’t Delay Repatriation of Foreign Profits

U.S. companies have historically stored billions of dollars abroad to avoid high taxes. But, now is the perfect time to repatriate those funds. Here’s why.

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Five Ways Community Banks Can Find New Depositors

Insights

Five Ways Community Banks Can Find New Depositors

ADM provides a simple way for community banks to find new deposits by leveraging technology and a vast network of businesses leaders. In this article, we’ve detailed a total of 5 ways community banks can land more deposits.

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Three Tips for Tax Deposits

Podcasts

Three Tips for Tax Deposits

Today we discuss three great tips for public and private entities that earmark funds for taxes.

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Smarter Cash #001

Podcasts

Smarter Cash #001

A discussion on bond proceeds and how to maximize your returns.

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Referendum Funds: How to Maximize and Protect

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Referendum Funds: How to Maximize and Protect

Do you have the manpower necessary to manage your newly acquired referendum funds? In this article we explore the challenges with managing bond proceeds.

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Community Banks Need To Go Digital. Here’s Why.

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Community Banks Need To Go Digital. Here’s Why.

Community banks that don’t go digital will struggle in the new digital economy. Here’s why.

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How Will the GDPR Affect Your Bank?

Insights

How Will the GDPR Affect Your Bank?

Europe’s new data privacy law, commonly known as the GDPR will have an effect on US banks. Here’s what you need to know.

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Why Community Banks Should Bank Beyond Their Backyard

Insights

Why Community Banks Should Bank Beyond Their Backyard

With technological advances, banking is changing and community banks need to look beyond their backyard to protect their business.

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Thanks to Our Summer 2018 Interns

ADM News

Thanks to Our Summer 2018 Interns

We as a firm are thankful for our wonderful summer interns. Today’s interns, tomorrow’s leaders.

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What You Need To Know About A Rising Rate Environment

Insights

What You Need To Know About A Rising Rate Environment

In a rising interest rate economy, company and municipal depositors need to take action to protect their investments. Here are a few things to think about when planning your deposits in the current interest rate environment.

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Fintech is Changing Banking. Here’s What Banks Need to Know

Insights

Fintech is Changing Banking. Here’s What Banks Need to Know

Disruptive fintech startups are changing the way we bank and shaking up the banking industry. Here are some things that banks need to do to stay competitive.

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What You Need To Know About AI’s Role In The Economy

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What You Need To Know About AI’s Role In The Economy

Like it or not, AI is now deeply embedded in the economy. That means really big changes are sweeping how financial institutions handle everything from data to products to investments.

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The Nuts & Bolts of What We Do

ADM News

The Nuts & Bolts of What We Do

CFOs and Chief Investment Officers are faced with finding places to safely manage their cash portfolio and get a great return in that investment. What our firm does is take large deposits and we invest that into a network of FDIC insured banks so that the money is all FDIC insured.

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