Commercial
Operating, reserve, and payroll balances held on safety, not rate. Keep payments, lending, and treasury in one relationship.
$1.8M
56%
Typical relationship
Of network deposits
The bank-owned deposit networkto deepen relationships and scale revenue
NBID is an institution-owned deposit network, ensuring members have alignment with their systemically-important infrastructure. The network helps banks of all sizes provide reciprocal deposit insurance, optimize funding, and improve profitability.
Trusted by 734 of the nation’s leading banks
managing $3.1T deposits across all 50 states
* A list identifying NBID / ModernFi network banks can be found here. NBID and ModernFi are not FDIC-insured banks, and deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. ModernFi serves as manager of NBID LLC.
Owned by member banks
Bank-owned for alignment, stability, and upside
Reciprocal deposits are a vital component of our country’s financial infrastructure, supporting the competitiveness, scale, stability, and size diversity of the US banking system. Given their critical importance, NBID is a network where community, regional, and industry-leading banks shape the future of deposit networks. Every participating depository institution receives a membership interest in NBID.
01
Alignment and oversight
Participating depository institutions nominate and elect a majority of NBID's Board of Directors.
02
Founding-member economics
Significant cost savings for founding and early members, with competitive pricing on usage.
03
Profit share
A meaningful portion of NBID's net profits is shared with members based on deposits placed through the network.
04
Seamless technology
A modern network that can be set up in parallel to your existing solutions.
The value of a reciprocal network is the banks themselves. Now, member banks can benefit from the network they power.
Trusted by the industry
Embraced by American banking
Supporting 734 member banks of all sizes. NBID is a Premier Member of the American Bankers Association’s Partner Network, a Principal Partner of the Mid-Size Bank Coalition of America, and is partnered with 40+ state bankers associations across the country.
734
Member banks, all sizes
660
Community
Under $10B
60
Regional
$10B–$50B
14
Super regional
Over $50B
Premier Member
American Bankers Association
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Value for institutions
Grow deposits, deepen relationships, scale revenue
Attract and retain large-balance depositors across every segment. Offer accounts with access to millions in aggregate insurance across network participants* while keeping the relationship at your FI. Receive reciprocal deposits back from the network so the balance stays on your balance sheet.
Public funds
Win municipal mandates with no or reduced collateral. Public-funds balances on the network grew over 100% year-over-year.
$3.5M
17%
Typical relationship
Of network deposits
Private wealth
Consolidate the balances your largest individual clients otherwise scatter across institutions. Compete with the largest on safety.
$2.4M
18%
Typical relationship
Of network deposits
Nonprofits & fiduciary
Endowment reserves, IOLTA, escrow, and trust accounts that require fully insured cash. Met by one account.
$1.2M
9%
Typical relationship
Of network deposits
* A list identifying NBID / ModernFi network banks can be found here. NBID and ModernFi are not FDIC-insured banks, and deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. ModernFi serves as manager of NBID LLC. Typical relationship balances from the ModernFi whitepaper, April 2026; illustrative. Share of network deposits from NBID network update, depositor mix by $, April 2026.
Technology & Innovation
Seamless experiences for depositors. Powerful infrastructure for institutions.
NBID’s platform reduces friction for depositors and operational lift for member banks.
New features, functionality, and intelligence built to our members’ specifications.
Depositor experience. Integrated into your web and mobile applications. Branded as yours.
Institution experience. Built into your core. Available in your dashboard. APIs for your developers.
Treasury · Community Bank
Live
Reciprocal · out
$342.8M
+$12.1M today
Reciprocal · in
$341.2M
+$11.8M today
Active depositors
1,284
+18 this week
Allocation by counterparty
22 institutions · all slices under $250K
- Pacific Trust Bank$24.8M7.2%
- Cascade Federal$22.1M6.4%
- Lakeshore Community$19.5M5.7%
- + 19 additional counterparties
Margaret Whitfield
SweepInsured Sweep
Available balance
$5,000,000
CoverageUp to $25M
InstitutionsNetwork institutions100 banks
Operating Checking
$1,230,432.04
Recent activity
- Wire depositFrom: settlement+$2,000,000
- Sweep distributionTo: Insured Sweep+$500,000
- Interest paymentMay credit+$8,420
- Outgoing wireTo: vendor−$45,000
Depositor experience
Integrated into your web and mobile applications. Branded as yours.
Built into your channels. Integrated into your online banking and mobile app to keep the depositor relationship with you.
One account, one statement, one 1099. Depositors see a single balance, a single statement, and a single tax form. You own the relationship.
Onboarding to your standards. Account opening and onboarding match the workflows your customer and compliance teams already follow.
Institution experience
Built into your core. Available in your dashboard.
Direct core integrations. Direct connections to the major core providers and more. Accounts open, fund, and report inside the workflows your operations team already use.
Real-time portal visibility. Live allocations, counterparty concentration, fee income, and pass-through balances. Visible to your treasury team as positions move on the network.
API access for your developers. Full documentation is publicly available. Pull data into your reporting systems. Connect with the tools your treasury, ALCO, and risk teams rely on.
Illustrative example. Figures, institutions, and individuals shown are hypothetical and do not represent actual or expected results or any real customer or network member. Where coverage is shown, deposits are eligible for pass-through FDIC insurance, subject to applicable conditions, up to $250,000 per depositor, per institution.
Institution Success
White-glove support.
A team that knows your goals.
Every member institution is assigned a Regional Director who leads onboarding and training, works with you on marketing assets and deposit targets, and runs recurring sessions focused on your growth and goals throughout the partnership.
- 01
A Regional Director, by name.
Each institution is assigned a Regional Director who knows your core, your priorities, and your customers. They lead staff training, run weekly touchpoints, support with conversations with your largest depositors, and own the growth plan alongside your team.
- 02
Branded marketing assets and support.
Depositor guides, public-funds explainers, transition kits, email sequences, landing-page blocks, frontline-staff manuals, and conversation starters. Built in your institution's brand, not in ours, so you own the depositor experience. Ready before your program goes live.
- 03
Prospect intelligence and co-marketing.
Our data and analytics identify the businesses, municipalities, and high-balance prospects in your target areas. Our growth dashboards track every conversation through to placement. State-association webinars and regulatory panels put your team in front of your peers.
“Claudia, I can't thank you enough for the collaboration, trust, and support you've shown throughout our partnership.”
“Elizabeth, you've been exceptional to work with. They're fortunate to have you — and so are we!”
“Katherine, the network is awesome, but it is your service level that sets you apart.”
“Austin, lots of partners promise the sun, the moon, and the sky, then fall short. You're delivering on every expectation!”
“Sam, thank you for making the effort to work with us — we created a ton of energy behind our program!”
“Andrew, what sold us wasn't only the technology and price, it was that you are passionate about what you do. You held our hand through the process; we never had to worry.”
“Scarlett, thank you for always taking care of our customers. We appreciate you!”
“Alaina, I always know I can reach you. You're so good to me — thank you!”
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You're always willing to hop on a call, and we love the platform. The network is awesome, but it is your team's service level that sets you apart. It's amazing to give feedback and see it implemented less than a week later.
What our partners are saying
Reciprocal networks allow us to better serve clients of all sizes. Through NBID, we finally have oversight over a service that has quickly become essential to our growth and stability, and we benefit financially from its success.
Chris Maher
CEO, OceanFirst Bank
We control this network. It is a bank-governed network. I think of it as like a cooperative. We bring the value to the table through the client base and the deposit base, and we are governing it as the board of directors.
John Asbury
CEO, Atlantic Union Bank
What sets NBID apart is that the network is bank-driven. The infrastructure exists to serve the institutions in it, not the other way around. Byline Bank joined because we wanted upside and alignment over our deposit infrastructure.
Alberto Paracchini
President & CEO, Byline Bank
It wasn't only the technology. The price was right, certainly, but the team is passionate about what they do. When you're a new bank and you have to triage everything, however, we never had to worry about our NBID onboarding because the process was simple, fast, and easy.
Ryan Peene
Chief Operating Officer, Liberty Bank of New Jersey
Join the network
Start growing with NBID today
Get in touch to learn how membership in the bank-owned deposit network can help your institution grow deposits, deepen customer relationships, and improve your margins.