Expanded Reciprocal Deposits: Planning for Community and Regional Banks

Aired: August 18, 2026

The enactment of the 21st Century ROAD to Housing Act marks one of the most significant changes to reciprocal deposits in decades, substantially expanding the capacity for non-brokered reciprocal deposits. As banks begin planning for implementation, now is the time to evaluate how these changes may influence funding strategies, liquidity management, customer retention, and future growth.

Join the American Bankers Association for a practical discussion on what the expanded reciprocal deposit framework means for community and regional banks. Kevin Bannerton, Chief Business Development Officer at R&T Deposit Solutions, will explore the strategic implications of the legislation, discuss where banks are identifying new opportunities, and share practical considerations for preparing ahead of the 2027 implementation.

Following the presentation, ABA’s Tim Pannell will moderate a live Q&A with Kevin and Jeff Zuendt, Chief Deposit and Client Officer at R&T Deposit Solutions, addressing questions from attendees and discussing how banks can evaluate reciprocal deposits as part of their broader funding and deposit strategy.

Whether your institution already uses reciprocal deposits or is reassessing its approach in light of the new legislation, this webinar will provide practical insights to help inform your planning.

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R&T Deposit Solutions, LLC

R&T Deposit Solutions provides banks, broker-dealers, trust companies, wealth managers, and other financial institutions with a comprehensive selection of products and services, designed to meet their unique cash sweep and deposit funding needs.

Expanded Reciprocal Deposits: Planning for Community and Regional Banks

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