Winning the Deposit Battle While Avoiding Rate Wars
About This Course
Deposit competition is intensifying but rate wars are not a strategy. As depositors become more informed, more rate-aware, and increasingly supported by AI-driven tools, many institutions feel pressured to respond with higher rates, broader promotions, and reactive pricing decisions. The result is often margin erosion, inconsistent outcomes, and internal tension between retail, treasury, and finance teams. This course reframes the deposit battle around strategy, structure, and execution while showing how institutions can win targeted deposit growth without commoditizing their balance sheet or surrendering pricing discipline.
Topics covered in this course
- Why rate wars destroy value faster than they create growth
- How to strategically win institutions segment depositors
- How to replace static rate sheets with controlled flexibility
- How to present deposit value in dollars and not just rates
- How to align retail execution with ALCO and CFO priorities
*This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
Your Instructor
Neil Stanley is the Founder and CEO of The CorePoint.
Neil founded The CorePoint in 2010 with a mission of revitalizing pricing strategies for retail deposits. The company provides clients across the country with enhanced ways of profiting through attracting and retaining properly priced retail deposits. He has been granted two U.S. Patents for business processes which unleash value in time deposits including the patent on Redeemable CD®.
He has facilitated the High-Performance Idea Exchange for the Sheshunoff CEO Affiliation Peer Groups since 2021. Neil has taught at Graduate School of Banking in Colorado; Southwest Graduate School of Banking; and Graduate School of Banking - Madison. Neil has published numerous banking industry articles and participated in many banking podcasts and webinars. Neil is the Keynote speaker for the 2025 Retail Deposit Optimization and Strategic Management conference.
With 30 years as a bank executive with three high-performance family-owned banking groups, Neil has held a spectrum of roles in banks including Holding Company VP, Chief Liquidity and Investment Officer, Chief Credit Officer, President of Community Banking, and CEO.
Neil has served as a director for several banking and financial organizations. He also serves on the board of Pillar Seminary.
This course is covered under team memberships.
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