Winning the Deposit Battle While Avoiding Rate Wars

3.3.26 | 12:00 PM EST

Instructor: Neil Stanley

Course Duration: 1 HR

What You'll Learn

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

Accreditations

CPE/NASBA - Group Internet Based

Noggin Guru, Inc. dba Lorman Education Services and BankersHub is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539.

Please note: You must attend at least 50 minutes to obtain credit. Final CPE approval belongs with each state's regulatory board. Credit is based on a 50-minute credit hour.

For more detailed information about the course, including the outline, content, and objectives, please refer to the 'Description' tab on this webpage.

Field Of Study: Finance
Prerequisite: Basic knowledge of the banking industry, business, or law
Level of Knowledge: Intermediate
Advanced Preparation: None
Delivery Method: Group Internet Based

Requesting CE:
Upon completion of this course, please email creditrequest@nogginguru.com to obtain a CE certificate.

About the Author:

Neil Stanley

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.

On-Demand Course