How Payments Gaps Are Limiting Deposit Growth at Community Banks

From Opening to Ongoing: How Modern Payments Unlock Community Banks’ Deposit Growth

Community banks have made progress in modernizing account opening, but payment capabilities often lag behind customer expectations. The latest “Money Mobility Tracker®,” a collaboration with Ingo Payments, examines how these gaps limit account utilization and why enabling everyday money movement is critical to deposit growth.

Inside the April Tracker
  • Community banks have modernized account opening and core systems, but payments often lag. As real-time money movement becomes essential, “modern” is defined by capabilities, not upgrades.
  • The challenge now is utilization, not activation. Funded accounts fail to become primary relationships without everyday payments functionality.
  • Deposit growth depends less on opening accounts and more on making them indispensable. Real-time, multi-rail payments can turn dormant accounts into active financial hubs.

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    Money Mobility

    Instant Account Activation: Why Funding Speed Is the New Battleground for Deposit Growth
    The Faster-Payments Imperative for Small-Business Cash Flow
    Instant Myths: Debunking Faster-Payments Fraud Fears
    Construction Payments Need an Instant Lift
    The Demand for Instant Insurance: Why Speed Is the New Trust
    Money Mobility Tracker® - Tips on Tap: Instant Payments in the Restaurant Industry
    Money Mobility Tracker® - Instant Loyalty: The Growing Necessity of Earned Wage Access Amid Uncertainty
    Money Mobility Tracker® - Race Against Time: How Urgency Shapes the Demand for Instant Lending Payouts
    Money Mobility Tracker® - About Moving on Up: Instant Payments and PropTech Redefine Property Management
    Money Mobility Tracker® - All Systems Go: Instant Payments in Trucking and Transportation
    Money Mobility Tracker® - Government Goes Digital: Phasing Out Federal Checks Opens Door to Instant Payments
    Money Mobility Tracker® - Instant Shift: How Choice, Certainty and Convenience Are Driving Demand for Instant Payments
    Money Mobility Tracker® - Immediate Impact: How SMBs Can Benefit From Instant Payments
    Money Mobility Tracker® - Speed and Security: How Faster-Payments Providers Are Reducing Fraud Risks
    Money Mobility Tracker® - The Instant Remedy for Healthcare Payments’ Pain Points
    Money Mobility Tracker® - Checks at Risk: How Paper Payments Weaken Fraud Prevention
    Money Mobility Tracker® - Gigs and Games: How Instant Payments Are Gaining Ground for Ad Hoc Transactions
    Money Mobility Tracker® - Accelerating Aid: Digital Payouts for Government Disbursements
    Money Mobility Tracker® - Faster Funds: Enabling Instant Disbursements for Consumer Lending
    Money Mobility Tracker®: Digital Rebuild: Transforming Payments in the Construction Industry
    Money Mobility Tracker®: Pay Without Delay: How Faster Payroll Improves Employee-Employer Relationships
    Money Mobility Tracker®: Travel Tips: Instant Payments for Tips and Payouts in Travel and Hospitality
    Money Mobility Tracker®: Top of Wallet: Digital Wallets' Ascent for Payments - and More
    Money Mobility Tracker®: From Rent to Refunds: The Push for Faster Payments in Property Management
    Money Mobility Tracker®: Protecting Accelerated Disbursements From Fraud
    Money Mobility Tracker®: Payment Due: Billers’ Bid for Better Bill Pay
    Money Mobility Tracker®: Peer Pressure: Balancing Convenience With Compliance in P2P Payments
    Money Mobility Tracker®: Real Time Matters: The Imperative for Instant Disbursements for Insurance
    Money Mobility Tracker®: Making the Grade: Promoting Faster Payments in Education
    Money Mobility Tracker®: Sure Bet: Accelerating Gambling Payouts Makes Everyone a Winner
    Money Mobility Tracker®: Under Construction: Improving Payments in the Construction Industry
    Money Mobility Tracker®: Fast-Lane Finance: Accelerating Payments in the Trucking Industry
    The Rise of Instant Payroll and Early-Access Compensation
    The Healthcare Industry Needs a Dose of Money Mobility
    Rising Demand Makes Faster Payments a Growing Necessity
    How Instant Disbursements Could Drive Lenders' Growth
    Inflation Makes Technology Table Stakes for Restaurants
    Money Mobility Helps Property Managers in a Difficult Economy
    Money Mobility Tracker®: Money Mobility Comes to the Insurance Industry
    Casinos, Gambling And Gaming Platforms Bet On Instant Payments
    The Rise Of Digital And Early Access Compensation
    Innovating The Future Of Government Disbursements
    How Seamless Fund Transfers Can Unlock $10 Trillion in Payments
    Money Mobility Tracker® - August 2022
    Money Mobility Tracker® - June/July 2022
    Money Mobility Tracker® - May 2022
    Money Mobility Tracker® - April 2022
    Money Mobility Tracker® - March 2022