{"id":3656013,"date":"2026-04-16T04:03:02","date_gmt":"2026-04-16T08:03:02","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3656013"},"modified":"2026-04-18T01:30:28","modified_gmt":"2026-04-18T05:30:28","slug":"how-payments-gaps-are-limiting-deposit-growth-at-community-banks","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/money-mobility\/2026\/how-payments-gaps-are-limiting-deposit-growth-at-community-banks\/","title":{"rendered":"How Payments Gaps Are Limiting Deposit Growth at Community Banks"},"content":{"rendered":"<p>Community banks have made meaningful progress in <a href=\"https:\/\/www.treasuryprime.com\/blog\/2025-banking-innovation-index-community-banks-embrace-embedded-finance\">digitizing<\/a> account opening, but the competitive battleground for deposits is shifting. Opening and even <a href=\"https:\/\/www.pymnts.com\/money-mobility\/2026\/why-millions-of-new-accounts-never-turn-into-real-banking-relationships\">funding accounts<\/a> are no longer enough to secure lasting relationships. The defining factor is what happens next: whether those accounts become central to everyday financial activity.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3656013#wpcf7-f2699550-o1\" method=\"post\" class=\"wpcf7-form init pymnts-article-paywall-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2699550\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2699550-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"free-articles-prompt-intro\">\n\t<h2 class=\"mb-2\">Get the Full Story\n\t<\/h2>\n\t<p class=\"mb-4\">Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required.\n\t<\/p>\n\t<div id='registrationContainer' class='container px-0'>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"firstName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name*\" value=\"\" type=\"text\" name=\"firstName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"lastName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"lastName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name*\" value=\"\" type=\"text\" name=\"lastName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourTitle\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputTitle\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Title*\" value=\"\" type=\"text\" name=\"YourTitle\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" 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wpcf7-validates-as-required form-control border-secondary\" id=\"inputCountry\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Country*\" value=\"\" type=\"text\" name=\"YourCountry\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"inputEmailHidden\" value=\"\" type=\"hidden\" name=\"yourName\" \/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3656013\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/money-mobility\/2026\/how-payments-gaps-are-limiting-deposit-growth-at-community-banks\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"184\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>That is where many institutions are falling short. While 55% of community-bank decision-makers say they have <a href=\"https:\/\/www.treasuryprime.com\/blog\/2025-banking-innovation-index-community-banks-embrace-embedded-finance\">fully modernized<\/a> their technology stacks, payments capabilities tell a more complicated story. Investment in real-time payments infrastructure is widely recognized as critical, yet many institutions have not fully implemented these capabilities.<\/p>\n<p>This gap has direct implications for deposit growth. Accounts that are opened and funded do not automatically become primary relationships. Many remain underused or <a href=\"https:\/\/www.pymnts.com\/money-mobility\/2026\/why-millions-of-new-accounts-never-turn-into-real-banking-relationships\">dormant<\/a>, limiting opportunities to retain deposits and deepen engagement. The issue is no longer just activation\u2014it is utilization.<\/p>\n<p>Legacy infrastructure, including <a href=\"https:\/\/www.bankdirector.com\/article\/community-banks-cant-delay-core-modernization\/\">core provider limitations<\/a>, plays a key role in this disconnect. Many systems still rely on batch-based processing and fragmented payment capabilities, making it difficult to support seamless experiences across use cases such as peer-to-peer transfers, bill payments and business disbursements. At the same time, <a href=\"https:\/\/www.treasuryprime.com\/blog\/2025-banking-innovation-index-community-banks-embrace-embedded-finance\">concerns about fraud<\/a> continue to slow adoption, with 26% of community banks citing it as a barrier to implementing faster payment capabilities.<\/p>\n<p>To close this gap, community banks are increasingly adopting a payments-layering strategy. This includes embedding capabilities such as instant payments, P2P transfers and multi-rail disbursements directly into funded accounts. This shift reflects a broader reality: Accounts become primary only when they support the full range of everyday financial activity.<\/p>\n<p>The opportunity is significant. More than 70% of small to mid-sized businesses (SMBs) say they would prefer to bank with <a href=\"https:\/\/www.bny.com\/corporate\/global\/en\/insights\/voice-of-community-banks-survey-2025.html\">community institutions<\/a>, yet far fewer currently do\u2014pointing to unmet demand that stronger payment capabilities could unlock.<\/p>\n<p>The path forward is increasingly clear. Deposit growth depends not just on opening or funding accounts, but on enabling continuous payment activity. By aligning payment capabilities with everyday account usage, community banks can strengthen engagement and better position themselves to compete for deposits.<\/p>\n<div class=\"my-5\"><style>\n  .free-download-sec {\n    width: 100%;\n    font-family: \"Roboto\", sans-serif;\n  }\n\n  .free-download-sec .inner {\n    background: rgb(35, 36, 150);\n    background: linear-gradient(129deg, rgba(35, 36, 150, 1) 0%, rgba(14, 14, 49, 1) 87%);\n    padding: 20px;\n    border-radius: 10px;\n    \/* max-height: 210px; *\/\n  }\n  h2.report-title {\n    font-size: 1.6rem;\n    font-weight: 600;\n    color: #fff;\n  }\n  h2.report-title span {\n    display: block;\n    font-weight: 400;\n  }\n  .free-download-sec .form-control {\n    line-height: 2.2;\n  }\n  .free-download-sec .form-control::placeholder {\n    color: #000;\n  }\n\n  .free-download-sec .form-control::-ms-input-placeholder {\n    color: #000;\n  }\n\n  .free-download-sec p {\n    font-size: 14px;\n    font-style: italic;\n    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div:nth-child(4),\n  #DownloadForm .wpcf7-form div:nth-child(5) {\n    width: 50%;\n  }\n}\n@media (max-width: 767px){\n  #DownloadForm .free-download-sec {\n    margin: 0px;\n  }\n}\n<\/style>\n<div id=\"DownloadForm\">\n  <div class=\"container free-download-sec\">\n    <div class=\"inner\">\n      <div class=\"row\">\n        <div class=\"col-md-5 d-flex flex-row justify-content-center align-items-center\">\n          <div>\n            <h2 class=\"report-title px-4 text-start fw-bold mb-3 mb-md-0\">\n              <small class=\"text-start fw-bold d-block small mb-2\">\n                Download the Tracker\n              <\/small>\n              From Opening to Ongoing: How Modern Payments Unlock Community Banks\u2019 Deposit Growth\n            <\/h2>\n            \n          <\/div>\n        <\/div>\n        <div class=\"col-md-7\">\n          <div class=\" bg-white rounded-3 p-4 shadow\">\n            \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f3656169-o2\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"3656169\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3656013#wpcf7-f3656169-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"3656169\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f3656169-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div>\n\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" 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\/><\/span><\/label>\n\t<\/p>\n<\/div>\n<div>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner black-button\" type=\"submit\" value=\"Receive Your Copy\" \/>\n\t<\/p>\n<\/div>\n<p class=\"small text-secondary lh-sm\"><em>By completing this form, you agree to receive marketing communications from PYMNTS and consent to the sharing of your information with our sponsors, where applicable, in accordance with our <a href=\"https:\/\/www.pymnts.com\/privacy-policy\/\">Privacy Policy<\/a> and <a href=\"https:\/\/www.pymnts.com\/terms-conditions\/\">Terms and Conditions<\/a>. Sponsors may use this information to contact you directly. You may update your preferences or withdraw your consent at any time.<\/em>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/04\/PYMNTS-Intelligence-Money-Mobility-Tracker-April-2026.pdf\" type=\"hidden\" name=\"submit-link\" \/><input type=\"hidden\" name=\"post_id\" value=\"3656013\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/money-mobility\/2026\/how-payments-gaps-are-limiting-deposit-growth-at-community-banks\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_2\" name=\"_wpcf7_ak_js\" value=\"6\"\/><script>document.getElementById( \"ak_js_2\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type='hidden' name='post_id' value='3656013'><\/form>\n<\/div>\n\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div><\/div>\n<h3>About \u201cFrom Opening to Ongoing: How Modern Payments Unlock Community Banks\u2019 Deposit Growth\u201d<\/h3>\n<p>The latest \u201c<strong>Money Mobility Tracker<sup>\u00ae<\/sup><\/strong>,\u201d a collaboration with <strong><a href=\"https:\/\/payments.ingomoney.com\/\">Ingo Payments<\/a><\/strong>, examines why funded accounts at community banks often fail to become primary relationships, how gaps in payments functionality limit utilization, and why enabling everyday money movement is critical to deposit growth.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3656013;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Community banks have made meaningful progress in digitizing account opening, but the competitive battleground for deposits is shifting. Opening and even funding accounts are no longer enough to secure lasting relationships. The defining factor is what happens next: whether those accounts become central to everyday financial activity. Get the Full Story Complete the form to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3656098,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[73563],"tags":[4313,6154,156531,7617,150676,10829,69547,9206,67958,67601,133069,4539,9615],"class_list":["post-3656013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-mobility","tag-banking-2","tag-banks","tag-featured-insights","tag-fintech","tag-ingo-payments","tag-main-feature","tag-money-mobility","tag-news","tag-payments-intelligence","tag-pymnts-intelligence","tag-pymnts-news","tag-smbs","tag-tracker-series"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Community Banks Tie Payments to Deposit Growth<\/title>\n<meta name=\"description\" content=\"Community banks are modernizing, but payment capabilities still shape utilization and deposit growth as funded accounts seek everyday use.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/money-mobility\/2026\/how-payments-gaps-are-limiting-deposit-growth-at-community-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Payments Gaps Are Limiting Deposit Growth at Community Banks | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Community banks have made meaningful progress in digitizing account opening, but the competitive battleground for deposits is shifting. 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