Certainty Is a Strategy

Driving Profitable Commercial Deposit Growth in Unpredictable Times

The current rate environment may be unpredictable, but your deposit strategy doesn’t have to be. For banks navigating rising funding costs, increased competition, and the demand for operational scale, the institutions that succeed won’t be the ones that wait for stability, they’ll be the ones that create it.

Certainty is more than a message. It’s a strategy.

ZSuite Tech delivers it through ZEscrow, our digital escrow and subaccounting platform that enables banks to grow strategic, profitable commercial deposits at scale.

Strategic Deposits, Not Just Low-Cost

In commercial banking, not all deposits are created equal. The most profitable deposit relationships aren’t necessarily the lowest-cost—they’re the ones that align with the bank’s funding strategy, client mix, and operational capacity.

Verticals like property management and 1031 exchange intermediaries illustrate this clearly:

• 1031 Exchange deposits often carry a higher cost of funds, but the balances are significant, the relationships are sticky, and the growth potential is tied to high-velocity real estate activity.
• Property management deposits are often spread across hundreds (or thousands) of accounts. With ZEscrow, banks can manage these at scale, turning what was once operational overhead into a high-margin, low-effort deposit stream.

Whether you're managing thousands of IOLTAs or a handful of multimillion-dollar 1031s, ZEscrow enables your bank to operate with confidence, control, and visibility even when market conditions are anything but predictable.

Move from Tactical to Strategic

Escrow accounts have traditionally been treated as something to manage, not optimize. But with the right platform, they become a growth asset.

By removing operational complexity and adding relationship depth, ZEscrow turns commercial escrow into a source of long-term, profitable deposit growth.

• Reduce time spent on manual workflows
• Eliminate errors and operational risk
• Deepen high-value relationships across complex verticals
• Strengthen your institution’s ability to weather rate and margin pressure

A Smarter Path Forward

This is what it looks like to move from reaction to strategy.

To stop chasing deposit volume and start building it on your terms. To stop wondering about the cost of funds and start leveraging it.

ZEscrow is how certainty becomes a competitive advantage.

Schedule a demo with our team today.