The 2025 Commercial Account Analysis Benchmarks offers corporate treasurers top-tier fee benchmarks and valuable insights into bank pricing structures and profitability, enabling fair and effective bank relationship management.

These benchmarks are offered in partnership with Treasury Strategies, a division of Curinos through the NDepth bank fee analysis solution. The underlying benchmark data is from over 70,000 anonymized account analysis statements processed through the NDepth application. In purchasing this report, you gain access to average and median price points for 75 common treasury management services, detailed industry analytics, volume-based all-in price benchmark curves, practical strategies to help you improve your bank fee position and more.

Optimize your costs and strengthen your bank relationships with these essential benchmarks. Learn more about what's included:  

• Bank Fee Analysis Trends
• Using The Benchmarks
• All-In Benchmarks
• Balance Benchmarks
• Industry Insights
• Ways To Save

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BANK FEE ANALYSIS TRENDS

The corporate treasury industry is adapting to high interest rates and bank stability concerns, prompting a renewed focus on cash forecasting, deposit optimization and managing rising bank fees. Even with potential rate cuts ahead, corporate treasuries must prioritize cash management fundamentals and carefully monitor bank fees and cash deployment strategies. 

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USING THE BENCHMARKS

Service line-item benchmarks are useful for evaluating bank pricing but must be used carefully to avoid misleading conclusions. They can be limited because they don’t account for:  

• Differences in bank pricing schemes
• Economies of scale
• The overall bank relationship

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ALL-IN BENCHMARKS

Banks' inconsistent pricing schemes can make line-item benchmarks challenging and potentially misleading. To mitigate this, corporate treasuries can evaluate pricing using all-in pricing by major product families. 

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BALANCE BENCHMARKS

For the first time since 2011, U.S. corporate treasurers have a strong incentive to shift balances from ECR accounts to interest-bearing accounts, potentially earning 250+ basis points on deposits. While this move can boost yields without added risk, it may also impact taxes, budgeting and forecasting when paying bank fees directly with hard dollars.

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INDUSTRY INSIGHTS

Betas represent the percentage of a Fed funds rate increase reflected in deposit yields. With recent rate hikes, treasurers are noting the low betas in commercial demand deposit accounts, prompting a shift of balances from ECR DDAs to higher-yield instruments.

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WAYS TO SAVE

To minimize cash management fees, organizations should follow best practices such as issuing RFPs for bank services every 3–5 years and negotiating relationship pricing based on the full organization, achieving a single unit price per service.

Effective fee management also requires:

• Technology to monitor billing for errors
• Ensure negotiated pricing is applied
• Support balance optimization by tracking excess cash, net effective rates and yields

Published December 19, 2024

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