Ben Shoemake

Small business deposits are among the most valuable assets in banking—low-cost and relationship-anchoring. They are also increasingly under siege. Neobanks and platform-native financial services are targeting small business owners with digital-first experiences and seamlessly integrated tools that many traditional institutions still cannot match. The banks and credit unions winning the deposit battle in 2026 are competing not just on rate, but on speed, simplicity, and the genuine sense that their institution is invested in the success of the businesses they serve. This session delivers a practical, immediately applicable toolkit for winning new small business deposits and—more importantly—retaining the relationships you already have, including what is working right now, what has failed, and what every institution needs to do differently to stop losing ground.