What 30 California banks have in common
30 banks across California are already part of NBID, the bank-owned reciprocal deposit network. Here is where the California network stands today and what’s coming next.
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31% of California deposits are at NBID member banks† | 26% of California banks are NBID member banks | |
$168B Total California Member Assets† | $21B Reciprocal Deposits Held On California Member Banks’ Balance Sheets† | |
Represents NBID network as of November 2026.
† As of 2026 Q2 FFIEC Call Reports.
NBID’s 2–5 bps pricing means significant savings you can reinvest in your bank. |
From portal branding to real-time transaction handling, we keep building for the needs of our member banks and their depositors. | |||||
Your Regional Director is an extension of your team, from onboarding to deposit targets and ongoing sessions focused on your goals. |
Unlike legacy networks, NBID is owned by its member banks, who are eligible for a profit share and form the majority of the Board. | |||||
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“The Regional Director made herself available on short notice and provided the customer exactly what they were looking for. We were super happy to be able to keep those funds with the help of NBID.” Tony Rodriguez
SVP of Operation Solutions, Mission Valley Bank
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On the network economics “The economics were important for us. This is critical to the success of Zions Bancorporation.” Frank DiPuma EVP, Director Enterprise Commercial Products, Zions Bank |
On the network transition “Their money moved, they got logged in, and there was no feedback. It was just a non-event. We changed from one vendor to another. It was surprisingly easy.” Doug Ladenburger Director of Treasury Management Services, Northrim Bank |
Your bank on the depositor portal Put your logo and colors on the portal your reciprocal customers use. They see your bank, not a network. Learn more → | Same-day interest for your depositors NBID has moved reciprocal accrual from T+1 to T. Depositors at member banks now earn interest the day they deposit, not days later. Read the release → | Move your book, step by step A guided workflow for moving your reciprocal book to NBID, with every account’s status in one view. Learn more → |
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 | We’re coming to California in 2027. |
NBID is currently planning our network event stops for next year. If you’d like to join us alongside other California bankers, let us know.
Count me inYour California team is one email away.
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*NBID LLC is not a bank. Deposit insurance covers the failure of insured institutions, not NBID. Deposits are placed at FDIC-insured network institutions and are eligible for pass-through insurance up to $250,000 per institution. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. A list of participating banks appears at https://www.nbid.com/bank-list.
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