The account is open. The money is gone.

$20 of every $100 in deposit balances left community banks in a single month. Not through closed accounts. Through ordinary transactions: card payments, loan payments, wealth transfers, deposit sweeps.

This is economic churn: the customer’s money moving to outside providers while their account at your bank stays open. Payroll moves to Gusto. Card spend goes to Amex. Excess cash parks at Fidelity. The account stays on the books. The revenue does not.

Inside the report: where the money is going, what leaves with it (interchange, interest, fees), and what to do about it.

*Based on 16.1 million transactions across 16 community banks, $2.5B average assets, January 2026.