Three years after the last recession began, gathering retail deposits is a game where every bank's a winner. Even the ones that don't want to be.

Data gathered by the deposit research firm Market Rates Insight shows that total deposits increased by a full trillion dollars in the 36 months preceding October, despite the steady plunge of rates paid in that same time frame. Historically considered to be elastic in supply, the quantity of deposits now entering the banking system appears to be insensitive to interest rates that banks offer.

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