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On the program today, banks and their cash, oil and Venezuela, and fire departments, and private equity.

From American public media, this is Marketplace.

In Los Angeles, I'm Kyle.

It is Wednesday, today the 17th of December good, as it always is to have you along, everybody.

We're going to start with a little cause and effect today, or better actually, intended cause and effect.

This time last week, the Federal Reserve, as you know, announced its third interest rate cut of the year.

Those cuts, generally speaking, make borrowing money cheaper and at the same time make saving money less lucrative that intended net effect of which is that people and companies spend money

and to boost the economy. It is a little strange then that according to a report from the

Federal Deposit Insurance Corporation, while the Fed's been cutting rates, bank deposits have actually

been growing. Marketplace's Justin Ho looked into why that's happening and what banks have been

doing with those deposits that they are getting. At Sunrise Banks in Minnesota, deposits started

picking up about a year ago. CEO David Riling says as the year has progressed,

we're seeing a more steady increase in terms of both consumer and small business deposits coming back into the bank.

Riling says back when interest rates were rising, over the previous few years, many

customers moved their money out of their checking and savings accounts and parked it in other

investments, offering higher yields, including money market accounts and stocks. But now that

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