deposit ceiling

USAGE SUMMARY

The phrase "deposit ceiling" is correct and usable in written English.
It can be used in financial contexts to refer to a limit on the amount of deposits that can be accepted by a financial institution or a regulatory limit on deposits. Example: "The bank has reached its deposit ceiling, and cannot accept any more funds until the limit is adjusted."

✓ Grammatically correct

News & Media

Academia

Human-verified examples from authoritative sources

Exact Expressions

5 human-written examples

The central bank considers the removal of the deposit ceiling as the most critical yet most risky move in interest rate liberalization".

The New York Times

The outlooks on the Baa2 foreign currency bond ceiling and Baa3 foreign currency deposit ceiling were also changed to negative, from stable.

The New York Times

The rise in the deposit ceiling, on the other hand, will help them retain depositors, who have become increasingly dissatisfied with the suppressed rates they receive.

The Economist

The ceiling on deposit rates and the floor under lending rates guarantee banks a fat margin, preventing competition for deposits and allowing big banks to maintain vast pools of money cheaply.If the deposit ceiling were lifted, small banks would offer juicier rates to take market share from incumbents.

The Economist

As long as the deposit ceiling remains in place, BofA's expansion strategy hangs on making its existing branches more productive.

Forbes

Human-verified similar examples from authoritative sources

Similar Expressions

55 human-written examples

The first boom was in the late 1960s, when the interest rates in the United States rose above deposit ceilings.

Yale University

Much of China's shadow-banking system serves merely to help banks evade deposit ceilings and lending guardrails.

The Economist

"Removing the lending rate floor is less meaningful than removing the deposit rate ceiling, but I think the latter will come too in the coming months".

The New York Times

Song Guoqing, an academic member of the bank's monetary policy committee, told the Shanghai Securities News that "no major moves on the deposit rate ceiling should be expected in the near term" given that, among other reasons, China still lacks a deposit insurance program.

The New York Times

They are mostly "deposits in disguise", as Standard & Poor's put it, offering yields one or two percentage points higher than the deposit-rate ceiling.

The Economist

Measurements of particle deposition in ceiling, walls and floor reveal that almost no coarse particles deposit on the ceiling, while all the deposited mass in the floor is due to coarse particles [25].

Heritage Science

Expert writing Tips

Best practice

When discussing financial regulations, specify the currency and context (e.g., country, type of account) to avoid ambiguity regarding the "deposit ceiling".

Common error

Avoid using "deposit ceiling" when you actually mean the limit covered by deposit insurance. The "deposit ceiling" refers to rate or amount limits, not the insured amount.

Linguistic Context

The phrase "deposit ceiling" functions as a noun phrase, typically acting as a subject or object in a sentence. Ludwig indicates that this phrase is grammatically correct and commonly found in financial and economic discussions.

Expression frequency: Uncommon

Frequent in

News & Media

60%

Academia

20%

Formal & Business

10%

Less common in

Science

5%

Encyclopedias

5%

Wiki

0%

Ludwig's WRAP-UP

The phrase "deposit ceiling" is a noun phrase that refers to a regulatory limit on deposit rates or amounts. Ludwig AI confirms its grammatical correctness, revealing that it is most frequently found in News & Media and Academic contexts. While not exceedingly common, the term is well-established and understood in financial discussions. When using the phrase, ensure clarity by specifying the context and currency. Alternatives such as "deposit limit" or "maximum deposit amount" can provide similar meaning.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

deposit limit

Replaces "ceiling" with "limit", a direct synonym indicating a restriction.

maximum deposit amount

Specifies the "ceiling" as a maximum amount for deposits.

deposit rate cap

Focuses on the upper limit of interest rates for deposits.

cap on deposit rates

Reorders the phrase while maintaining the focus on interest rate limits.

regulatory deposit limit

Highlights the regulatory aspect of the deposit limitation.

upper limit on deposits

Emphasizes the "ceiling" as an upper boundary for deposits.

deposit threshold

Uses "threshold" to indicate a boundary or limit for deposits.

maximum insurable deposit

Focuses on the maximum amount covered by deposit insurance.

deposit threshold

Uses "threshold" to indicate a boundary or limit for deposits.

restriction on deposit amounts

Broadly describes a limitation on the amount of deposits.

FAQs

What does "deposit ceiling" mean in banking?

In banking, a "deposit ceiling" refers to a regulatory limit on the interest rate or amount that can be offered or accepted on deposits. It's a form of financial control.

How does a "deposit ceiling" affect consumers?

A "deposit ceiling" can limit the interest earned on savings and potentially reduce returns compared to market rates. This may incentivize savers to seek alternative investment options.

What's the difference between a "deposit ceiling" and "deposit insurance limit"?

A "deposit ceiling" restricts deposit rates or amounts, while a "deposit insurance limit" is the maximum amount of deposits insured by a government agency like the FDIC.

What are some alternatives to saying "deposit ceiling"?

You can use alternatives like "deposit limit", "maximum deposit amount", or "deposit rate cap" depending on the specific context.