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Earnings credit rates, or ECR for short are attractive because they offset service charges by generating a credit on non-interest bearing accounts. That credit can be applied against Treasury Management services that typically incur fees. Sterling’s Property Management Banking division is a national practice area for the bank, and frequently consults with clients on ECR programs.
The earnings credit rate allowance is not a new banking tool, but it can have a major impact on profitability for Property Management Companies. In this white paper, we provide a brief overview of how these programs work and share five strategies that can help Property Management Company owners and CFOs to “think differently” and use ECR to enhance efficiency and profitability.