Ceto and Associates specializes in revenue enhancement solutions designed to increase revenue for financial institutions. Our signature revenue enhancement solutions include:

• Deposit Reclassification, which reduces your non-interest earning reserve requirement at your local Federal Reserve Bank,
• Ceto Cash Calculator (C³), a web-based cash management system to optimize branch cash levels consistent with customer needs, and
• CheckMate, a courtesy overdraft program for your qualified customers.

Ceto and Associates' Consulting Services Group (CSG) examine products and services across all business lines. The implementation of CSG magnifies the revenue enhancement potential from all sources of your institution.

We use a six-step, time-focused, collaborative project approach to improve your financial institution’s revenue streams. Through this approach, we are able to identify and create an implementation environment that not only guarantees revenue improvements, but also uses a monitoring system to ensure continued benefits year after year for our clients.

Our solutions are implemented through slight modifications to existing products and procedures as opposed to major strategic changes within the institution.

More than 1,500 financial institutions nationwide have implemented cost efficient revenue enhancement strategies. Every client has experienced an increase in revenue and profitability, some by more than 15% annually.

Ceto and Associates’ objective is to optimize our client’s financial growth through revenue enhancement ideas today and in the future.