One of the most important concepts to come out of the Promontory Network is the idea of reciprocal deposits, which allows the network to chop up a large deposits and distribute the funds among many small banks, stay within the government maximum and keeping the entire deposit on the books of the original bank. The FDIC's new 2016 rule that allows this category of deposits to now be considered under the definition of "core deposits" has lowered the cost of insuring these deposits for many small community banking institutions.