The amount of cash your startup should keep in the bank has become an important question since interest rates start rising. Your bank wants you to keep as much as possible with them, but they may not be offering competitive rates. If you have a loan or letter of credit, you may be required to keep a certain amount in the bank you borrowed from. It’s often specified in your term sheet. But we are seeing more startups negotiating with banks, and asking if they can keep 50 or 75 percent of their funds in the bank, rather than 100 percent.