Ask any bank investor, and they will tell you that deposits are one of, if not the most, important thing to evaluate when looking at any bank stock.

Over the past couple of years, it may not have seemed that way because interest rates at the start of this year were at practically zero, which made funding extremely cheap. Funding was plentiful because the Federal Reserve up until recently had been pumping trillions of dollars of liquidity into the economy, which helped boost bank deposits. 

But now the Fed is unwinding its balance sheet and effectively pulling liquidity out of the economy, which will lead to a decline in deposits across the banking system. This makes sticky, low-cost deposit bases very valuable again. Let's take a look at which large U.S. bank has the best deposit franchise.

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Source Fool.com