PM Banking Secrets & Trust Account Advice with Allison DiSarro

Nov 6, 2025

Allison DiSarro, Senior VP at Enterprise Bank & Trust, shares her expertise in property management banking. She dives into the importance of trust accounts and federal compliance, revealing how many banks mishandle these crucial funds. Discussing analysis banking, she explains its role as a compliant alternative to traditional interest rates. Allison also highlights the risks of frozen accounts due to misclassifications, emphasizing what property managers should ask their banks for protection. Her insights are essential for anyone navigating the complex landscape of property management finance.

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ADVICE

Always Hold Third-Party Funds In Trust

Do hold any funds that don't belong to you in a trust account, even if only for minutes.
Ask your bank to structure accounts to reflect fiduciary ownership, not as your corporate assets.

INSIGHT

Trust Accounts Produce Exceptionally Sticky Deposits

Property management trust accounts produce extremely sticky deposits that sit for long periods and recycle when units re-lease.
That cash makes property management an unusually attractive deposit source for banks.

ADVICE

Prioritize Federal Trust Compliance

Do prioritize federal trust-account compliance because it protects clients' funds beyond state licensing rules.
Use a bank experienced in federal structuring rather than relying only on state auditors' approval.

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In this episode of Peter Lohmann’s Podcast, I’m joined by Allison DiSarro, SVP of Property Management Banking at Enterprise Bank & Trust. We break down what every property manager really needs to know about trust accounts, FDIC protection, and compliance risks (yes, even if your state auditor says you’re fine).

Allison explains why most banks get this wrong, how “analysis banking” works (and why it’s not interest), and the real risk of having your accounts frozen due to liens or garnishments.

We also dig into how Enterprise structures its earnings credit program, why longevity matters more than flashy rates, and what to ask your bank to protect client funds.

Chapters:

(00:00:00) - Intro
(00:02:20) - Alison's journey into property management banking
(00:03:42) - The importance of sticky deposits in banking
(00:07:19) - Federal compliance in trust accounts
(00:08:14) - Challenges with state regulations and banking expansion
(00:10:08) - Why Enterprise Bank stands out in property management
(00:11:49) - Earnings credits and analysis banking explained
(00:16:50) - Sponsor - Second Nature
(00:18:21) - Setting earnings rates
(00:30:06) - Sponsor - Rentvine
(00:31:28) - Navigating state compliance and interest regulations
(00:35:17) - Understanding client trust accounts
(00:36:32) - Federal compliance and bank account structure
(00:37:23) - Key questions to ask your bank
(00:39:37) - Impact of governing entity liens and lawsuits
(00:41:09) - Challenges with bank compliance and account management
(00:45:25) - Recent changes in banking regulations
(00:46:32) - Finding the right bank for property management
(00:54:00) - Integrating technology with banking
(01:03:31) - AI's impact on banking and fraud
(01:06:15) - Conclusion and contact information

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