About
Practitioner-built. Independent on purpose.
Bank Agnostic was founded by Courtney Keesee, whose career spans enterprise treasury management, banking, payment integrations and financial technology.
Courtney Keesee has spent much of his career at the intersection of banking, technology, and the businesses that depend on both—often during the moments when the financial system itself was being fundamentally reshaped.
His career unfolded through the 2008 financial crisis and the historic integration of Wachovia into Wells Fargo; the rise of APIs, financial technology partnerships, and real-time payments; the unprecedented operational demands of COVID-19; and the transformation of liquidity, interest-rate, and treasury risk management that accompanied the failures of Silicon Valley Bank and other institutions in 2023.
Across Wachovia, Wells Fargo, Fifth Third, U.S. Bank, and JPMorgan Chase, he worked directly with the complexities behind those transformations—from modernizing financial operations and connecting fragmented technologies to supporting organizations responsible for billions of dollars in financial activity.
Those experiences revealed a recurring truth: the greatest limitations in financial infrastructure are often not technological. They are institutional.
Businesses are too often forced to adapt to the limitations of their banks, technology providers, and systems that were never designed to work together.
He believes it should be the other way around.
But his perspective wasn't shaped by boardrooms alone.
Having experienced homelessness as a teenager and later navigating profound changes in his own health and career, Courtney understands what it means to confront systems that make opportunity unnecessarily difficult to access—and how much human potential is lost when those systems fail to adapt.
Those experiences shaped a conviction that runs through his work: complexity should never be mistaken for value, and the people who depend on a system should not have to bear the burden of its limitations.
Bank Agnostic is an expression of that philosophy—bringing institutional experience, independent thinking, and emerging technology together to help organizations regain choice, flexibility, and control.
Because the future of financial infrastructure shouldn't be defined by the institution you choose.It should be defined by what you're trying to accomplish.
Shaped by how financial systems change, and why they must keep changing.
2008–09
Crisis and consolidation
The global financial crisis reshapes the industry. Wells Fargo acquires Wachovia, and two large banks begin a multi-year integration of their systems and operations.
2010s
APIs and fintech
Bank APIs, fintech partnerships and vendor integrations multiply. Treasury systems modernize, and so does the number of connections every company has to maintain.
2017+
Real-time payments
Faster payments arrive in the U.S.: The Clearing House launches the RTP network in 2017. Expectations move from overnight files toward instant settlement.
2020–21
Pandemic operations
Remote operations, liquidity strain and digital-first processes test every assumption about how treasury work gets done.
2022–23
Rates and bank failures
Interest rates rise rapidly from 2022. In 2023, Silicon Valley Bank and other institutions fail, and how much a company depends on a single bank becomes an urgent treasury question.
Today
Bank-agnostic infrastructure
ISO 20022 is reshaping payment data: Swift's coexistence period ended in November 2025, and structured addresses are required from 14 November 2026. The opportunity now is independent, interoperable, bank-neutral infrastructure.
ChronologyIndustry context, not a list of roles. Select an era.
The people best placed to help usually have something to sell.
Companies add banks for good reasons, then find themselves tied to each one by formats, portals and pricing they can't easily see. The people best placed to help usually have something to sell. Bank Agnostic exists to be the exception.
Written over meetings
Reviews are document-based, so your team spends hours on them, not weeks.
Small on purpose
We take on a limited number of reviews at a time so each one gets full attention.