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Build relationships. Increase funding. Drive profitability.

At IntraFi®, we provide solutions that deliver the flexibility that financial institutions, their customers, and their communities need to thrive in today’s market. We are a trusted partner to nearly 3,000 of the nation’s banks, other financial institutions and most minority depository institutions. Our financial network is the largest of its kind, and the solutions we offer help our network participants build stronger customer relationships, fund more loans, seamlessly manage liquidity needs, and earn fee income.

Solutions for cash stewards of all sizes.

Enjoy one-stop shopping for tailored funding.

IntraFi is a leading provider of overnight and term funding options with better on/off-balance-sheet flexibility, higher capacity, and greater stability and reliability.

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Offer access to FDIC insurance into the millions.

Our patented processes help financial institutions give depositors the safety, transparency, control, and return potential they need. In addition, our solutions are used to boost relationships and cross-selling opportunities — with no disadvantage to the balance sheet.

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Keep money local.

 Using reciprocal deposits, financial institutions can keep money in their communities. No wonder we’re used by more than half of all U.S. banks and two-thirds of the nation’s minority-owned banks.


Focus on relationships, not transactions.

We partner with financial institutions and take a collaborative approach to helping clients of all sizes. We provide tools and offerings your institution can use to lead in your industry and community.

Community Commitment

Network with us.

Armed with banking and technological expertise, we’re here to do good for our clients, our communities, and our people. If you’d like to do the same, we’d like to hear from you.

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Gain from our experience.

Nearly twenty years ago, we started by believing a network of banks would benefit all. It has, it does, and there’s much more to come. See how our solutions can benefit your institution.

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Deposit placement through IntraFi’s deposit placement services is subject to the terms, conditions, and disclosures in the program agreements. Limits apply and customer eligibility criteria may apply. ICS program withdrawals may be limited to six per month for money market deposit accounts. Deposits are placed at destination institutions in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination institution. Using multiple destination institutions provides access to aggregate insurance amounts across institutions that are multiples of the SMDIA. Although deposits are placed at destination institutions in amounts that do not exceed the SMDIA at any one destination institution, a depositor’s balances at the relationship institution that places the deposits may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not an insured depository institution). The depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on deposits of its funds, the depositor is responsible for determining whether deposit placement through IntraFi’s services satisfies those restrictions. A list identifying IntraFi network banks may be found at The depositor may exclude particular insured depository institutions from eligibility to receive the depositor’s funds.