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We're banking on communities.

Keep your money safe, earn a return, and help undeserved communities.

The Banking on Communities initiative is a joint effort by IntraFi NetworkSM and the Community Development Bankers Association (CDBA) to help CDBA member banks raise funds that can be used to increase lending in underserved communities. The CDBA is a national trade association of the community development banking industry and was established to help its members better meet the credit needs of their communities. Because of their size (small), age (young), and location (underserved communities), CDBA members often find their funding options limited and have fewer resources to devote to attracting deposits. IntraFiSM Network DepositsSM (formerly ICS®, the Insured Cash Sweep® service, and CDARS®), provided by IntraFi Network and offered by banks to their customers, have helped CDBA banks to raise billions of dollars in deposits since the launch of this initiative in 2004. 

Banking on Communities graphic

See what others are saying.

By utilizing [IntraFi Network Deposits], CDBA member banks have successfully gathered deposits to help underserved communities. These services help the banks to offer their customers access to multi-million-dollar FDIC insurance, which raises customer comfort levels in a way that leads to more deposits for banks in distressed areas―which, in turn, can increase funding available for lending initiatives in economically challenged cities and towns.

Jeannine Jacokes

Chief Executive and Senior Policy Advisor Community Development Bankers Association

[IntraFi] has provided, if you will, a wonderful tool for us to fund the expansion of the bank. As we grow the scale of the bank, what we do is grow our capability, our capacity, to be able to lend back into the community. And that’s what it’s really all about, so that we can lend back into the community and really make a difference with these underlying businesses.

Brian Argrett

President & CEO, City First Bank of D.C.

How IntraFi Network Deposits can help.

When you work with a participating CDBA bank to place funds through IntraFi Network Deposits DDA, MMDA, and CD offerings, the full amount of your deposit is eligible for FDIC insurance - even amounts exceeding the standard FDIC insurance maximum of $250,000 (though limits do apply) - and can be made available for lending initiatives in economically distressed communities. These initiatives can include producing affordable housing, financing small businesses, creating jobs, and expanding neighborhood facilities that provide much-needed services for low-income families.

You can benefit, too.

Earn a Return Earn interest on funds placed into demand deposit accounts, money market deposit accounts, and/or CDs.

Enjoy Peace of Mind Rest assured knowing that your funds are eligible for multi-million-dollar FDIC insurance―protection that is backed by the full faith and credit of the federal government. No one has ever lost a penny of FDIC-insured deposits.

Feel Good About the Difference You Are Making Know that the full amount of your funds placed through IntraFi Network Deposits can support lending opportunities that create a brighter future for others.1

How IntraFi Network Deposits Works


All CDBA banks are Community Development Financial Institutions (CDFIs). When you deposit funds into IntraFi Network Deposits through a participating CDFI, everything is handled through that CDFI.

That CDFI uses IntraFi Network Deposits to place funds into DDAs, MMDAs, and CDs with other banks that offer this product. This occurs in increments <$250,000 so that both principal and interest are eligible for FDIC insurance.

By working directly with just one institution, you can access coverage from many. You receive just one regular statement per service or service option utilized, and your confidential information remains protected.

5 easy steps to get started;

Insured Cash Sweep

  1. Sign an ICS Deposit Placement Agreement.2
  2. Identify an existing transaction account or establish a new transaction account to be used with ICS.
  3. Your funds are placed into deposit accounts at other ICS participating banks.
  4. See where your funds are at all times by using online tools specially developed for ICS.
  5. Receive one monthly statement from us summarizing your account activity and balances across institutions.


  1. Sign a CDARS Deposit Placement Agreement and deposit funds.2
  2. Your funds are placed using the CDARS service.
  3. Your CDs are issued by banks in the CDARS Network.
  4. Receive confirmation from your bank of your CDs.
  5. Receive consolidated interest payments and one monthly statement.