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A community investment that is great for banks and great for communities.

Earn CRA credit using services from IntraFi®​ 

When you deposit money in a community development financial institution (CDFI)1 or minority depository institution (MDI), you’re providing that bank with capital for future growth or funding that can be used to make local loans2, like small businesses loans that enable them to buy inventory and hire new employees, or a loan to a family that is looking to buy a house or support a first-generation college student.

These institutions provide financial services to economically disadvantaged neighborhoods. Bank with one, and your money can be used to advance social good.

Not only that, but thanks to the ICS® and CDARS®, you can make a difference while ensuring your deposits—even those significantly above $250,000 and into the nine figures—are eligible for full FDIC insurance with a participating bank of your choosing, and with similar risk to Treasuries and government money market mutual funds.

That’s right. You can be socially responsible without spending a dime.

Learn more.

Our partnership with Community Development Bankers Association.

The Banking on Communities initiative is a joint effort by IntraFi 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) and location (underserved communities), CDBA members often find their funding options limited and have fewer resources to devote to attracting deposits. Solutions provided by IntraFi and offered by CDBA banks to their customers have helped them to raise billions of dollars in deposits since the initiative's 2004 launch.

Half of our members rely on [IntraFi’s] services to attract deposits so they can make loans supporting community development in some of the most underserved urban neighborhoods and rural communities in the country. On average, the community development banks attract reciprocal deposits at four times the level of other community banks. That translates into loans to small businesses, loans for mortgages and home improvement, loans for revitalization projects—loans that otherwise would not be made.

Jeannine Jacokes

Chief Executive and Senior Policy Advisor for Community Development Bankers Association

Nearly $4 billion in socially responsible investments
placed in 2019.

IntraFi solutions helped CDFI banks attract nearly $4 billion in socially responsible investments (deposits) in 2019. Seventy-two percent of CDFIs and two out of three minority depository institutions (MDIs) are IntraFi network members.

Banks interested in learning more can email a member of our Treasury Desk or call (866) 776-6426, ext. 8553.

See a list of CDFI and CDBA institutions offering the ICS offering; institutions offering the CDARS offering; and minority deposit institutions (MDIs) offering ICS and CDARS.

[1] Community Development Financial Institutions include banks that dedicate the majority of their activities to serving economically distressed neighborhoods and those who otherwise lack access to traditional financial services. They are certified by the U.S. Treasury’s Community Development Financial Institutions Fund and provide credit and other financial services to underserved markets.

[2] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the IntraFi network, your bank can use the full amount of a deposit placed through IICS and CDARS for local lending, satisfying some depositors’ local investment goals or mandates.


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.