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IntraFi® Network DepositsSM — Empowerment at all levels.

IntraFi Network Deposits empowers institutions to increase profitability, grow franchise value, manage liquidity more easily, and serve customers better.

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ICS® Reciprocal, ICS® One-Way Sell®, CDARS® Reciprocal, CDARS® One-Way Sell®, IND®, and IND Reciprocal deposits are now IntraFi Network Deposits.


Solutions for every goal.

Whether you’re an institution looking to grow valuable relationships, a bank or brokerage firm seeking to attract high-value clients, or a fintech looking for attractive cross-selling alternatives, we can help. See the difference IntraFi Network Deposits can make for your organization.

Community Banks

  • Grow valuable relationships by offering access to expanded FDIC insurance (with or without keeping the underlying deposits on balance sheet)
  • Manage liquidity and generate fee income by selling excess deposits
  • Reduce collateralization, improving liquidity and returns
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Regional & Money Center Banks

  • Acquire large-dollar, LCR-friendly retail deposits, lowering opportunity costs associated with HQLA securities
  • Reduce collateralization of deposits, increasing your institution’s profitability and the liquidity of deposits of safety-conscious customers
  • Sell excess funds so that you can grow your client base without disadvantaging your balance sheet — and earn fee income in the process
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Brokerage Firms

  • Control fee revenue by gaining access to the largest funding and insured deposit capacities, the greatest reliability, and the most diversification opportunities
  • Attract high-value clients by providing full cash management programs with capabilities and capacities beyond those of traditional sweep providers, including the ability to fulfill nine-figure orders
  • Fund an affiliated bank — conduct traditional sweep programs at an unprecedented scale and channel lower cost funding to an affiliated bank
  • Offer brokered CD customers a superior alternative to traditional brokered CDs, and fulfill seven-, eight-, and even nine-figure orders with a single click
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Trust & Wealth Managers

  • Attract high-value clients by offering a wider variety of cash management solutions that help balance returns, safety, and liquidity
  • Provide customers with an alternative to money market mutual funds (MMMFs), particularly prime funds, which may no longer meet compliance requirements due to floating net asset value (NAV) rules and the possibility of MMMF liquidity gates and fees
  • Earn fee income, if applicable
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  • Partner with banks to offer deposit solutions
  • Capture greater value from your relationships through enticing, “sticky” products, while earning interchange fees
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  • Keep large deposits safe with access to millions of dollars in FDIC insurance through a single financial relationship
  • Earn interest at a rate set by the participating institution of your choice; rates often compare favorably to Treasuries and government MMMFs and avoid the risks associated with prime MMMFs
  • Support more lending in your local community or in underserved areas by keeping your deposits local with IntraFi's reciprocal offerings
  • Enjoy built-in transparency and peace of mind with simple, streamlined solutions and detailed reporting
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What Network members are saying about IntraFi Network Deposits:

[IntraFi Network Deposits] is a relationship-driven service that opens up the door where you’ve never gone before. Period.

Francis Hornung

Former Vice President and Sales Manager, Five Star Bank, NY

[Pricing] is something that doesn’t get spoken a great deal about when we’re looking at [utilizing reciprocal deposits like IntraFi Network Deposits]. You’re pricing these deposits and trying to win over these larger clients, but it’s on your terms rather than a wholesaler that says, ‘Well, this is the price for today—the all-in cost.’

Jim Di Misa

Former EVP and COO, Community Bank of the Chesapeake

In the network, you’re in good company.

We're committed to advancing our industry, and that applies to network members at all levels. Whether your bank needs marketing materials, extra help from client services, thought leadership articles, webinars, or a community for your top executives, we have it.


  • Member resources, including ready-to-use, downloadable materials to ensure that it's easy for your bank to market to its customers
  • Thought leadership content from those with a finger on the pulse of the industry
  • Interactive webinars on topics ranging from operational help to new opportunities for your bank, all from a tech-centric leader
  • Opportunities for CEOs, presidents, and CFOs to connect with other bank leaders in an online community created just for them and to get exclusive content and access to special events

IntraFi Network Deposits case studies

We’re endorsed by the ABA.


We’re an ICBA Preferred Service Provider.


Explore other products

IntraFi Funding

Purchase cost-effective wholesale or retail funding – deposits, not borrowings – all without the hassle of credit lines, collateralization, or stock purchases.

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IntraFi Yankee Sweep

Build and protect lucrative relationships by offering institutional customers daily liquidity, a return, and the safety of having their funds backed by U.S. Treasuries or by Agency MBS.

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Use of IntraFi Network Deposits and IntraFi Funding is subject to the terms, conditions, and disclosures in the program agreements, including the IntraFi Participating Institution Agreement. Limits apply and customer eligibility criteria may apply. A list identifying IntraFi Network insured depository institutions at which funds may be placed through IntraFi Network Deposits may be found at As provided in the applicable Deposit Placement Agreement, the depositor may exclude particular insured depository institutions from eligibility to receive the depositor’s funds.