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IntraFi® Network DepositsSM for community banks.

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

With IntraFi Network Deposits solutions, your community bank can connect on a national scale while staying connected to its local purpose. Thousands of financial institutions across the nation, including a majority of all U.S. banks, have thoroughly tested and embraced IntraFi Network Deposits. To support its efforts to grow franchise value, increase profitability, and manage its balance sheet, your community bank can use IntraFi Network Deposits to provide its customers with easy access to multi-million-dollar FDIC insurance for funds placed into demand deposit accounts, money market deposit accounts, or CDs. And, it can keep or sell the underlying funding.

Build relationships, manage liquidity, and reduce collateralization burdens.IntraFi Network Deposits helps community banks like yours to

  • Attract large-dollar, low-cost deposits from local, safety-conscious customers, such as businesses, public funds, and nonprofits, who might otherwise bank elsewhere

  • Grow relationships regardless of liquidity position — your bank can quickly gain valuable customers that appreciate the safety, returns, and convenience provided by IntraFi Network Deposits and then can use the full amount of the deposits to fund loans or sell the funding (not the relationship) for fee income; plus, your bank can switch back and forth between keeping and selling deposits as its liquidity needs change

  • Replace higher-cost funding (e.g., repurchase sweeps and letters of credit), reduce collateralization requirements, and repurpose funds previously invested in collateral into higher-earning assets

How IntraFi Network Deposits works.


Institutions that offer IntraFi Network Deposits solutions are members of IntraFi’s network of banks. When your bank places a customer’s deposit using IntraFi Network Deposits, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000 and is placed in deposit accounts at other banks that participate in the network (making the deposit eligible for FDIC insurance). As a result, the customer can access coverage from many institutions while working directly with just your bank, a bank it already knows and trusts. The customer communicates only with your bank and receives just one regular statement from your bank.

Enjoy balance sheet flexibility.IntraFi Network Deposits can help your community bank manage its liquidity.

Your bank can use IntraFi Network Deposits solutions to receive reciprocal deposits, on-balance-sheet funding that your bank can use to grow its franchise value. When using IntraFi Network Deposits on a reciprocal basis, your bank places its customer’s funds and receives matching deposits. Your bank sets the rate your customer receives. Most reciprocal deposits are considered core deposits, not brokered. Reciprocal deposits can be less expensive than other deposits, including brokered deposits, collateralized deposits, and listing-service deposits.

Alternatively, when using IntraFi Network Deposits on a One WaySM basis, your bank can sell its excess deposits for fee income (instead of receiving matching deposits). Your bank maintains ownership of the customer relationship, selling only the underlying funding. One Way can help your bank to add large-dollar customer relationships without increasing concentration risk and to maintain a consistent presence in the market without causing balance sheet management problems.

High marks for IntraFi Network Deposits.

IntraFi Network Deposits receives high marks from banks of all sizes. In a survey of members of IntraFi’s network of banks (conducted with help from a third-party provider), more than 80% of respondents agreed that IntraFi Network Deposits (Reciprocal and One Way options) are “key” to their growth. What’s more, 100% of respondents were satisfied with their IntraFi Network experiences.

What bank leaders say.

With great success, we are selling IntraFi Network Deposits to our large-deposit clients as a retention vehicle, as well as using [IntraFi Network Deposits] to lower cost of funds and attract new deposit business.

John Calpey

Executive Vice President and Chief Operating Officer, Old Florida National Bank, FL

With [IntraFi Network Deposits], we compete by having the opportunity to offer a valued product that offers security to our depositors who want to earn interest. A community bank may be well-known in the community but often must compete with the global banks that may have more notoriety and the perception of greater financial strength.

Patti H. Judson

Executive Vice President and Chief Operating Officer, Bank of Ann Arbor, MI

We signed up for [Intra Network Deposits] for three key reasons. First and foremost, it fills a need of our customers by providing them with flexible funds that are eligible for FDIC insurance. Second, it lets us keep those funds on our balance sheet, which gives us the dollars to lend into our communities. Finally, we have been long-time users of other [aspects of the product]. We and our customers have come to trust the quality and professionalism of [IntraFi].

James O. Donnelly

Executive Vice President Bangor Savings Bank, ME

Many of our solutions are endorsed by the ABA


We are an ICBA Preferred Service Provider


Discover why community banks choose IntraFi Network Deposits.

See How We Differ

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.