Skip to main content

IntraFi® Network DepositsSM for regional & money center banks.

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

When your institution chooses IntraFi Network Deposits, it joins forces with the #1 provider of FDIC-insured deposit solutions. IntraFi offers the highest per account and per bank deposit placement capacity and the ability to make large-dollar deposit placements every business day. IntraFi Network Deposits can help your institution grow LCR-friendly deposits and foster smart balance sheet management.

Think big customer relationships, with or without big balance sheet growth (you choose).

With IntraFi Network Deposits, your bank can offer its customers access to FDIC insurance on multi-million-dollar deposits placed in money market deposit accounts, demand deposit accounts, and CDs — through a single bank relationship.

Institutions that offer IntraFi Network Deposits 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 network banks (making the deposit eligible for FDIC insurance). As a result, your customer can access coverage from many institutions while working directly with just your bank. The customer communicates only with your bank and receives just one regular statement from your bank.

Your bank can choose to keep the full amount of deposits on balance sheet using a reciprocal deposits option, or sell the deposits for fee income, and switch back and forth as its liquidity needs dictate. If your bank has a brokerage firm affiliate that offers the IntraFi Network Deposits sweep option to its clients, your bank can also gain retail deposits by receiving the equivalent amount of funds swept from its brokerage firm affiliate to network banks as reciprocal deposits.

Grow LCR-friendly retail deposits.

The flexibility provided by IntraFi Network Deposits makes it possible for your bank to acquire LCR-friendly retail deposits more easily. With the IntraFi Network Deposits reciprocal option, your bank can exchange deposits associated with higher outflow rates for deposits that may have a lower outflow rate. And, it has the option to sell deposits that it does not want to keep on balance sheet for fee income, potentially improving its liquidity coverage ratio.


Replace higher-cost funding and put collateralized deposits to more productive uses.Since IntraFi Network Deposits offers access to multi-million-dollar FDIC insurance, your bank can forego ongoing collateralization, saving time and resources. This is especially valuable in today’s sustained low-interest-rate environment, where buying new securities creates a greater potential for duration and interest rate risk — perhaps more than ever before. In general, collateralizing deposits is an expensive proposition due to opportunity costs incurred when buying and holding Treasuries (or similar highly liquid assets) with funds that could have been used for more productive, revenue-generating initiatives, like local lending. By replacing collateralized deposits with IntraFi Network Deposits, your bank can not only improve profitability, but also increase asset liquidity and lower the risk of collateral-value deterioration.

High marks for IntraFi Network Deposits.

Thousands of banks across the nation use IntraFi Network Deposits, which received 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 WaySM options) are “key” to their growth. What’s more, 100% of respondents are satisfied with their IntraFi Network experiences.

IntraFi Network Deposits is endorsed by the American Bankers Association.


We are here for your bank.

IntraFi  team of professionals focused on regional and money center banks, including people experienced with integrating IntraFi Network Deposits with back-office systems, are available to answer questions and to help your bank get started using IntraFi Network Deposits.


Contact Us

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.