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Deposit Solutions from IntraFi — Empowerment at all levels.

IntraFi's deposit solutions empower institutions to increase profitability, grow franchise value, manage liquidity more easily, and serve customers better.

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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's deposit solutions 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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Fintechs

  • 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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Depositors

  • 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 deposit solutions from IntraFi:

CDARS 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 Cash Sweep] or the CDARS services. 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

Case Stuides: Deposit solutions from IntraFi

Case Studies

The Customer Experience – COO/CFO Investment Advisory (Trust Accounts)

An investment advisory began working with clients that had qualified settlement funds (QSFs) that would not be released for between 1 and 3 years. The advisory has a responsibility to invest the settlement funds securely and set up an account in the client’s name.

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Case Studies

Help Build High–Value Relationships and Generate Fee Income

A community bank with assets of $500 million in the Northeast decided to use IntraFi Network Deposits to navigate this change in the funding environment. The increased availability of financial institution deposits has enabled the bank to build new customer relationships and...

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Case Studies

How One Bank Increased the Profitability of Public Fund Deposits While Giving Customers More

Deposits from public funds are becoming an increasingly important source of funding for many community banks as more government entities have been moving their deposits out of the country’s largest banks–a result of new LCR requirements affecting large institutions.

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We’re endorsed by the ABA.

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We’re an ICBA Preferred Service Provider.

Alliances

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Funding Solutions

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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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 https://www.intrafi.com/network-banks. The depositor may exclude particular insured depository institutions from eligibility to receive the depositor’s funds.