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IntraFi® deposit solutions for community banks.

With deposit solutions from IntraFi®, 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 solutions from IntraFi. To support its efforts to grow franchise value, increase profitability, and manage its balance sheet, your community bank can use ICS® and CDARS® from IntraFi 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.Deposit solutions from IntraFi help 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 deposit solutions from IntraFi work.


Institutions that offer ICS and CDARS are members of IntraFi’s network of banks. When your bank places a customer’s deposit using these services, 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 can help your community bank manage its liquidity.

Your bank can use deposit solutions from IntraFi to receive reciprocal deposits, on-balance-sheet funding that your bank can use to grow its franchise value. When using these services 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's deposit solutions 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 ICS and CDARS.

Deposit solutions from IntraFi 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 deposit solutions from IntraFi (Reciprocal and One Way options) are “key” to their growth. What’s more, 100% of respondents were satisfied with their IntraFi experiences.

What bank leaders say.

With great success, we are selling ICS to our large-deposit clients as a retention vehicle, as well as using ICS 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 ICS, 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 ICS 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 deposit solutions from IntraFi.

See How We Differ

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.