Skip to main content

IntraFi deposit solutions for regional & money center banks.

When your institution chooses deposit solutions from IntraFi®, 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. Deposit solutions from IntraFi 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 ICS® and CDARS® from IntraFi, 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 deposit solutions from IntraFi are members of IntraFi’s network of banks. When your bank places a customer’s deposit using ICS or CDARS, 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 IntraFi's 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's deposit soltuions makes it possible for your bank to acquire LCR-friendly retail deposits more easily. With the the 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 ICS and CDARS offer 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 deposit solutions from IntraFi your bank can not only improve profitability, but also increase asset liquidity and lower the risk of collateral-value deterioration.

High marks for IntraFi.

Thousands of banks across the nation use deposit solutions from IntraFi, 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 ICS AND CDARS (reciprocal and One WaySM options) are “key” to their growth. What’s more, 100% of respondents are satisfied with their IntraFi experiences.

ICS, CDARS, and IntraFi Sweep are endorsed by the American Bankers Association.


We are here for your bank.

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


Contact Us

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.