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Solutions that encourage efficiency and profitability.

We invented reciprocal deposits and are the #1 provider of reciprocal deposit solutions. But our innovation hasn’t stopped there. We offer an all-weather portfolio of liquidity management tools to help cash stewards enhance their ability to keep customer cash safe and reduce the associated costs.

Our solutions help organizations keep customer money secure, manage cash balances, and increase profitability in ways that are too difficult or too costly for any to achieve on their own.

Community Banks

Attract large-dollar relationships, grow reciprocal deposits, manage liquidity and earn fee income, diversify funding, and reduce collateralization.

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Regional & Money Center Banks

Diversify funding, acquire LCR-friendly deposits, reduce collateralization, and manage liquidity and generate fee income.

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Brokerage Firms

Control fee revenue, attract high-value clients, fund an affiliated bank, and offer a superior alternative to traditional brokered CDs.

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Trust & Wealth Managers

Partner with banks to offer valuable clients flexible cash management solutions that help balance returns, safety, and liquidity.

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Partner with banks to grow revenue and broaden customer relationships by offering deposit solutions.

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Work with a financial institution you know and trust to get cash management solutions that help balance safety, liquidity, and returns, and access the largest per-depositor, per-bank FDIC eligibility available through a single relationship.

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Relationships. Funding. Profitablility.®

All your funding needs. All in one network.

Based on its diversification and size, our network provides one-stop shopping, lowers costs, and increases returns to our members versus what they would achieve on their own or from other solutions.

No institution too big, or too small.

IntraFi has the scale to be a strategic partner for small- or large-bank funding and capital management needs along with the perspective and high-touch service for institutions of all sizes.

Our greatest success is our clients’ satisfaction.

We define success not by the volume of transactions we enable, but by the quality of relationships we form.


What bank leaders say.

Because we are a member of [IntraFi’s network of banks], we have an opportunity to generate fee income on deposits we are not using for lending when loan demand is slack.

Phil Guarnieri

CEO, Empire State Bank

I was told awhile ago that I’d be the last president here — that the bank would have to sell due to regulatory pressures and constraints on earnings. To survive, we needed to grow. In a perfect world, you use core deposits; but core deposits and the loan demand sometimes don’t flow at the same time. So we use [IntraFi] to fill in the gaps. It allows us to leverage the capital we have to grow.

John Milleson

President/CEO, Bank of Clarke County

We love that [IntraFi] gives us options. We can either attract deposits and sell the excess to other banks with One-Way Sell or purchase funding through One-Way Buy. This is especially helpful in today’s regulatory environment.

Gray Flora

EVP/Investment Officer, BankFirst, MS

We’re endorsed by the ABA.


We’re an ICBA Preferred Service Provider.


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.