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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 Network] gives us options. We can either attract deposits and sell the excess to other banks [with IntraFi Network Deposits] or purchase funding through [IntraFi Funding]. 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.



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.