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Reduce collateralization, improving liquidity and ROA.


Through IntraFi's deposit solutions, banks can offer access to multi-million-dollar FDIC insurance. Such access enables institutions to attract and retain large-dollar, safety-conscious customers without having to hold Treasuries or securities as collateral. This can increase profitability and asset liquidity while reducing tracking costs and enabling funds previously tied up in collateral to be deployed at a higher yield.

Funding comparison 


  IntraFi's Solutions Collateralized Deposits
Help build large-dollar, local customer relationships
Are uniformly free of ongoing collateralization requirements and tracking burdens  
Provide balance sheet flexibility  
Consistently enhance franchise value  
Can replace higher-cost funding, like letters of credit and repo sweeps, and improve profitability  
Can free up funds previously tied up in collateral for alternate uses, increasing revenue potential and asset liquidity and lowering the risk of collateral deterioration  

What bank leaders say.

We enjoy being able to replace repos and letters of credit, as well as reducing our need for collateral, with [IntraFi Network Deposits].

Chris Huss

Capital Markets Director, CoBiz Bank, CO

CDARS is the perfect match for us and our public fund customers. It can eliminate the need for deposit collateralization, which frees up our time, frees up their time, and reduces everyone’s administrative tracking costs. It also allows our previously restricted funds to work harder and for their funds to be channeled back into the local community. We all win.

Russell L. Reinert

Chief Financial Officer, Central Bank and Trust Co., KS

In 2008, we were very tight on managing our collateral for public funds. Local municipalities were able to provide larger amounts of deposits but required protection. Prior to [IntraFi’s] products, we had hard thresholds and a difficult time retaining and originating these relationships. As we continue to see growth of our balance sheet, [IntraFi’s] products will be important to taking care of certain customers. I think our success allows us to serve that mission better.

Jim McCarty

Chief Administrative Officer, Bank of Clarke County

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.