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Reduce collateralization, improving liquidity and ROA.

ICS® and CDARS® deposit products are now IntraFi Network Deposits.

Through IntraFi Network Deposits, 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 


  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

[IntraFi Network Deposits] 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.



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.