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Acquire LCR-friendly deposits.

Convenient options to improve your bank’s liquidity coverage ratio.

With services from IntraFi®, your bank can more effectively manage liquidity, moving deposits with higher outflow rates off balance sheet and receiving deposits with lower outflow rates on balance sheet. Here’s how: Your bank can exchange higher-outflow-rate deposits for lower-outflow-rate deposits from other network banks (using the reciprocal option). Or, it can sell higher-outflow-rate deposits for fee income (using the One WaySM option). Both choices can help your bank to improve its LCR.

Reciprocal Deposits

  • Keep the customer relationship but exchange customer deposits for other deposits that potentially have a lower outflow rate.
  • Most reciprocal deposits are treated as core deposits up to the lesser of $5 billion or 20% of liabilities for a well-capitalized bank.
  • Reciprocal deposits arrive in large chunks (six, seven, eight, or even nine figures at a time) that are eligible for multi-million-dollar FDIC insurance.
  • No collateralization is needed.

One Way

  • Sell deposits that have a higher outflow rate.
  • Maintain ownership of the customer relationship, selling only the underlying funding.
  • Earn fee income.
  • No collateralization is needed.

Banks that want funding can also buy deposits with a lower outflow rate.

Lower opportunity costs associated with HQLA securities.

By lowering its net cash outflow amount, your bank can reduce the amount of High Quality Liquid Assets (HQLA) it is required to keep on balance sheet. It can invest funds previously tied up in HQLA securities in potentially higher-yielding loans and leases, growing profitability and net interest margins in the process


An Illustrative Case Study

Contact us to learn more about how IntraFi can help your bank strategically grow its balance sheet.


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The illustrative case study is for information purposes only and is based on the stated assumptions. Actual results will vary.
1. Assumes that all the reciprocal deposits are classified as reciprocal brokered deposits under the LCR rule.
2. Assumes 275 bps spread between new loan and lease yields and weighted average HQLA portfolio yield.
3. Represents fee paid to IntraFi. Fee subject to change.
4. Assumes equity / assets ratio of 9% for illustrative purposes

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.