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Manage liquidity and generate fee income.

Largest bank network, more liquidity management possibilities.

IntraFi® has the scale to be a strategic partner for even the largest bank’s funding and capital management needs.  We offer flexible solutions, such as IntraFi® Network DepositsSM, that help members of our bank network easily manage their funding and liquidity needs. 

Using IntraFi Network Deposits, your bank can offer its customers access to multi-million-dollar FDIC insurance on funds placed in demand deposit accounts, money market deposit accounts, and CDs. If your bank is highly liquid, seeking to improve its liquidity coverage ratio (LCR), or earn additional noninterest income, it can elect to move deposits off balance sheet by selling excess deposits to network banks that desire funding. The size and scale of the network provides the highest per-depositor and per-bank capacity and makes it possible to make large-dollar placements every business day.

Say ‘yes’ to valuable relationships, and ‘no’ to unwanted liabilities.

With IntraFi Network Deposits, your bank can attract large-dollar, safety-conscious customers — such as corporations, financial institutions, and government entities — while moving billions of dollars of deposits off balance sheet to:

  • Build new relationships and continue building franchise value even during periods of high liquidity
  • Accept larger deposits than it otherwise might want without causing potential concentration problems
  • Avoid having to retain deposits that are negatively impacted by Liquidity Coverage Ratio (LCR) calculations

Increase profitably and enjoy flexibility.

The fee income earned from selling deposits to other banks in IntraFi’s network of banks can help your bank improve its return-on-assets and return-on-equity ratios. In addition, noninterest income can help maintain profit margins in a low interest rate environment.

When the market environment shifts or your bank’s balance sheet needs change, you can switch back to using the IntraFi Network Deposits reciprocal option and receive matching deposits, instead of fee income. Your bank can also tap into a diverse assortment of cost-effective wholesale funding options with IntraFi Funding.

A tool to invest your bank’s own funds.

Hundreds of financial institutions believe so strongly in its benefits that they place millions of dollars of their own funds in deposits through the product. When your bank chooses to invest its own cash balances, it not only enjoys multi-million-dollar FDIC insurance eligibility but can also earn returns and aid its risk-based capital management efforts. Funds placed using IntraFi Network Deposits are eligible to be zero-risk weighted.1 Enjoy the ease and convenience of this option and put your bank’s excess liquidity to work at potentially higher rates.


Let’s talk about how IntraFi’s solutions can help grow your bank’s profitability and franchise value.


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[1]Joint Statement from the federal banking agencies (Office of the Comptroller of the Currency, the Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of Thrift Supervision), “Clarification of the Risk Weight for Claims on or Guaranteed by the FDIC,” February 26, 2010,

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.