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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 ICS® and CDARS®, that help members of our bank network easily manage their funding and liquidity needs. 

Using ICS and CDARS, 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 services from IntraFi, 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 IntraFi's 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 available through IntraFi.

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 ICS and CDARS 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,

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.