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Reduce collateralization, improving liquidity and returns.

Choose simplicity.

With services from IntraFi, your bank can significantly reduce the tracking burdens and opportunity costs associated with collateralization. Your bank can use ICS® and CDARS® from IntraFi to offer safety-conscious customers access to multi-million-dollar FDIC insurance, enabling it to provide protection without ongoing collateralization. For example, ICS and CDARS are enabled for use by public funds in all 50 states as an alternative to collateral. 

It can also select from IntraFi's wide array of funding solutions that provide cost effective wholesale funding, with no collateralization, lines of credit, or stock purchases required. Overall, choosing the simplicity of IntraFi’s collateral-reducing solutions for your banks’ balance sheet needs offers clear, cost-effective, profit-enhancing benefits. 

Put your bank’s funds to work for a higher purpose.

When your bank uses fewer assets as collateral, the funds previously tied up in those assets can be put to work for revenue-generating initiatives, like lending and investing in higher-yielding vehicles. This reduces the need to retain static or poorly performing assets that are subject to changing collateral values.

Save time, money, and resources.

It’s always nice to save more time and doubly nice when your bank can reduce costs and administrative burdens that affect profit potential. Both your customers and your bank’s back-office staff will appreciate the time and resource savings that are realized from reducing the burden of tracking collateral. For banks with sizable portfolios, the cost savings of reducing collateralization can be significant.

Simplify your operations and magnify profitability.

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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.