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Reduce collateralization, improving liquidity and returns.

Choose simplicity.

With IntraFi Network’s solutions, your bank can significantly reduce the tracking burdens and opportunity costs associated with collateralization. Your bank can use IntraFiSM Network DepositsSM to offer safety-conscious customers access to multi-million-dollar FDIC insurance, enabling it to provide protection without ongoing collateralization. For example, IntraFi Network Deposits is enabled for use by public funds in all 50 states as an alternative to collateral. 

It can also select from the wide array of IntraFi FundingSM solutions that provide cost effective wholesale funding, with no collateralization, lines of credit, or stock purchases required. Overall, choosing the simplicity of IntraFi Network’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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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 https://www.intrafi.com/network-banks. As provided in the applicable Deposit Placement Agreement, the depositor may exclude particular insured depository institutions from eligibility to receive the depositor’s funds.