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ICS® and CDARS®
Access millions in FDIC insurance through a single, local bank relationship.
All from a bank you already know and trust.
Rest assured. Know that deposits well into the millions are eligible for FDIC insurance protection.
Earn interest. Put cash balances to work in savings accounts, money market accounts, and CDs.
Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds.
Manage liquidity. Enjoy access to funds placed into money market deposit accounts. With CD placements, select from multiple terms to meet your liquidity needs.(1)
(1) Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks/. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.
Learn how ICS and CDARS work.