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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Insured Cash
Sweep & CDARS

Insured Cash Sweep & CDARS

Multi-Million-Dollar FDIC Protection

With ICS® and CDARS®, you can enjoy peace of mind knowing your deposits are protected with multi-million-dollar FDIC coverage. Whether you're saving in demand deposit accounts, money market accounts, or CDs, we’ve got you covered – all through our trusted bank.

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Why ICS?

You can access multi-million-dollar FDIC protection on your deposits, earn interest, and enjoy flexibility—all through ICS®, the IntraFi® Cash Service. With ICS®, you can:

  • Rest assured – Make large deposits eligible for FDIC protection, backed by the federal government.
  • Earn interest – Put excess cash into demand deposits or money market accounts.
  • Save time – Work directly with our trusted bank and receive one monthly statement summarizing your activity.
  • Access funds – Enjoy unlimited withdrawals from demand accounts or up to six monthly withdrawals from money market accounts.
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Why ICS?

Why CDAR?

CDARS is one of the safest, smartest options for investors looking to protect their large-dollar deposits while earning CD-level returns. With CDARS, you can enjoy:

  • Multi-million-dollar FDIC insurance – Protect your deposits with the full backing of the federal government.
  • One trusted relationship – Work with us easily, earning one rate per maturity and receiving consolidated statements.
  • No collateralization worries – Eliminate the need for ongoing collateral tracking, as CDARS deposits are FDIC-insured.
  • Finite maturity dates – Benefit from fixed maturity dates, unlike auction-rate or adjustable-rate securities.
  • Support local communities – Your deposit can help fund lending initiatives that strengthen the community.
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Why CDAR?

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.

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