Experience service that makes banking feel personal again. Get local decision-making with all the modern conveniences — mobile banking, debit card rewards and more!
Experience service that makes banking feel personal again. Get local decision-making with all the modern conveniences — mobile banking, debit card rewards and more!
Experience service that makes banking feel personal again. Get local decision-making with all the modern conveniences — mobile banking, debit card rewards and more!
Experience service that makes banking feel personal again. Get local decision-making with all the modern conveniences — mobile banking, debit card rewards and more!
Experience service that makes banking feel personal again. Get local decision-making with all the modern conveniences — mobile banking, debit card rewards and more!
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Use CDARS, the Certificate of Deposit Account Registry Service,® to ensure safety, convenience, and returns on your large cash balances.
Work directly with just our bank to access millions in aggregate FDIC insurance across network banks. With CDARS, you can:
Note: Find a full listing of IntraFi® network banks here. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.
1When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use CDARS, our bank can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
Watch this video to see how CDARS can expand FDIC coverage and meet your liquidity needs.
With CDARS, you can enjoy the safety and simplicity that comes with access to millions of dollars in aggregate FDIC insurance across network banks. Place your funds in CDs that offer the returns and maturities you seek.
Disclosure:
A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.
The FDIC insures up to $250,000 of a customer’s deposit accounts in a given insurable capacity at each FDIC-insured depository institution. Banks that offer IntraFi’s services are members of IntraFi’s network of financial institutions. When your funds are placed through the services, they are divided into amounts under the standard FDIC maximum of $250,000 and placed with other network members—each an FDIC-insured institution. Your deposits are placed in a manner that makes them eligible for FDIC insurance at each member bank. By working directly with one network member, you can access insurance through many.
Funds placed through ICS are deposited only at FDIC-insured institutions. We act as custodian for your deposits placed, and the Bank of New York Mellon acts as sub-custodian.
Through ICS, funds are placed in deposit accounts in amounts less than the FDIC insurance maximum at members of IntraFi’s network of financial institutions, and those network members provide you with access to the additional FDIC insurance coverage. Working directly with just one bank, you can access coverage through many FDIC-insured institutions.
Your confidential information remains protected, and your relationship remains between you and us.
Deposit placement through IntraFi services is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi, ICS, IntraFi Cash Service, and the IntraFi logo are registered trademarks of IntraFi LLC.
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