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ABA: The American Bankers Association

IntraFi Network Deposits


Provider: IntraFi

IntraFi Funding Logo Aug. 2022

ICS and CDARS deposit solutions are now known as IntraFi Network Deposits. As IntraFi Network’s innovative balance-sheet-management solution, IntraFi Network Deposits empowers institutions to increase profitability, grow franchise value, manage liquidity more easily, and serve customers better. Thousands of financial institutions across the nation, including a majority of all U.S. banks, have thoroughly tested and embraced IntraFi Network Deposits.

To support your bank’s efforts to grow franchise value, increase profitability, and manage its balance sheet, use IntraFi Network Deposits to provide customers with easy access to multi-million-dollar FDIC insurance for funds placed into demand deposit accounts, money market deposit accounts, or CDs. And, your bank can keep or sell the amount of the deposits.

Banker Review

"With great success, we are selling IntraFi Network Deposits to our large-deposit clients as a retention vehicle, as well as using [IntraFi Network Deposits] to lower cost of funds and attract new deposit business."
ꟷ John Calpey Executive Vice President and Chief Operating Officer, One Florida National Bank, FL

"Our public funds customers appreciate knowing that when they place their funds through ICS, those funds are eligible for FDIC protection beyond $250,000 and earn interest. That benefits them, as well as local taxpayers, as our bank can make those funds available for investment within the community."
ꟷ Mario Martinez, President, Catskill Hudson Bank

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  • Attract large-dollar, low-cost deposits from local, safety-conscious customers, such as businesses, public funds, and nonprofits by offering access to multi-million-dollar FDIC insurance on funds placed into demand deposit accounts, money market deposit accounts, and CDs.
  • Grow relationships regardless of liquidity position — your bank can quickly gain valuable customers that appreciate the safety, returns, and convenience provided by IntraFi Network Deposits and then can use the full amount of the deposits to fund loans or sell the funding (not the relationship) for fee income; plus, your bank can switch back and forth between keeping and selling the amount of the deposits as its liquidity needs change.
  • Replace higher-cost funding (e.g., repurchase sweeps and letters of credit), reduce collateralization requirements, and repurpose funds previously invested in collateral into higher-earning assets.

Use of IntraFi Network Deposits is subject to the terms, conditions, and disclosures set forth in the applicable program agreements, including the IntraFi Participating Institution Agreement. Limits apply, and customer eligibility criteria may apply. Network Deposits is a service mark, and IntraFi, the IntraFi logo, CDARS, ICS, IND, and Insured Overnight Funding are registered service marks, of IntraFi Network LLC.



Banker Perspectives: Working With IntraFi Network


Offer Large Deposit Safety Now, Grow Loyal Relationships and Profitability

June 15, 2023 | 02:00 PM ET

Hear from IntraFi, the leading provider of FDIC-insured solutions for banks, about how offering protection for large deposits can be a vital part of your bank’s balance sheet strategy.





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ABA-endorsed products and services are evaluated by industry experts and bankers. Learn more about our due diligence process.

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