FDIC-Insured
- Backed by the full faith and credit of the U.S. Government
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With the Insured Cash Sweep (ICS) service and IntraFi® Network Deposits℠, you can access multi-million FDIC insurance and earn interest, all through a single banking relationship.
Your funds are divided into smaller amounts and placed in network members’ banks so your deposit is eligible for full FDIC insurance. You receive only one bank statement for your account making it easier to manage your information while enjoying the benefits of full FDIC coverage.
ICS (Insured Cash Sweep) is a service that helps businesses access multi-million-dollar FDIC insurance eligibility on large deposits while working through one banking relationship. Funds are placed in smaller amounts at network banks so they can remain eligible for FDIC coverage.
Large deposits are divided into amounts below the standard FDIC insurance maximum and placed at participating network banks. This structure allows eligible funds to receive expanded FDIC insurance coverage while still being managed through one primary bank relationship.
Yes. ICS can allow you to earn interest on eligible funds while also accessing expanded FDIC insurance coverage through the network.
No. You can access expanded FDIC coverage through the ICS network while maintaining one banking relationship and receiving one bank statement for easier account management.
ICS funds can be placed using a demand deposit option (ICS demand), a money market deposit option (ICS savings), or a combination of both.
Withdrawal limits depend on the ICS option you use:
ICS demand: unlimited program withdrawals
ICS savings: up to six program withdrawals per month
ICS can be a strong fit for businesses, nonprofits, and organizations that keep large cash balances and want a way to combine liquidity, interest earnings, and expanded FDIC insurance eligibility without spreading funds across multiple banking relationships on their own. (This is an inference based on the product’s described features.)