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 dollar 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 benefit of Full FDIC coverage.
Insured Cash Sweep (ICS®) is a service that allows you to access multi-million-dollar FDIC insurance while maintaining a single banking relationship with Cogent Bank. Your large deposit is divided into amounts below the standard FDIC insurance limit and placed at participating network banks, allowing your funds to remain eligible for FDIC insurance while you receive one consolidated statement.
When you deposit funds through ICS, Cogent Bank allocates your money into deposit accounts at other participating network banks in amounts below the standard FDIC insurance maximum of $250,000. This provides access to expanded FDIC insurance coverage while allowing you to work exclusively with Cogent Bank.
IntraFi® Network Deposits is a nationwide network that enables banks like Cogent Bank to provide customers with access to multi-million-dollar FDIC insurance on large deposits. Funds are distributed among participating FDIC-insured banks while you continue to manage your money through a single banking relationship.
ICS simplifies cash management by giving you access to expanded FDIC insurance without the hassle of opening and maintaining accounts at multiple financial institutions. You’ll receive one interest rate, one monthly statement, and one point of contact through Cogent Bank.
Yes. Eligible deposits placed through ICS remain eligible for FDIC insurance because they are distributed among participating FDIC-insured network banks in amounts below the standard insurance limit per institution.
ICS supports both demand deposit accounts and money market deposit accounts. Customers may choose the ICS Demand option, the ICS Savings option, or both depending on their liquidity and cash management needs.
Yes. Depending on the ICS option selected, you can continue to access your funds while enjoying expanded FDIC insurance. ICS Demand offers unlimited program withdrawals, while ICS Savings allows up to six program withdrawals each month.
No. Even though your funds are distributed among participating network banks, you’ll continue receiving a single monthly statement from Cogent Bank. This makes managing large cash balances much easier than maintaining multiple banking relationships.
ICS is an excellent solution for individuals, businesses, nonprofits, municipalities, and organizations with large cash balances that exceed the standard FDIC insurance limit. It provides added protection while simplifying account management.
Yes. Funds placed through ICS earn interest while remaining eligible for expanded FDIC insurance. Interest is earned on eligible deposits based on the account type selected.
In addition to your monthly account statement, ICS customers have access to a Depositor Control Panel where they can review balances and monitor account information 24 hours a day.
Yes. Because Cogent Bank provides one consolidated statement, ICS helps reduce administrative work associated with managing multiple bank accounts. It can also reduce collateralization tracking requirements and simplify financial reporting for organizations with large deposits.
No. Your confidential information remains protected while your deposits are placed through the IntraFi network. You continue to bank directly with Cogent Bank, even though your deposits are allocated among participating institutions for FDIC insurance purposes.
Traditional deposit accounts generally receive FDIC insurance up to the standard limit at a single institution. ICS extends your eligible FDIC insurance coverage across multiple participating banks while allowing you to maintain one banking relationship, one statement, and one point of contact.
Getting started is easy. Contact a Cogent Bank banker to discuss your cash management goals and determine whether ICS or IntraFi is the right solution for protecting your large deposits while maintaining convenient access to your funds.