Rethink Uninsured Deposits

It’s Easy to Access
FDIC Insurance on Large Cash Deposits through Your Bank Relationship

Feel confident, even during tumultuous economic times, that your deposit above $250,000 is secure.

You can protect your large-dollar deposit with IntraFi Cash Service®, or ICS®, and CDARS®. Using ICS and CDARS, your large deposit is divided and placed into deposit accounts at participating IntraFi® network banks in amounts under $250,000, making your large deposit eligible for FDIC insurance. Tens of thousands of safety-conscious bank customers place billions of dollars through ICS and CDARS.

20+ years of tested, trusted deposit solutions from IntraFi.

  • Work directly with one bank (of your choosing) to access millions in FDIC insurance from network banks
  • Rest easy, as no one has ever lost a penny of FDIC-insured funds
  • Pick from a variety of liquidity options
  • Put your money to work earning returns

Learn more about ICS & CDARS  |  Discover How It Works  |  See What Others Say

Ask your bank if it offers IntraFi services or find one that does.

Find an Institution


A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks.

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. The depositor may exclude banks from eligibility to receive its funds. The IntraFi logo, IntraFi, ICS, IntraFi Cash Service, and CDARS are registered service marks of IntraFi LLC.