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Banking Local Can Help Your Community Thrive

Depositing money in your local bank can increase the amount of money that the bank can use to support the local economy.

By using a reciprocal deposit service like that available through IntraFi®, your bank can offer you access to FDIC insurance in amounts greater than $250,000 and make the full amount of your deposit available for lending within the community.1

When customers deposit funds into a community bank, that bank can use the funds to make more loans, like loans for small business to buy inventory or hire more employees, loans for a family looking to buy a house, or loans to fund a college education.

With services from IntraFi, local banks can attract even larger deposits from safety-conscious customers and can do even more for their communities.

All of this can have a major, positive impact on a community.



Learn How it Works

The Dynamic Cycle of Community Banking


How Can Services From Network Deposits Help You?

Enjoy Peace of Mind: Rest assured knowing that your funds are eligible for multi-million-dollar protection that is backed by the full faith and credit of the federal government. No one has ever lost a penny of FDIC-insured deposits. And funds placed through the services are not subject to floating net asset values, so you can feel secure knowing that market volatility will not negatively affect account value.

Save Time: Work directly with just one bank—any participating bank in IntraFi’s network—to access multi-million-dollar FDIC insurance on your large deposits.

Earn Interest: Put cash balances to work in demand deposit accounts, money market deposit accounts or CDs. Earn a rate comparable to Treasuries or government money funds.2

Help Your Community: When you place funds through a bank that offers IntraFi's services, you can feel good knowing that the bank can use the full amount of your deposit to support your community. 


[1] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in IntraFi's network of financial institutions, a network member can use the full amount of a deposit placed through IntraFi's DDA-MMDA and CD solutions for local lending, satisfying some depositors’ local investment goals or mandates.