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Safety, convenience, returns, and more.

Count on IntraFi Network Deposits to help you protect your organization's funds.

Safeguarding funds is an important, high-pressure responsibility. Getting it wrong could have grave consequences. Thousands of cash stewards, including professionals with fiduciary duties (e.g., financial planners, trustees, estate planners, CPAs, CFPs, attorneys, wealth managers), protect billions of dollars with IntraFi® Network DepositsSM (formerly named ICS® and CDARS®).

Keep large cash balances safe.

Trusted, tested, and available at banks across the country, IntraFi Network Deposits offers depositors access to FDIC insurance for millions in cash balances placed into demand deposit accounts (DDAs), money market deposit accounts (MMDAs), or CDs –– all through a single bank relationship.

What’s more, you get transparency, with detailed reporting that summarizes your account activity and balances across institutions; the ability to track funds placed in DDAs and MMDAs at all times with a 24/7, online dashboard; and periodic statements.

I love it [IntraFi Network Deposits DDA-MMDA option]. Keeps us liquid and protected, and interest bearing, the best of both worlds.

Accounting Manager

Prep School

With IntraFi Network Deposits, you can also

  • Protect principal and interest against market losses (demand deposit accounts, money market accounts, and CDs are not subject to floating net asset values)
  • Select from various liquidity options, including daily liquidity, depending on cash needs and uses
  • Avoid having to manually consolidate interest disbursements and balances
  • Earn comparable returns to Treasuries, government MMMFs, and prime funds1
  • Forego requiring a bank to collateralize deposits and having to track changing collateral values on an ongoing basis
  • Eliminate having uninsured deposits to footnote in financial statements
  • Know your funds can support local lending and help build a stronger community2


How much does it cost?

Financial institutions do not charge you fees for placing funds through IntraFi Network Deposits. The interest rate your bank sets is the rate you receive.

How long does it take to set up IntraFi Network Deposits?

Not long. It can be done in a single sitting with any bank that offers IntraFi Network Deposits.

How can I learn more?

Review this primer and find out how various cash managers use IntraFi Network Deposits.



Talk to your bank about IntraFi Network Deposits or find one of thousands of local banks that offers it.

[1] Deposits placed using IntraFi Network Deposits earn interest at rates set by the depositor’s relationship institution that places the funds. Rates will vary.

[2] When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use IntraFi Network Deposits, your bank can use the full amount of a deposit placed through IntraFi Network Deposits for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, your bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.