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Safety, convenience, returns, and more.

Count on services from IntraFi® 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's services.

It Pays to be Safe®

Trusted, tested, and available at banks across the country, IntraFi's ICS®, or IntraFi Cash SweepSM, and CDARS®, or Certificate of Deposit Account Registry Service®, offer 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. Earn interest at a rate set by your bank.

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 Cash Service, or ICS]. Keeps us liquid and protected, and interest bearing, the best of both worlds.

Accounting Manager

Prep School

With services from IntraFi, you can also

  • Protect principal and interest against market losses (funds placed in ICS and CDARS 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 ICS and CDARS. The interest rate your bank sets is the rate you receive.

How long does it take to set up?

Not long. It can be done in a single sitting with any bank that offers ICS and CDARS.

How can I learn more?

Review this primer and find out how various cash managers use the services.



Talk to your bank or find one of thousands of local banks that offers the IntraFi's services .

[1] Deposits placed using IntraFi's DDA-MMDA and CD solutions 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's services, your bank can use the full amount of a deposit placed through the services 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.