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How IntraFi® Network DepositsSM compares to other cash management alternatives.

 

Product Problem Solution

Checking
accounts

May or may not earn interest, and funds are insured only up to $250,000 per insured capacity, per bank
You can have it all— enjoy access to multip-million-dollar FDIC insurance through a single bank relationship
Treasuries Backed by the full faith and credit of the federal government but might earn a lower yield while featuring a similar risk profile
Repurchase
sweeps
May earn interest, but the yield can be very low; there may be administrative tracking obligations, and the funds are not FDIC insured
Collateralized
deposits
Administrative tracking problems can be more onerous than with repo sweeps, and only certain types of deposits can be collateralized
Money market
mutual funds
Earn interest, but the yield may be very low; the investment is not backed by the full faith and credit of the federal government, and some funds are subject to floating net asset values, liquidity fees, and money market mutual funds redemption gates