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Safety, convenience, returns, and more.

With the IntraFi Cash ServiceSM, or ICS®, and CDARS® services from IntraFi®, you can put your cash balances to work in demand deposit accounts, money market deposit accounts, and CDs, all interest-bearing accounts with access to millions in FDIC insurance, through a single relationship with a local bank of your choice. 

A tested, trusted solution for your cash management needs.

Enjoy peace of mind. Your funds are eligible for multi-million-dollar FDIC insurance; you can feel secure knowing your principal balance and the interest you earn are protected.

Save time. Work directly with a participating bank and forego maintaining multiple bank relationships or opening accounts in different insurable capacities (and manually consolidating a multitude of statements and calculating blended rates) in favor of receiving just one regular statement per account type.

Earn favorable returns. You do not have to sacrifice safety for returns. Compare returns for IntraFi's services to those of Treasuries and government money market mutual funds.

Access funds. Maintain access to funds placed into demand deposit accounts and money market deposit accounts.  When funds are placed into CDs, choose from a range of maturities (4 weeks, 13 weeks, 26 weeks, 52 weeks, 2 years, and 3 years).

Rest easy with protection against market loss and money market mutual fund restrictions. Using services from IntraFi, funds can be placed into demand deposit accounts or money market deposit accounts that are not subject to floating net asset values, liquidity fees, or money market mutual fund liquidity gates. This prevents market volatility from negatively impacting account value.

Break free from the burdens of collateralization. Forego requiring a bank to collateralize your deposit and potentially receiving a lower rate as a result. Save time by eliminating the need to track changing collateral values on an ongoing basis.

Enjoy the transparency. Reporting shows balances, transactions, interest, and other important details associated with your accounts. Those placing funds in demand deposit accounts and money market mutual fund accounts also receive 24/7 online access to information.

Support investment in your local community. Feel good knowing that the full amount of your funds placed through IntraFi's services can stay local to support lending opportunities that build a stronger community.If you work with a local bank, that bank can use the full amount of deposited funds to support local lending opportunities. If socially responsible investing is a focus, you can also work with a values-based institution that measures success not only by economic gains, but also by contributions (financial and otherwise) made to underserved communities.

IntraFi's services compare favorably to other alternatives.

See how the services stack up to collateralized deposits, letters of credit, private insurance, short-term bond funds, money market mutual fund sweeps, and other cash investment alternatives.


Dare to Compare

Bank Safe, Bank Smart®

IntraFi's services are a smart and convenient way to safeguard your cash accounts.  Simple and streamlined, the services are chosen by businesses, nonprofits, and governmental organizations (e.g., cities and counties, public schools, police and fire districts), as well as fiduciaries, advisors, socially responsible investors, and individuals. Learn how IntraFi's services work.


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[1] When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use IntraFi services, your bank can use the full amount of a deposit placed through IntraFi 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.