The Power of Many®

Chosen by over 3,000 financial services organizations, our deposit network offers deposit placement and wholesale funding services nationwide

See what's possible

Expanded Reciprocal Deposit Limits Are Now Law

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Advancing the industry for over 20 years

We enable financial services companies of all sizes to keep their customers’ money secure, manage cash balances, and increase profitability in ways that would be too difficult or costly for each to achieve on its own.

Protect Large Deposits

IntraFi offers simple, convenient solutions to safeguard large cash balances. Tested and trusted, IntraFi’s services are used by financial institutions to provide tens of thousands of depositors with access to enhanced protection for large deposits at IntraFi network banks.

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Available Nationwide

We believe that security and opportunities for success should be as accessible as possible. Financial institutions nationwide use IntraFi’s services to help depositors secure and grow their funds.

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Diversify Cash Placements

IntraFi’s suite of services provides a variety of liquidity options and the largest per-depositor capacity. Depositors can work with just one financial institution of their choosing to diversify their funds across numerous financial institutions.

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Build Large-Dollar
Relationships

Offer safety-conscious customers access to hundreds of millions in aggregate FDIC insurance across network banks for DDA, MMDA, brokerage accounts, and time deposits.

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Manage Liquidity

Move funds on and off balance sheet for resilience and flexibility, earning noninterest fee income when selling deposits.

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Discover Asset Opportunities

Gain access to bank asset sales and purchase opportunities, including loan purchases and private equity capital call facilities.

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A list identifying IntraFi network banks may be found here. IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.

We’re a unifying force in today’s financial industry, enabling depositors and institutions to become more than the sum of their parts.

100

Of the nation’s top 100 banks use IntraFi

100
%

Of banks in the U.S. are IntraFi network participants

100
%

Of CDFI banks are members in IntraFi’s network

Success Rooted in Relationships, Not Transactions

We pioneered reciprocal deposits and lead the industry in deposit placement services. Our suite of services — CDARS®, ICS®, IntraFi SweepSM, IntraFi Yankee Sweep®, IntraFi Assetpoint®, and IntraFi RepoSM — reflects the confidence that comes with category leadership.

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History of Safety & Security

Our customer-centric approach and stringent security measures have enabled us to serve our customers through good times and times of stress in the financial system. With a 20+ year history of solid performance, we are known for our reliability and security.

About Us

Built on Scalability and Size

Our network spans the financial services spectrum from the largest global banks to the smallest community banks, as well as brokerage firms and fintechs. The flexibility and capacity of our network provides a one-stop solution, lowers costs, and increases returns to our clients versus what they would achieve on their own or from other solutions.

Our Network

Discover the power of the IntraFi Network

Find out how we help banks and other financial services organizations.

Join the Network

Chosen by

3K+

Financial Services Organizations

Our reciprocal solutions help keep locally sourced deposits in local institutions, which in turn helps drive economic growth in communities throughout the U.S.

I will never again bank with a bank that is not part of the IntraFi network.

Russell Franks
Co-founder and president
PredictAP

Community banking is still vibrant, and it’s made more vibrant because of the tools we have at our disposal, such as those provided by IntraFi.

Luanne Cundiff
President and CEO
First State Bank of St. Charles

Tell me a reason not to be doing this(reciprocal deposits)? There isn’t one.

Phil Ruden
Managing Partner
Prodigy LLC

ACT is really an expansion of the funding pool and of the relationships that drive success at MDIs and CDFIs. It's a long-term play, not a short-term gap-filler,

Brian Argrett
CEO
City First Bank

With the help of [IntraFi] and access they provide to multi-million-dollar FDIC insurance, we’ve been able to build loyal, large-dollar relationships.

Jim Langmead
EVP and Chief Financial Officer
EagleBank, MD

[IntraFi] has been a big partner with us in order to fund growth.

John Milleson
President/CEO
Bank of Clarke County

Unlike its competitors, [IntraFi] doesn’t compete with us for our customers. We own our customer relationships. We set our rates. [IntraFi] crafts its services from a banker’s perspective. Head to toe, [IntraFi] is all about community banks. The company’s services level the playing field, helping us to better compete with much larger players.

Jim Di Misa
Former EVP and COO
Community Bank of the Chesapeake

The people are great! So patient and helpful.

Banker

Best quality, in my eyes, is their responsiveness. Excellent customer service.

Banker

Through products like CDARS and ICS, community development banks attract deposits at four times the level of other community banks. That translates into loans to small businesses, loans for mortgages and home improvement, loans for revitalization projects - loans that otherwise would not be made.

Jeannine Jacokes
Chief Executive and Senior Policy Advisor
Community Development Bankers Association

The one thing I tell everyone about [IntraFi] is they have the best customer support team I have ever dealt with, and I‘ve been in banking for 18 years.

Banker

Our school system has utilized the CDARS service for years and is very pleased about the addition of the ICS service. With CDARS, we have access to FDIC insurance on our funds that are invested for a longer timeframe while meeting our investment policy mandates and earning CD-level returns. With ICS, we can protect and invest our funds on a shorter-term basis while earning a return. CDARS and ICS combined provide us with an efficient cash management solution.

Doris Gasper
Business Manager
Beloit Schools District 273, Beloit KS

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