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IntraFi Cash Services

Bank Safe, Bank Smart®

Access multi-million-dollar FDIC protection on your deposits; earn interest by placing funds into demand deposit accounts, money market deposit accounts, or both; and enjoy flexibility at the same time with ICS®, IntraFi Cash ServiceSM

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Connect with Your Business Banker

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Earn Interest

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Save Time

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Access Funds

Looking to protect your legacy? Does market volatility worry you? Would you like to access multi-million-dollar FDIC protection on your large deposits while earning interest? Through Profinium, you can—using ICS®, the IntraFi Cash ServiceSM.


Make deposits greater than $250,000 eligible for FDIC insurance and maintain access to funds—working directly with just us, a bank you already know and trust. With ICS, you earn a return on excess cash balances placed into demand deposit accounts, money market deposit accounts, or both. 

As bank deposits, funds placed through ICS are not subject to floating net asset values, liquidity fees, or money market mutual fund liquidity gates, so you can rest assured knowing that market volatility will not negatively affect your principal. You receive regular monthly statements and have access to an online tool to monitor account balances.

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  • Rest assured. Make even large deposits eligible for protection that’s backed by the full faith and credit of the federal government.
  • Earn interest. Put excess cash balances to work by placing funds into demand deposit accounts, money market deposit accounts, or both.
  • Save time. Work directly with just our bank—a bank you know and trust. Forego opening accounts under different insurable capacities or managing multiple bank relationships. Receive just one monthly statement from us summarizing your account activity and balances. And, if you are accustomed to collateralization, reduce the need to track collateral on an ongoing basis.  
  • Access funds. Make unlimited withdrawals of funds placed into money market deposit accounts or up to six program withdrawals per month of funds placed into demand deposit accounts. Funds can be placed in one or both types of deposit accounts to best match your cash management and liquidity needs.

Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank).

The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits.

A list identifying IntraFi network banks appears at The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.