Large Deposit Insurance CDARS & ICS

CDARS

With the CDARS service, you can access multi-million-dollar FDIC protection by working directly with just our bank.

• Rest assured. Know that deposits well into the millions are eligible for FDCI insurance protection.
• Earn interest. Put cash balances to work in CDs.
• Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forgot the need to use repo sweets, track collateral on an ongoing basis, and manually consolidate statements and disbursements from multiple banks.
• Manage liquidity. Select from multiple terms to meet your liquidity needs.
• Support your community. Feel good knowing that the full amount of funds placed through CDARs can stay local to support lending opportunities that build a stronger community.*

* When deposited funds are exchange on a dollar-for-dollar basis with other institutions that use CDARS, our bank can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors' local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposit from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.

ICS

ICS, the IntraFi Cash ServiceSM, is a smart, convenient way for bank customers to access multi-million-dollar FDIC protection on large deposits, earn a return, and enjoy flexibility.

With the ICS service, you can:

• 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 demand deposit accounts or up to six program withdrawals per month of funds placed into money market deposit accounts.  Funds can be placed in one or both types of deposit accounts to best match your cash amangement and liquidity needs.

Bank Safe, Bank Smart.