Large Deposit Insurance CDARS & ICS

SWNB + IntraFi



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.

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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.

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Place of funds through CDARS or ICS is subject to the terms, conditions, and disclosures in the program agreements, including the applicable Deposit Placement Agreement ("DPA"). Limits apply and customers eligibility criteria may apply. Program withdrawals may be limited to six per month for funds placed in money market deposit accounts. Funds are placed at destination institutions in amounts that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA") at any one destination institution. Using multiple destination institutions provides access to aggregate insurance amount across institutions that are multiples of the SMDIA (E.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurances (if the relationship institution is not an insured depository institution). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of it's funds, the depositor is responsible for determining whether it's use of CDARS or ICS satisfies those restrictions. A list identifying IntraFi Network insurance depository institutions at which funds may be placed through CDARS or ICS may be founds at As provided in the DPA, the depositor may exclude particular insured depository institutions from eligibility to receive the depositor's funds.

IntraFi, CDARS and ICS are registered service marks of the IntraFi Network LLC.

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