IntraFi Cash Service

Enjoy the safety and simplicity that comes with access to multi-million-dollar FDIC insurance through a single bank relationship using IntraFiCash Service^SM (ICS).

Peace of mind

Rest assured knowing funds are eligible for FDIC insurance protection in amounts well into the millions, all backed by the full faith and credit of the federal government. 

Interest & Liquidity

Put cash balances to work in demand deposit accounts or money market deposit accounts.

Time Savings

Work directly with CrossFirst―a bank you know and trust―to access multi million dollar FDIC insurance and forego the need to track collateral on an ongoing basis, or to manually consolidate statements and disbursements from multiple banks.

Community Support

The full amount of funds placed through ICS can stay in the local community, supporting lending opportunities that build a stronger community.¹

How it Works

We are members of the IntraFi network. When we place your deposit through ICS, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The amounts are then placed into deposit accounts at multiple FDIC-insured banks. As a result, you have FDIC coverage from many institutions while simplifying your time, working with your local CrossFirst Bankers.

To learn more, reach out to your local banker or fill out our contact form and we'll have your local banker reach out to you. 

¹ When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, our bank can use the full amount of a deposit placed through ICS 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 deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.

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 theplacing 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 IntraFinetwork banks appears athttps://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFiand ICS are registered service marks, and the IntraFihexagon and IntraFilogo are service marks, of IntraFiNetwork LLC.