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IntraFI ICS® / CDARS®

Safeguard large deposits by accessing expanded FDIC insurance coverage through Civista’s participation in the IntraFi network.

Diversify Your Deposits

Civista is a member of the IntraFi network, offering clients a secure, streamlined way to manage large deposit balances while accessing expanded FDIC insurance coverage across multiple participating institutions -- all while maintaining a single banking relationship with Civista.

Through IntraFi services, qualifying deposits above the standard $250,000 FDIC limit are placed across multiple FDIC-insured banks within the network. You continue to work directly with Civista, receiving consolidated reporting, simplified account management, and local expertise.

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ICS

IntraFi Cash Sweep (ICS®) includes demand deposit and money market accounts designed to provide daily liquidity while extending FDIC insurance coverage beyond standard limits.
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CDARS

Certificate of Deposit Account Registry Service (CDARS®) functions like a traditional certificate of deposit, offering fixed interest rates and defined terms while providing access to expanded FDIC insurance coverage.

Why Use IntraFI

IntraFi solutions are commonly used by organizations seeking security, flexibility, and efficiency when managing large cash balances.

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Security

FDIC insurance is backed by the full faith and credit of the U.S. government. Deposits placed through IntraFi ICS® and CDARS® are structured to help protect principal across participating FDIC-insured institutions.

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Flexibility

ICS® provides daily liquidity, while CDARS® offers fixed terms ranging from as short as four weeks to as long as three years, allowing you to align deposits with your cash flow needs.

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Profitability

Funds placed through ICS® and CDARS® may offer competitive yields compared to other conservative cash management options, such as Treasury securities or government money market funds.

Deposits placed through IntraFi services are subject to applicable terms, conditions, and FDIC regulations. FDIC insurance coverage applies to deposits held at participating network banks, and certain conditions must be satisfied for pass-through insurance coverage to apply. IntraFi, ICS®, and CDARS® are registered trademarks of IntraFi LLC.

Get Expert Assistance

Our treasury management team can help you evaluate IntraFi solutions and determine how ICS® or CDARS® may fit within your broader cash management and deposit strategy. Connect with a local relationship manager to discuss your options.

Meet the Team
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