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Insured Cash Sweep

IntraFi

Insured Cash Sweep

Safeguard deposits over $250,000 with IntraFi® NetworkSM.

Would you like to 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? Now you can—through ICS®, the IntraFi Cash Service^SM, offered at Northwest Bank.

Contact a Treasury Management Representative

Enjoy Peace of Mind

Relax knowing that your funds are eligible for multi-million-dollar FDIC insurance.

Get protection that’s backed by the full faith and credit of the United States government. No one has ever lost a penny of FDIC-insured deposits.

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.

Access Funds

Funds can be placed in one or both types of deposit accounts to best match your cash management and liquidity needs.

Make unlimited withdrawals of funds placed into demand deposit accounts or up to six program withdrawals per month of funds placed into money market accounts.

Support Your Community

Help small businesses to support job or inventory growth, nonprofits to further their mission, and individuals to finance higher education.

Feel good knowing that the full amount of your funds placed through ICS can stay local to support lending opportunities that build a stronger community.¹

Through just one bank relationship, you can access FDIC insurance from many.

How does IntraFi® work?

We, like other institutions that offer ICS, are members of a special network. When your organization uses ICS to place funds, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000 and placed in deposit accounts at other FDIC-insured banks that participate in the same network. You receive just one monthly statement detailing all of your placements, and, as always, your confidential information remains protected.

Follow These Straightforward Steps

You sign an ICS Deposit Placement Agreement and a custodial agreement with us.
You identify an existing transaction account (or set up a new one) to be used with ICS.
Your funds are placed into deposit accounts at other IntraFi network banks.
Check balances & see where your funds are at all times using an online tool specially developed for ICS.
You receive one monthly statement from us summarizing your account activity and balances across institutions.

Earn Interest!

Earn interest at a rate set by us. Put cash balances to work in demand deposit accounts.

Earn Our Best Rates

Frequently Asked Questions

Would you like to access multi-million-dollar FDIC protection on your deposits, earn interest, and enjoy liquidity at the same time? Now you can—through ICS®, the IntraFi® Cash Service.

With ICS, 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.
Enjoy liquidity. Make unlimited program withdrawals.
Save time. Work directly with just our bank—a bank you know and trust. And reduce the need to track collateral on an ongoing basis, if you are accustomed to collateralization.

The FDIC insures up to $250,000 of a customer’s deposit accounts in a given insurable capacity at an FDIC-insured depository institution. Your ICS funds are divided into amounts under the standard FDIC maximum and placed with other ICS Network members—each an FDIC-insured institution. This makes your deposit eligible for FDIC insurance at each member bank. By working directly with our bank, you can access insurance through many. You do not pay a fee to use this service, and you receive just one consolidated, monthly account statement from us. (You can also see, online, where your funds are at all times.)

You can make unlimited program withdrawals using the ICS demand option.

Funds placed through ICS are deposited only in FDIC-insured institutions. We act as custodian for your ICS deposits, and BNY Mellon acts as subcustodian for the deposits.

Through ICS, funds are placed with other institutions participating in IntraFi's network, and those Network members provide you with access to FDIC insurance coverage on deposits at those banks. Working directly with just our bank, you can access coverage through many.

You work directly with just us—the bank you know and trust. As always, your confidential information remains protected.

^{[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 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 athttps://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi and IntraFi are service marks, of IntraFiNetwork LLC.}

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Insured Cash Sweep

Enjoy Peace of Mind

Save Time

Access Funds

Support Your Community

How does IntraFi® work?

Earn Interest!

Frequently Asked Questions

Why ICS?

How can deposits greater than the standard FDIC insurance maximum be eligible for insurance by the FDIC?

How often can I access my funds?

Who has custody of my funds?

Who provides the additional FDIC insurance when my funds are placed using ICS?

Is my account information safe?