PEACE OF MIND, FLEXIBILITY, AND RETURNS

With the Insured Cash Sweep®, or ICS®, service and the CDARS® service, you can enjoy the peace of mind that comes with access to multi-million-dollar FDIC insurance and can choose the service or combination of services that best meets your needs for returns and access to funds.

Protecting your deposits while earning a return—now that's smart.

 
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EARN INTEREST

Enjoy the conveniences of banking directly with us and of earning one interest rate for funds placed into demand deposit accounts through ICS and one rate per maturity for funds placed into CDs with CDARS.

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SAVE TIME

Work directly with just us—a bank you know and trust—to access multi-million-dollar FDIC insurance, and forego the need to use repo sweeps or to track collateral on an ongoing basis.

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SUPPORT YOUR COMMUNITY

Feel good knowing the full amount of your funds placed through ICS and/or CDARS can support local lending opportunities that build stronger communities.1


[1] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the ICS or CDARS Network, a Network member can use the full amount of a deposit placed through ICS or CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent to certain types of ICS or CDARS transactions, the member institution may choose to receive fee income instead of deposits from other members. Under these circumstances, deposited funds would not be available for local lending.