ICS® & CDARS® 

Looking for a way to keep large deposits safe?

Ask us about ICS®, or the Insured Cash Sweep® service, and CDARS®, the Certificate of Deposit Account Registry Service®. Both are a great solution for:

  • Businesses
  • Nonprofit Organizations
  • Public Funds Managers
  • Trustees
  • Financial Advisors
  • Individuals
  • Credit Unions
  • IRAs
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ICS® and CDARS®, is the easiest, most convenient way to access FDIC insurance on large deposits.

With ICS and CDARS, 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. Enjoy the conveniences of banking directly with us and of earning one interest rate on funds placed into money market deposit accounts through ICS and one rate per maturity for funds placed into CDs with CDARS.
  • 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.1
  • Access funds. With ICS, enjoy up to six program withdrawals per month. With CDARS, select from a range of maturities (4 weeks, 13 weeks, 26 weeks, 52 weeks, 2 years, 3 years, and 5 years). That’s smart.

For more information about ICS and CDARS, check out these Frequently Asked Questions:

1 If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through ICS or CDARS, or a particular ICS or CDARS transaction, satisfies those restrictions. Placement of your funds through the ICS service or CDARS service is subject to the terms, conditions, and disclosures set forth in the agreements you enter into with us, including the applicable Deposit Placement Agreement. Limits apply, and customer eligibility criteria may apply. ICS program withdrawals are limited to six per month when using the ICS savings option. ICS, Insured Cash Sweep, and CDARS are registered service marks of Promontory Interfinancial Network, LLC.

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